WillisBack/dataset-financial-user-claim huggingface dataset:
Chase attached a corporate advance fee to my mortgage loan that I do not owe, was never informed about and did not agree to. Although Chase claims this fee occurred XX/XX/XXXX or XX/XX/XXXX, the fee suspiciously appeared on my monthly mortgage statement XX/XX/XXXX, which is 4 to 5 years later. 

This corporate advance fee accrues no interest and is not due until loan payoff. Nevertheless, Chase stole ( took without my consent and knowledge ) some of the money from one regular ( Principal and Interest ) mortgage payment and applied the money toward partially paying this corporate advance fee that I do not owe and was unaware of. This means that the money Chase took from one mortgage payment did not pay down my principal balance and loan interest as I intended it to. My understanding is that the law mandates creditors to apply consumer payments toward higher interest amounts owed rather than lower interest amounts owed. Again, Chase took some of the money from my mortgage payment without my consent and applied it to partially pay a 0 % corporate advance fee that I do not owe and is not due until loan payoff instead of all of my mortgage payment going toward the interest accruing mortgage loan as I intended. Is that legal? 

I have told Chase Customer No-Service to remove this fee. Chase has not done so. I was also promised by Chase that no negative reporting would occur while the matter is remains unresolved. 

1. Chase must get the money that Chase took from my one regular mortgage payment and then wrongly put toward the corporate advance fee - get my money - and retroactively reapply it toward the interest accruing mortgage loan as I intended. And then refund the savings in the form of a check to me. 

2. Chase must remove the corporate advance fee. 

3. Chase must write a letter of apology. 

4. Chase must write a letter stating the truth - that my mortgage loan payment history is that payments were made on time - and send this letter to me and all XXXX credit reporting agencies. Note : Chase promised that my credit would not be adversely affected while this matter remains unresolved.
Apparently Transunion changed there scoring model which caused my score to drop XXXX points, it went from XXXX to XXXX because of a change in their scoring model. I did not have anything negative reported/changed on my report yet my score dropped XXXX points!? I do not feel this is fair to consumers, how can the bureaus make changes that negatively impacts consumers. Transunions scoring model should be investigated to prevent further negative impact to consumers.
i already sent you the info and you have done nothing ... .you have them in federal court so you know they are not a good company..
URGENT- Ally Financial reported 30 day late pay to all credit bureaus and now we are being declined on our home purchase a week before closing. I have contacted Ally, the Credit Bureaus and sent credit disputes with documentation to get the FALSE reporting removed. This has caused us to lose our home and now car purchase and we are desperate to get help to resolve this quickly. Outlined below are the chain of events leading to the false reporting. 

Payments due on the 30th of the month XX/XX/18 - Payment made- ( XXXX  showing late pay for XXXX ) XXXX Vehicle was STOLEN XXXX Vehicle was declared total loss by insurance and notified Ally about the payment and Gap insurance At this time Ally sent to Total loss department and no longer was able to provide me information online or over the phone about payment status XXXX Contacted Ally to verify insurance payment was made they could not assist because it was already in total loss. I asked if a payment needed to be made so it does not negatively hit my credit because I am in the middle of home purchase. They no longer had payment due showing on their end, BUT I made a payment ANYWAY in the amount of XXXX to be certain this would not affect me. They reassured me the payment would be posted the same day and I would be getting the money mailed back for overpayment after the file was closed. 
XXXX Car Payment cleared from bank ( XXXX showing late pay for XXXX XXXX Receive a credit notification my credit was negatively hit with a late pay and droped score by over 100 points I have called in tears for weeks and nobody can assit with this, I lost my home and now unable to get a car due to this reporting. I HAVE NEVER BEEN LATE AND SPENT 2 YEARS BUILDING MY CREDIT FOR THE HOME PURCHASE AND NOW MY LIFE IS RUINED, Ally reported to XXXX  last payment was XX/XX/XXXX- 30 days late pay for XXXX Ally reported to XXXX last payment was XX/XX/XXXX- 30 day late pay for XXXX
I have had a home equity line of credit for a few years. I opened it with a bank that has subsequently been purchased by BB & T. When BB & T purchased the bank, they split my account into 2 different account numbers : a fixed account that has the balance of my original loan, and a variable amount from which I can take additional funds. I have never taken money from the variable account. 

Beginning in the winter of XX/XX/2016, BB & T began applying my payments to the variable account, which has a XXXX balance, and charging me late fees on the fixed account. I attempted to resolve this at the branch and by phone a number of times. They advised me to change the account number that I use via online banking, which I did several times. Each time they have reversed the late fee and corrected the charge -- however it takes me between 30 & 90 minutes on the phone and on hold to resolve it. They have even had their collection department make harassing phone calls to collect a payment that was not late. 

Most recently, on Monday of this week I spoke with a supervisor who told me the issue was resolved ; and gave me yet another account number to use to ensure that payments were applied to the account with the balance. This did not resolve the problem, and I received harassing calls from their collection department again today.
On XXXX I received a copy of my EXPERIAN credit report and have noticed the following inaccuracies : Wrong Address : XXXX XXXX XXXX XXXX, AZ XXXX - delete this item Inquiry over 2 years old : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, PA XXXX -delete this item
These student loans are under federal fraud investigation that i have filed with My State, the XXXX and Department if education. These matters were placed on hold by President Trump and the Department of Education for over a year. These fraudulent loans giving under false pretenses i want removed from my credit or placed in dispute status until the matter has been resolved. The Department of Education already denied over 12000 applications that had no bearing and i was not one of them. I want my credit report reflecting this as these are having a negative impact and have not yet been deemed legally binding.
On or around XX/XX/XXXX, I submitted documents to XXXX and Transunion showing that I demanded debt validation from XXXX XXXX XXXX XXXX. XXXX and Transunion concluded the matter by stating that the collection company claimed to have verified the debt. By law, the bureau and the collection company are suppose to have in their immediate possession, a contract with signatures from original creditor and consumer along with the consumer 's state ID. When the original creditor submitted the new account to the bureaus, they were suppose to provide the contract, application and ID to the bureau so account could be validated when/if it falls into a bad debt. Most original creditors have not provided these required documents to the bureau or collection companies that they sell debts to. Therefore, it is against the law for the bureaus to have these debts on consumer 's credit reports and it is against the law for collection company 's, such as XXXX XXXX XXXX, XXXX, to try to collect on a debt that they have no legal right to collect.
Just would like to know why after paying bills on time for over 30 years and worked hard all my life to achieve a perfect credit score it seems this objective is impossible to reach? My credit score is very good but is it even possible to achieve a perfect score?
Case # XXXX is the reference number for this. They want to resolve this by having me make a payment. This debt is around 2800.00. I can't afford that and could not go high for a settlement because I have only XXXX  which can not be garnished. It is my only income. They threatened to keep the judgment on me for 20 years. They are trying to ruin my life. And I have no money to give. I included what I own in last case and it's XXXX or less. This is harassment and scare tactics. I am going through the cfpb to keep everything on a record to protect myself. Please stop checking my credit and other finances which are none. I even received a letter that I wasn't allowed to have a block on my credit while I was going through ID theft. You can't do that. I want to be left alone
I made a payment on my mortgage loan on XXXX XXXX, XXXX. It was for the XXXX XXXX, XXXX payment. Ditech apparently applied it all to principal. I received a call on XXXX XXXX, XXXX at home regarding my late payment. I explained my payment was not late. The gentleman that call me said he would look in to it and call me back. He never called back. My wife received a call on XXXX XXXX, XXXX at home regarding the same late payment. She explained to the woman at Ditech that the payment made on XXXX XXXX, XXXX was a regular payment and that it should not have all gone to principal. The woman at Ditech assured my wife it would be corrected. I called on XXXX XXXX, XXXX and spoke to someone in collections who then transferred me to customer service. The man in customer service assured it would be corrected and taken care of. I called again today XXXX XXXX, XXXX and it still is showing my payment is due for XXXX XXXX, XXXX. I am worried they are going to show me 30 days past due and mess up my credit rating. I called to try and speak to someone and got voice mail. I am very frustrated at this time.
The investigation told me about debt collector. The debt collector told me it came from a dr at a hospital during a XXXX last year. I called the dr. And the hospital they reffered me to. Neither the hospital nor the dr. Have any knowledge of debt.
On   XXXX   XXXX   XXXX    , my friend and I were passengers on  XXXX  flight #  XXXX . This flight was from  XXXX   XXXX  to  XXXX  and was booked through  XXXX . We purchased  XXXX  seats and once on the airplane, we inquired as to availability and the cost of upgrading to  Business se ats. The flight attendant told us there was available seating and the cost would be  XXXX . We verified the price again, and the broken English speaking flight attendant assured us the cost was  XXXX  Dollars. We gave our credit cards and moved into the upgraded seats.     Several hours later, after meal service, the lights were dimmed for resting passengers. At this time the flight attendant presented the credit card slip for me to sign. The receipt was for {$300.00}, which appeared to be for both myself and my friend who was sleeping. I asked about my friends credit card and the attendant, who spoke terrible  XXXX , indicated she would return with it later.     While I was away from my seat, my friend awoke and was presented with her credit card and slip for signature. She also thought the {$300.00} was for both of us. When I returned to the seat, we discussed that we had both been charged for  XXXX  upgrades and asked the flight attendant for an explanation. A different flight attendant came to us and explained that there was a miscommunication and the charge was not {$150.00}, but {$1500.00}! We were very upset as the original attendant stated the charge was  XXXX   XXXX , never did she say anything remotely resembling  XXXX   XXXX  or    XXXX   XXXX  ,    XXXX   XXXX  . After much back and forth discussion with the flight attendants, we were assured it was their error and we would not be charged. Several weeks later, both my credit card bill my friends arrived, each with a charge of {$1400.00} for the upgrade.     This flight was booked on a domestic airline, leaving from a  US l ocation. All flight attendants should have full command of the English language and be capable of properly explaining to passengers all policies, procedures and pricing. Additionally, all charges shou ld be in US Dollars  unless clearly explained. To expect otherwise would be unethical and unsafe.
I have been having problem with XXXX since XX/XX/XXXX for repoerting wrong information. 
we have no Valid contract Since XXXX changed terms of my contract monthly paymentwithout my knowledge. wrongfully repossessed the car XX/XX/XXXX. First Delinquencywas on XX/XX/XXXX. The past two years I have uploaded the contract and the monthlypayment history showing the last payment date as proof to Experian but Experian has failed. Experian has refused to even dispute this account. and exprian could carelss if the wrong information is correct or not. 
information is correct or incorrect.
I have a private loan through Navient. I signed up for a payment reduction plan that would allow me to make my payments and keep me out of delinquency. Navient explained once I was approved they would start removing {$360.00} from my bank account on a monthly basis. I was not approved for this plan and they proceeded to take the money out of my account without notifying me *they never notified me that I was not approved and that they would be taking the money out ). I do not have access to my Navient online account as it has been frozen and I do not know where the money is going or what it is paying off. I still do n't know what plan I am on because they wo n't give me access to my account. Every time I call, the collection manager, " XXXX '' threatens to sue me.
XXXX XXXX is showing as a charge off when it has been included in the chapter XXXX bankruptcy repayment plan. XXXX XXXX XXXX XXXX was removed when all I disputed was the 30 days late because it was never late dropping my score. Dept of education should have fallen off I was not late and anything to do with student loans  is being reported incorrectly because they were consolidated and deffered. XXXX XXXX XXXX was paid but is still showing as a collection. Per federal bankruptcy regulations no account can show past payment history only that its included in the repayment plan and that its being paid. On all three credit bureaus most of the accounts on my report are incorrect they are either showing as late when they are not they are showing as a charge off when they are not they are showing as a collection when they have been paid. I have attempted to dispute this information with the reporting agency and the incorrectly remove accounts or say that it is correct information or they do nothing at all. I have them tried to contact the credit bureaus and get nowhere. The credit bureaus have messed up my credit so bad that I went from a score of 600s to mid 500s.  While yes I have bankruptcies on my credit the chapter XXXX is a repayment plan in which all accounts are included and being paid but are being reported incorrectly as well as information on my credit remains from 2007 which should have been removed. I am trying to get my credit report fixed so that I may buy a house and every single time I try to get the information reported correctly the credit bureaus XXXX  it up even worse and anybody you speak to is either rude or they don't speak hardly any English due to outsourcing. I really need some help.
On XXXX/XXXX/15, I requested a funds transfer from my XXXX account to my PayPal account. On XXXX/XXXX/15, it was finally processed, but it hit my PayPal " Credit '' account, which is through XXXX Bank. I sent an email to PayPal on XXXX/XXXX/15 and on XXXX/XXXX/15, while also following up with a phone call later in the afternoon. I was advised my refund would be sent out no later than XXXX/XXXX/15. I questioned that and was told it was the company 's policy. Having worked in credit prior, I knew that was n't correct or legal. I sent a XXXX email right after the phone call advising them of Federal Statute : Title 12, Chapter II, Subchapter A, Part 226, Subpart B - 226.11 Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall -- ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 

On XXXX/XXXX/15, I sent an email through XXXX Bank 's website and was advised someone would be in touch within XXXX hours. I have not heard from XXXX Bank personnel ... and now PayPal is not responding to my XXXX, direct messages, or emails. I also sent emails on XXXX/XXXX/15 and XXXX/XXXX/15 with no response. Whatever the penalty is for violating the statute, I want it applied to either PayPal, XXXX Bank, or both.
32 years ago in XX/XX/XXXX I bought a new XXXX and took out a XXXX loan for 36 months. NYS DMV issued a title for the car showing the lien. I paid the loan off in XX/XX/XXXX and received a loan satisfaction letter from XXXX. NYS DMV removed the lien from the title and sent me a new clear title. Sometime in the intervening years I lost the clear title. 

A few months ago I paid NYS DMV to issue a replacement title. When I received the title it listed Ally Financial as a lienholder. Ally Financial has been a successor in interest to XXXX since about XX/XX/XXXX. 

Ally Financial can not locate any documents supporting this lien for this 32 year old car. They can't tell me if someone else fraudulently borrow money on my old car. They can't release the lien. As a result, I can't sell the car to  a junk dealer! 

I have no open accounts with Ally Financial. The only identification number I have is the VIN for the XXXX.
On XX/XX/2018, at XXXX EST, my payroll direct deposit for {$1800.00} was deposited to American Express Bluebird card # XXXX, XXXX XXXX ( XXXX ). On XX/XX/2018, at XXXX CST, I received and email from American Express Bluebird indicating my account was closed due to violations of 15D. After researching Section 15D of the user agreement, I am 100 % certain I did not violate any of the rules associated with my account. At XXXX CST, I contacted American Express Bluebird Fraud Dept. XXXX. I spoke with XXXX. I explained that my account had been closed in error. That the money in the account was for food, gas and shelter as I work 2,000 miles from home. XXXX told me that the account was indefinitely closed and the money in the main account and sub account XXXX was no longer available to me. I panicked and explained the situation again. XXXX told me that there was nothing she could do. At XXXX CST, I contacted the XXXX Police Dept. , XXXX, NE. I was instructed to file a complaint with FDIC and CFPB. At XXXX CST, I telephoned American Express Bluebird Fraud Dept . at XXXX. I spoke with XXXX. XXXX explained that a refund would be mailed to my address of record in 7 to 10 days. I explained that I no longer live at the address on record as I work away from home. He said there was nothing he could do to help me. 
At this time, XX/XX/2018, I am without gas to travel to work and food. I am trying to work with my employer to help me maintain shelter for my dog and I. American Express Bluebird allegedly has stolen my money. There are over 1,000 complaints against the company.
A XXXX number called about collecting a debt owed to capital one. It left a message for me to call another number back. When I called it back it was a very sketchy sounding man and did n't sound professional. Something about it just is n't right.
I receive an offer of credit today from a company that I know nothing about. The company 's name is balance credit. Once I called to inquire about how this company received or obtained my personal information I was told by a service representative supervisor that the information was transferred over by TransUnion. I immediately called TransUnion to dispute items on my credit report as well as let Trans Union know that I am NOT giving them permission to sell solicit or trade any of my personal information for the purposes of optaining credit through third party lenders. I explained to TransUnion that I felt violated and that I was very upset about the fact that my personal credit information was solicited to a third party without my prior approval. I then asked to be removed or opt-out of any solicitation services immediately. All I have ever done with Trans Union was request my credit report within the last 60 days. I never requested to be added to a mailing list.
A settlement was agreed upon, and immediately paid. Upon checking my credit report, the debt is still listed as unpaid ( two months later ). Not only this, but when I stated that I was going to pay the settlement, they tried to claim that I stated I would pay in full, and would not accept the settlement. Countless calls led to speaking with a supervisor (? ) who finally came to another ( more expensive ) settlement that I agreed on.
Capital one has been blocking me from accessing the funds in my account ive verified and passed security breach questions.
Received an e-mail from INGO.com online check cashing asking me to verify that I signed up for their service, which I did not do. When you call the phone number it asks you to input your social security number. Of course I would n't do that. When you finally get to a representative, they are hostile and try to get you to give them your SSN. These people need to be shut down.
XXXX XXXX XXXX  2 Accounts keep recording incorrect information on my account as well as XXXX. These accounts are listed by the FTA local authorities and every other credit reporting agency available including credit account freezes etc. I have sent certified mail etc included all identifying information asked and they continue to report identity theft fraudulent information on my accounts, these accounts are not mine. Fraud! I have certain rights by law!! 
Discover Bank fraudulent account XXXX XXXX XXXX  Fraudulent account XXXX XXXX XXXX  fraudulent account XXXX XXXX fraudulent reporting XXXX XXXX tires and credit accounts Fraudulent not correctly reporting, I have receipts of accounts paid in full, My bank XXXX XXXX XXXX. XXXX fraudulent spending of deposited checks fraudulent. I have contacted local and fta and froze every other credit reporting. I have a truck and student loans that is it this needs to stop Im a victim, please help
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX, 2017 To Whom It XXXX Concern : The following accounts are showing on mycreditreport that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from mycreditreports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : Accounts : XXXX XXXX {$210.00} XXXX {$630.00} XXXX {$330.00} XXXX {$510.00} XXXX {$4100.00} XXXX {$3700.00} XXXX {$1900.00} XXXX {$3400.00} XXXX {$2700.00} XXXX {$9300.00} XXXX {$3900.00} XXXX {$5000.00} XXXX {$7400.00} XXXX {$1400.00} XXXX {$2500.00} XXXX {$4300.00} XXXX XXXX {$1400.00} XXXX XXXX DEBT {$270.00} XXXX DEBT {$630.00} XXXX XXXX XXXX {$180.00} XXXX {$110.00} XXXX {$6900.00} Thank you for reviewing this and getting these items off my report immediately. 

Best Regards, XXXX XXXX XXXX : XXXX SSN : XXXX