WillisBack/dataset-financial-user-claim huggingface dataset:
I am XXXX and have been on a fixed income for the last few years whole I'm waiting to have my last XXXX XXXX done that will help improve my quality of life and hopefully allow me to go back to work. However, as of right now I have lost my place to live, so I am XXXX and I haven't eaten in 2 days. Why? Because on XX/XX/XXXX and XX/XX/XXXX there were several unauthorized transactions that occurred from 2 different hotels, a XXXX transaction, and a merchant called XXXX which I found out is an online auction site. These charges totalled {$570.00}, which is almost half of what I receive to live on each month all month long. I contacted XXXX XXXX ( XXXX XXXX ) and they said I needed to fill out their fraud questionnaire and send it back within 10 business days to receive provisional credit if the investigation wasn't complete. I received the paperwork on the XX/XX/XXXX and faxed the paperwork immediately the same day. I also faxed it again on the XX/XX/XXXX and again on the XX/XX/XXXX because each time I called to check the status of my paperwork they kept telling me they had not received it and just to re fax it and once it was received, my account would be credited. It was not until this afternoon of the XX/XX/XXXX I finally got to speak to a supervisor who advised me they still had not received my fax and because it was not within 10 days I would not be receiving a provisional credit. I explained I've been waiting on this for almost 3 weeks already, I've faxed the paperwork 3 times and the first 2 times within the 10 business day time frame so how can they deny me money that was wrong fully taken from me and is rightfully owed to me? I am attaching proof of the facsimile transmission that shows I indeed faxed the paperwork when I said I did and I am going to mail the paperwork in as well but I can't even afford to feed myself, much less stamps and envelopes. Ive lost so much because of this, and all I want is to try and get my life back to normal and get what's rightfully owed to me. It's not fair that I should be punished because this financial institutions employees aren't doing their jobs and making sure my paperwork was processed properly.
In XXXX I had a dispute with HSBC BANK NEVADA NA about a fraudulent credit card some unknown person obtained in my name. After establishing that this was a fraudulent account eventually HSBC BANK NEVADA removed it from my credit report. 
However, maliciously in bad faith after I advised them that due to their derogatory statement on my credit I was turned down for credit, instead of canceling such fraudulent account, HSBC IN XXXX sold it to XXXX XXXX XXXX whom started to show this as a new debt and new default with new collection account for {$1300.00} as of XXXX XXXX, XXXX. 
I have repeatedly advised XXXX XXXX XXXX that it is improper and illegal to state this to be a new derogatory default as of XXXX XXXX, XXXX and it causing me a serious problem of turning down for essential items to be purchased, XXXX XXXX refused to remove this illegally and in bad faith showing derogatory item from my credit.
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
On XX/XX/XXXX I signed a lease in XXXX XXXX for for 13 months called the XXXX XXXX XXXX Unfortunately the lease was broken and I only lived there 1 month due to XXXX   XXXX. I was helping a girl that was homeless of XXXX XXXX that was involved in the largest mass shooting in country from XXXX XXXX XXXX on XX/XX/XXXX I was threatened by the Venue apartments for noise, they cut my bike lock off and stole my bike and called police in which I was released after 1 hour. 
So months went by and I got a bill from XXXX in XXXX Wa for a bill over XXXX I was emailed by XXXX XXXX stating that I need to pay the bill.I then hired a attorney in which it was agreed that my balance would be {$1000.00} in which payments were made. 
On XX/XX/XXXX I received notification that XXXX forwarded a balance owing to XXXX XXXX XXXX IN Industry Type Other Collection Agencies Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Creditor Preferred Contact Other Account Number XXXX Account Balance {$2500.00} Payment Status Collection/Chargeoff This information is false on my credit reports and should be removed.
I begun correspondence with this company XX/XX/XXXX to validate and verify a debt collection account that was reporting to XXXX. I sent a letter by certified mail and requested any and all information they had on hand to validate the account. The company then sent back a document that did not necessarily suffice as evidence and proof of debt. I responded once more by certified mail and requested additional documentation to further prove that I am liable for this debt. They did not respond within 30 days of that letter, subsequently the account was removed from my credit report and it stopped reporting. Unfortunately, I recently ( XX/XX/XXXX ) went to check my credit report and found that this account is reporting once again. They are required to give me a five day notice before reinserting a previously deleted item and I didn't receive such notification. This item needs to removed immediately
I HAVE AN OVERAGE OF {$4200.00} IN MY MORTGAGE ESCROW ACCOUNT. MY MORTGAGE IS HELD AT DITECH. I HAVE REQUESTED MY REFUND THREE TIMES SINCE RECEIVING THEIR ACKNOWLEDGMENT AFFIRMING MY OVERAGE IN WRITING ON XX/XX/2019. THEIR FIRST REPRESENTATIVE PROMISED ME THE CHECK WAS ALREADY IN THE MAIL. THE SECOND REPRESENTATIVE TOLD ME THE OVERAGE WAS NOT OWED BACK TO ME. THE THIRD, A SUPERVISOR TOLD ME DITECHS POLICY IS TO KEEP OVERAGES AND LABEL THEM AS PART OF MY ESCROW RESERVE. I EXPLAINED THAT THEY CAN LEGALLY ONLY HOLD UP TO TWO MONTHS OF MY INSURANCE AND PROPERTY TAX BILLINGS BUT MUST OTHERWISE RETURN MY OVERAGE. THE SUPERVISOR TOLD ME KEEPING OVERAGES IS DITECHS POLICY AND I COULD FILE A COMPLAINT IF I DONT LIKE THAT ANSWER. I WILL DO THAT AND ALSO REPORT THEM TO THE CALIFORNIA BRE, DRE AND THE FDIC. I AM JUST GETTING STARTED HERE.
I visited the local branch of JP Morgan Chase located in XXXX, New Jersey where my wife and I live. I asked that I be refunded a balance on my Chase Credit Card in the amount of {$220.00}. The bank branch manager called Chase Credit Card and after half an hour XXXX the supervisor came on the line and said to the branch manger and to me that the refund check would be overnighted to me as I had repeatedly said I needed the money and that " Time is of the essence ''! XXXX also said that at the latest I would received the refund check on Monday XXXX XXXX. I did not receive the check either day. I returned to the branch and the branch manager again called. This time Chase Credit Card said the check had not be drafted on XXXX XXXX as XXXX had promised but on XXXX XXXX and was mailed out on XXXX XXXX by XXXX but no tracking number was given the branch manager or me. The refund check has still as of XXXX XXXX arrived! And this despite my 6 visits to the branch, 10 letters to XXXX XXXX XXXX the Chairman and CEO of JP Morgan Chase at XXXX XXXX XXXX, XXXX XXXX, New York XXXX, and many telephone calls! I am a XXXX citizen and this experience has proven to be physically difficult for me. XXXX in the branch officer said on XXXX XXXX, " The matter has been escalated to the highest level of the bank! Please call this number and be sure to give them this reference number. '' So I called on XXXX XXXX but no one was able in the Executive Office to speak to me. The next day at XXXX XXXX XXXX from the Executive Office called. He is a " research analyst '' but could not help me get the check overnighted to me. He said, " I need a few days to do research ''! This though both he and XXXX in the Executive Office noted " the matter is urgent ''! Still I did not have my money that I very much need as I live primarily on Social Security. Such poor treatment of me a senior citizen by JP Morgan Chase which with assets of {>= $1,000,000} assets is the largest bank in the United States and one of the largest banks in the world! JP Morgan Chase refused to wire the refund to my JP Morgan Chase checking or savings accounts! The local branch has washed its hands of the matter. The Executive Officer refuses to send me the refund check overnight! And all the time, to repeat, a really need the money!
Equifax is reporting incorrect information on my report as follows : XXXX XXXX acct number XXXX acct is reporting incorrect the acct is CLOSED and has no date that it was closedThe acct has a date of XXXX for Date of first major delinquency that is completely falseXXXX acct XXXX this account is CLOSED and has no date
I have contacted XXXX XXXX XXXX and citi bank on two different occasion by certified mail both times telling them that the outstanding balances they are showing on XXXX / XXXX / and XXXX can not be my sons because he is XXXX XXXX and has never had a credit card but it fact it was a fraud committed by his mother for which I gave them in the letters that were sent to them and the 3 reporting agencys I just mentioned. I also contacted these parties over 7 years ago by sending a certified letter that I did not want any crtedit authorized in my sons name n social security no. at all. these people have forced me to contact social security and try to change his # so this will not continue. please help me with these issues as I 'm recovering from XXXX for a third time from XXXX XXXX XXXX  and I 'm not sure how long I have to live and I do n't want to leave my son knowing these issues exsis. does the credit card companys know that entering into a contract with a XXXX XXXX person is against federal n state laws. if they would have run the proper back ground checks his name would have popped up because he is in the service coordination state system.
XX/XX/2018 at XXXX XXXX COMPLAINT ON MERCANTILE ADJUSTMENT BUREAU,  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX, XXXX, XXXX ext. XXXX 1. Experience - I have received repeated and frequent telephone calls on my home and business phones from the Mercantile Adjustment Bureau regarding a debt owed. I don't owe ANY money on any account that is associated with Mercantile Adjustment Bureau, and there is NO REASON for this company to call me regarding a debt.

2. No Accounts - I do not have any accounts that I know of that are associated with MERCANTILE ADJUSTMENT BUREAU.

3. I have communicated by telephone with MERCANTILE ADJUSTMENT BUREAU, that, I do not have ANY business with them, and there is no reason for them to harass me with ROBO calls to my home and business for a debt, for which they will not identify!

4. I have not received any written notification of any delinquent, passed due or in arrears accounts from MERCANTILE ADJUSTMENT BUREAU for any account ( s ).

5. I am submitting my telephone log with dates and times of the calls.
I have a pending court date set for XX/XX/XXXX. The only reason I found out about this was due to my new landlord running a background check for my occupancy permit per the City of XXXX. I was never served. Furthermore, I have never, in ANY capacity, been contacted by Jefferson Capital Systems. I only found out about their name recently when I ran my credit report prior to consolidating my student loans. After I noticed the collections for XXXX ( XXXX XXXX ) I contacted XXXX ( formerly named XXXX XXXX ) and they show no record of and defaulted loans, and all loans were paid off and brought current. It was only shortly after this consolidation XXXX XXXX moved to sue, still never notifying me in any capacity of their intent. 

Being as I was never contacted, I never had the opportunity to dispute. I have filed disputes with XXXX and XXXX ( currently pending, which again, I believed kept collections at bay and unable to file suit during that period ), and still never furnishing validation of debt. 

I am getting a copy of the documentation from the circuit clerk on file, and will arrive on my court date and explain this situation to the judge as well, as to avoid a possible default judgment. 

Per my report, Jefferson Capital has had this account since XX/XX/XXXX. In 2 years, I have never bee contacted in via mail, email, or phone call, by anyone with this company claiming I owe a debt. And now they have, to the extent I feel, filed suit illegally, in the hopes that that I would not become aware of their intent, and receive a judgement on account of my being absent. 

As XXXX XXXX has verified no debt is owed, the credit bureaus are investigating, and I have never been contacted regarding the debt in question, I am moving to contacting an attorney after XX/XX/XXXX with my findings after the court hearing. 

I also do not find it to be coincidence, that upon investigating as to WHO Jefferson Capital is, as stated since I have NEVER heard of them in the 2 years they apparently had this account, the first mention via a quick XXXX search is a case from XX/XX/XXXX. in which they attempted to sue an XXXX XXXX XXXX ( like myself ) briefly after he too consolidated his federal loans. 

I have contacted an attorney regarding this matter, and will by filing a similar complaint to the necessary receptors, as this, to me, seems to violate, in numerous capacities, the FDCPA and FCRA.
i want to know why it said in my credit report multiple SSN on credit file, i have only have one SSN number
Opened : XX/XX/2012 ( 5 yrs, 8 mos ) Amount : {$460.00} Account status : Open Individual : Medical Original Creditor Name : XXXX XXXX XXXX XXXX   XXXX need to investigate this company too ... 
I have no idea what's XXXX XXXX XXXX XXXX. I checked it on XXXX, the area where this hospital is, I live 2 hours away from it. I contacted XXXX XXXX XXXX which is the debt collector, I told them I have no knowledge of these charges. They refused to remove them from my credit reports.
Opened an account on XX/XX/XXXXwith Santanders promotion to receive {$220.00} after 90 days after meeting terms, ( Receive a {$220.00} bonus by opening an eligible new checking account with the promo code XXXX and doing the following : Receive direct deposits totaling at least {$500.00} within the first 90 days, AND Keep your account open for at least 90 days. ). Direct Deposit Orin the amount {$500.00} was credited to the account on XX/XX/XXXX. It has been 6 months since account opening and the bonus was never received after agreeing on promised terms.
Debt Recovery Solutions has reported me to all 3 credit bureaus saying I owe them {$440.00}. I disputed it will the bureaus, and XXXX deleted it, but XXXX  and XXXX have not. The dispute results from the credit bureaus say that the account meets FCRA Standards I have attempted to call DRS several times to get information about this alleged account, and every time I call they tell me that they will send me information to validate the account. I never receive anything from them, and I give them my address every single time. They are rude, and demand payment. I sent a certified letter requesting validation on XX/XX/XXXX, and it is now XX/XX/XXXX and they still have not responded. They continue to report to the credit bureaus, last week they updated again, and my credit score dropped 20 points. I am trying to obtain a mortgage loan, but am not able to because of this account on my credit report. I have called the credit bureaus and explained the situation, that I have no idea what this account is about, and Debt Recovery Solutions will not cooperate and give me any info. The credit bureaus just say they can open yet another dispute, even tho I have disputed it twice before. I am submitting a complaint to everyone that I possible can, and am hoping someone can help me to get this company to delete this account from my credit reports.
I filed numerous complaints on XXXX/XXXX/2017 regarding incorrect balances on my accounts. In your response you claim that balances were to updated in 7-10 business days. It is now past that time frame and now you are in violation of the FCRA. The accounts are highlighted in a copy of my Equifax credit report dated XXXX/XXXX/2017. The accounts are XXXX XXXX XXXX still showing an incorrect balance, XXXX XXXX -XXXX still showing an incorrect balance and XXXX XXXX XXXX XXXX still showing an incorrect balance.
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XXXX XXXX XXXX shows " Pays as Agreed '', yet it is showing up on as an adverse account.
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Delete the accounts immediately or I will file a lawsuit against your company. My attorney is in the process of filing the paperwork.
This morning I received an email from " TransUnion '' dated " XX/XX/2018. '' It inaccurately stated that my " ( Federal ) Student Loan '' was " Payment Deferred '' instead of " Discharged '' ( i.e., " paid off '' in its entirety ).
I filled out the wrong acct # on my Tax Return and did not catch the error until the day the IRS send the money and the money was deposited into someone else 's acct. We notified TD Bank immediately of the error. TD Bank confirmed that they have the money and its is currently on hold but refuses to send it back to the IRS. The IRS says that the only way to reissue the money is for TD to return it back to them however they will not. I am at a total loss as to why they will not return the money and I need help. TD Bank is unwilling to do anything. The IRS said that this happens frequently as they often get wrong information and the Bank always returns the money. I have spoken with many employees at TD Bank and they have all said the Bank should just return the money until they get to the ACH department and that is where the refusal happens, the Customer Service Employees are told unless the IRS asks for the money back there is nothing they will do. I have spoken to the Banking Commission, FDIC, IRS, XXXX and several others all have said the Bank needs to return the money. TD Bank will not allow me to speak with anyone in the ACH Department. I am at the end of my rope as to what to do. I am placing this formal complaint against TD Bank for holding money with full knowledge that it does not belong to them and needs to be returned to the IRS for proper distribution. Please HELP!!!!!
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. 
There is a serious issue of possible fraud, I am not associated with these following addresses please delete. XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX , OH XXXX
XXXX offered 48 month low APR promo. Made purchase - program kicked in and minimum monthly payment due 's force the consumer to pay off in 21.5 months - not fully allowing the use of the 48 month program. ( The payment does include the monthly finance charge of {$15.00} - FYI )
XXXX XXXX, XXXX. DID NOT PROVIDE DISCLOSURES, AGREEMENTS OR SIGNATURE CARD AT THE TIME I OPENED MY ACCOUNT ONLINE XX/XX/XXXX. AFTER CHASE CLOSED MY FEDERAL BENEFITS EXEMPT ACCOUNT ON XX/XX/XXXX I RECEIVED SEVERAL LETTERS FROM CHASE REFERENCING A DEPOSIT AGREEMENT THAT I NEVER RECEIVED. I DO UNDERSTAND THAT CHASE HAS AN OBLIGATION TO PROVIDE THIS INFORMATION WITHIN 30 DAYS OF OPENING THE ACCOUNT. IN THE FUTURE CHASE BANK MAY WANT TO SEND DEPOSIT AGREEMENTS, SIGNATURE CARDS AND DISCLOSURES IN SUCH A WAY AS TO ENSURE PROOF OF CONSUMER RECEIPT AND ACCEPTANCE. THIS WOULD BE ESPECIALLY RELEVANT TO A CONSUMER WHO HAD OPENED THEIR ACCOUNT ONLINE AS I DID. 

I RECEIVED A SIGNATURE CARD FROM CHASE ACCOMPANIED WITH A LETTER DATED XX/XX/XXXX. THIS SIGNATURE CARD IS MISSING MY SIGNATURE, WHICH WOULD BE REQUIRED ON THE DOCUMENT. THE SIGNATURE CARD IS USED AS A SECURITY MEASURE TO VERIFY SIGNATURE COMPARATIVES. THEREFORE THE SIGNATURE CARD WOULD REQUIRE A LIVE OR WET SIGNATURE. THE SIGNATURE CARD CHASE HAS SENT ME IS NOT RECOGNIZED BY ME AND IS NOT SIGNED BY ME. I MUST CONCLUDE THIS SIGNATURE CARD SENT TO ME WAS CREATED AS A FICTITIOUS DOCUMENT IN AN ATTEMPT TO DECEIVE.
I have contacted XXXX XXXX XXXX about 16 Inquiries that I have NO knowledge of. They always come back with the same MUMBO JUMBO, " it's suppose to stay there for 2 years. No, not when I didn't apply for it. I did NOT apply for credit with these companies and I DID NOT give any company PERMISSION to run my credit. The inquiries need to be deleted IMMEDIATELY!
First off ... I send in a request to investigate the misuse of my credit file and Consumer Financial Protection Bureau sends me an email to contact you. I have contacted CFPB over XXXX times, but only got through once. I 'm not calling again. Do the research and fix the issues that I am providing you. 

Equifax has been allowing companies unauthorized by me to view my credit file. I never gave approval for anyone to look at my credit file. I have also had a fraud alert in place with Equifax and I was under the impression that Equifax would contact me if someone was trying to apply for credit with my credentials. I have not applied for credit on some of the listed account on my file. I know that it is illegal for the credit reporting companies and for creditors to look at my file without my approval. According the FCRA, I am entitled to fines up to {$1000.00} per infraction from XXXX parties. Also according to the FCRA, it is illegal, unlawful and unjust to provide my credit file without my approval. I have not seen my signature on file with any of these companies, nor have I signed anything giving them approval to view it. Equifax is to blame for this.
I opened my credit account in XXXX with the term that receiving XXXX bonus points after having {$50000.00} in acoount for 60 days. However, I still haven't received the bonus points today. I contacted citi 3 times ( through secured message, phone, and online chat ), and citi told me to wait at the beginning, and at the end refused to honor the term.
This is a follow up complaint. The answer to the first complaint is not factual or truthful. 
there is taped phone conversations that were directly denied by your phone representative.
Navient has taken my work number off of my co-signer release requested and continued to call my job to collect student loan payments. Further, navient has called my work and home phone number to harassing extents. Navient has incorrectly written payment reversals on my account to put my loan in default despite the money being debited from my account, and mislead me to believe a co-signer could be relieved. I submitted a co-signer release request which was denied despite having years of payments and sufficient income.
Bank of America has violated the National Mortgage Settlement ( NMS ) and is liable under the California Homeowners Bill of Rights ( HBOR ) 2924.12 ( g ). 
While Bank of America concedes the submission and receipt of a complete Request for Mortgage Assistance ( RMA ) application package as evidenced by the Bank of America initial review of the received as complete RMA resulting with the XXXX XXXX, XXXX incorrect MHA HAMP denial that was later GRANTED upon the Bank of America Appeals Department reviews of XXXX XXXX and XXXX XXXX, Bank of America has not provided the required five day notice to the borrower in accordance with HBOR 2924.10 ( a ). Also and in accordance with HBOR, there is no deadline for servicer 's to complete the modification process. 
Additionally, Bank of America can not record an Notice of Default ( NOD ), a Notice of Trustee Sale ( NTS ), or conduct a sale while the modification process is pending per California Civil Code 2923.6 ( c ). No deadline for borrower 's application. No deadline for servicer 's RMS evaluation. 
Therefore, the NOD recorded on XXXX XXXX, XXXX must be withdrawn by the recording of a Rescission with the XXXX XXXX County Recorders Office.