WillisBack/dataset-financial-user-claim huggingface dataset:
JP Morgan Chase allows for funds to be removed from your checking account to pay for payments up to XXXX this means that while you 're sleeping your bank account could over draft and it wo n't let you know until it 's too late to fix it. Chase has done this to my husband and I multiple times. 
It 's understandable to have overdraft fees, but to allow payments to be deducted from the account at night when people are sleeping or working and are unable to bring the account positive is just crooked. I check my bank account every night before I go to bed. Last night I had {$32.00} in it. At XXXX this morning I had $ XXXX. Because a check went through last night, at XXXX when I am physically unable tocorrect it because I 'm already asleep. Now Chase will not refund the money because I have had the maximum amount of refunds they allow. This is unfair business practice because I would n't have had so many fee reversals if they would stop charging me overdraft at XXXX eastern time.
Portfolio Recovery Assets ( PRA XXXX acquired the account due to issues with a XXXX XXXX XXXX error, once I learned I was able to resolve the issue outside of XXXX, I contacted the PRA directly and made the payment in full closing the account. I was told the account would be reported as paid and removed from collections status as soon as the payment was received from my bank account. The payment cleared my account as agreed and to date PRA has not reported this information to the credit reporting agencies which continues to have a negative impact on my FICO score.
I sent out a dispute to Credit Control Corporation on XXXX XXXX, XXXX asking to be provided with competent evidence bearing my signature which they RECIEVED on XXXX XXXX, XXXX. 
AROUND LATE XXXX I RECIEVED A RESPONSE DATED THE SAME DAY THEY RECIEVED MY DISPUTE! 
THE LETTER claimed their client RECIEVED payment and the balance is paid in full but as of today their tradeline is still showing on my credit file. In the letter, the edp/credit report number is inaccurate/Incomplete with the one they are reporting on my credit report. 
I sent a second dispute on XXXX XXXX which they RECIEVED on XXXX XXXX, XXXX asking for A SIGNED CONTRACT WITH DISCLOSURE between their client and I, between CCC and their client, and between CCC and I. An complete Audit trail of said DEBT was requested. 
I 've also requested their operational arrangements in place to facilitate providing information and documents required to resolve disputes which I 've received no response! 
NOT ONLY IS THEY NOT RESPONDIMG BUT THEY NEVER LISTED THE ACCOUNT IN DISPUTE, AND TO THIS DAY, THEY ARE STILL REPORTING INACCURATE AND INCOMPLETE INFORMATION SUCH AS DATE OPEN, NO CLOSED DATE, ACCOUNT NUMBER, BALANCE, HIGH BALANCE, AND TERMS WHEN NO CONTRACTUAL OBLIGATIONS WAS ESTABLISHED! 
CCC, Refuses to ACKNOWLEDGE MY DISPUTE and Cease and Desist there EXTORTIONATE, Character defaming and libels slanderous Activity. Not only is their activity defaming my character, damaging my ability to obtain credit for personal family or household purposes, but it is also obstructing my ability to do business in XXXX.
They keep calling and refuse to send a debt verification letter and I have not received one. There calls use terms that imply legal action
In XX/XX/XXXX my brother in law began the process of building his house directly to the south of our house. In the land deed of ours, XXXX feet of land was deeded and mortgaged to us was actually my brother in-laws land. This happened back in XX/XX/XXXX. My brother in law called the abstract company and lawyers to get everything corrected so that he could get his home loan approved. Everything was settled. We accepted a different part of the land so that we got XXXX feet back to our property. We signed everything. Now my brother in law can not close on his building loan because my mortgage company, XXXX, will not get back with my brother in laws bank or lawyers to take off the XXXX feet of mortgage on our land so that they can add to his. They have tried for 6 months to contact XXXX. In XX/XX/XXXX, I went to pay our mortgage. XXXX now will not let my husband and I pay our mortgage or escrow because my brother in law is now in litigation with them. We are not suing XXXX. We have nothing to do with the litigation. We signed over the XXXX feet last year. We are now currently doing a cashier 's check and sending certified mail to XXXX because we want to pay our mortgage. We have tried several times to contact them. We have even talked to them over the phone with our banker. They said they would call back in a week. That has been a month ago and we have heard nothing. Please help us in this matter. We do not want our credit or our home insurance to suffer because of this. This is our last option to get help. Our banker said that we should contact you to get help. Thank you. XXXX and XXXX XXXX
AFNI reported a {$900.00} collection on my credit report without providing me with a notice of my right to dispute.
I had a Credit card from a company that I defaulted on. XXXX assumed the loan and contacted me. I agreed on an amount I owed and paid the debt. I received a notice of payment and though everything was fine. After looking at my credit monitoring service, I could see that XXXX ( XXXX ) reported correctly that the account was delinquent for the month of XXXX, then paid as agreed. However there was another month that showed up, XXXX. I did not agree with this and did a dispute. 35 days later the dispute comes back as updated and XXXX now list my account in the same closed status but with the delinquency months being in XXXX and XXXX, 7 months after the account was closed. I contacted XXXX and they said everything is fine from what they show and to contact the credit bureaus. I did, and issues a dispute per suggestion of the credit rep and waited another 30 days for the dispute to come back with the same delinquency dates being reported. I contacted XXXX again to ask why they would be reporting the same delinquency dates when my account was resolved in XXXX and have documentation from them on that. I questioned why they would not modify the dates on the new dispute if clearly My account had been closed since the beginning of the year. They said they are n't sure and to email the credit information to their disputes department I have that show the incorrect months being reported, which I did and have not gotten any response. I have been working on this issue since they day they reported the incorrect dates in XXXX. It is now XXXX and they still have n't fixed it. I am worried this has affected my credit profile to those creditors who pull my actual credit history and examine - such as an apartment complex as it makes it appear that my delinquency were much more recent than they are.
The company continues to repeatedly call and harass me during working hours even after I have asked them to stop. I get calls from them when I am in important meetings and it is putting my job in jeopardy.
I received an offer letter stating that I was pre-approved for a personal loan of " up to {$20000.00} '' and provided me with a special code to use to accept my loan. Then, when attempting to " accept '' the loan on their special website, timely submitted before the deadline, they denied my " acceptance '', even though " pre-approved '' and even though my credit scores were all higher with all three bureaus than on the day I received their offer letter.
XXXX XXXX, XXXX acting as a debt collector for XXXX XXXX XXXX improperly reported my account late and we agreed to a payoff arrangement to satisfy the end of auto lease debt. The debt was incurred do to excess mileage and minor damage to the vehicle at lease end. The debt was satisfied on or about XXXX XXXX, XXXX. XXXX stated that they would not report the debt to any of the credit bureaus. They did and it adversely affected my credit decreasing my credit score substantially. I was a co-signor for my daughter 's loan.
On XX/XX/XXXX and also on XX/XX/XXXX I sent a debt validation request to transuion XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX both via certified mail. The account in question is XXXX XXXX for the amount of {$290.00}. According to the fair credit reporting act I have the right to have this inaccurate information removed from my credit file after not receiving adequate validation of this debt in question. I have disputed this information to transuion 3 times to no avail. Transuion 's unwillingness to assist me I'm this matter is a violation of my request and I am asking that this inaccurate information be removed. I have received a response from transuion stating that this information will remain on my credit file as they have verified it as accurate. Transuion 's verification does not constitute as validation, which is required by law once I have requested it. The debt being reported by TransUnion / XXXX XXXX is inaccurate and it does not belong to me therefore I have requested validation for this account which I have not received. This is a violation of my rights according to the fair credit Act and the debt collection practices. I have NOT RECEIVED ANY VALIDATION OF THE ACCOUNT IN QUESTION. And the required time by law has passed.
I closed an account in XX/XX/XXXX ( from Charter One Bank ), the same week I had a XXXX XXXX. I completely forgot about this in the following weeks. On XX/XX/XXXX, I found and presented the cashier 's check ( # XXXX for {$29000.00} ) to the now Citizen Bank branch at XXXX XXXX XXXX XXXX XXXX, Ohio. They accepted the cashier 's check, and I opened a cd and a checking account. Several days later, a letter arrived from Citizen Bank, XXXX XXXX XXXX, XXXX, Rhode Island XXXX. It stated the check would not be honored. They have possession of the ' official check ' ; I have two accounts with XXXX balance, and they want {$20.00} for a returned check. They advised to check Ohio unclaimed funds, but there is nothing listed there. 
I want the proceeds from this cashier 's check. Please advise what you can do. Thank you.
On XXXX/XXXX/2016 my XXXX payment was deposited into my liquid account ( ending inXXXX ) in the amount of {$2000.00}, I was able to transfer the funds into my personal checking account that morning, that account was negative {$3.00} I believe ( I assumed the funds were already paid once I made the transfer. Now that Friday XXXX/XXXX/16 morning when I checked my account, there was an additional {$2000.00} ( acct ending in XXXX ). I thought another deposit was made, because I was able transfer those funds successfully. At the time all these transfers were going on from my mobile phone, I did n't notice I did n't have my debit card, now we are at {$4000.00} plus my paycheck from my job {$520.00} that was deposited that Friday XXXX/XXXX/16. Now me being a single mom of XXXX whom just moved away from a XXXX situation, was once at peace because I was going to be able to pay all my bills on time for once in my life. Then suddenly when I check my account on XXXX/XXXX/16 I 'm negative - {$320.00}, so I became furious because I just setup all me e-checks to come through that following week. I called the customer service, they said I would need to go into a branch, I went into the branch and they pretty much said they cant do anything at the store level unless I was making a deposit to cover the negative so It wo n't accrue a fee. I called back the customer service and at that time I was irate because I did n't have my card and no funds, they tell me it was a " GLITCH '' in there system, even started reading off charges I did n't even make, I filed a dispute which resulted in denial. Now my account is overdrawn {$860.00} and about XXXX of that is in bank fees from my bill e-checks. Since then I closed my liquid account and working on closing my business account, in fear of another GLITCH in their system.
I recently was forced to get an appraisal done through Roundpoint to get the PMI removed from mortgage. Roundpoint made me get this appraisal respite the lender not specifically requiring appraisals for PMI removal ( Lender requires some form of property value assessment, acceptable forms include XXXX. ) Before I agreed to this appraisal I made sure I would receive a copy of the report and the invoice. Roundpoint confirmed in writing that I would receive these items ( Reference paragraph XXXX of the XXXX email attached ). The appraisal report was sent from the appraisal office to Roundpoint on XXXX/XXXX/2016 ( I was not copied on this ). On XXXX/XXXX/2016 at XXXX am I sent an email to Roundoint ( servicinghelp@roundpointmortgage.com ) again requesting a copy of the appraisal and invoice ( reference attached XXXX email ). I waited weeks before sending another message through the Roundpoint online messaging service, again requesting this information ( reference attached XXXX message ). Roundpoint has refused to give any kind of response.
XXXX late payment is showing up on my report, Per Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( 5 ) ( A ) of the FCRA never verify any information and now refusing to delete late payment.
After reviewing my annual credit report I noticed a hard inquire that I never approved from Bank of America onXX/XX/2017. I attempted to reach creditor and was unable to.
Dear Sir or Madam, On XX/XX/XXXX I purchased a XXXX 18000 BTU wall AC and had sleeve cut in the wall. There is a fowl smell coming from the AC. After going back and forth with XXXX XXXX since XX/XX/XXXX, they finally decided to replace the chasis which was done on XX/XX/XXXX. The Chasis was not installed properly and their are gaps between the face of the AC and the sleeve. I complained again and another tech was sent on XX/XX/XXXX. That tech did not fix it properly and the gap is so bad that you can look underneath the AC and see outside. I went back to the store on XX/XX/XXXX and spoke to the manager and  showed him a video of the tech being unable to repair the AC. I have n't received a phone call from anyone at XXXX XXXX. I feel that I am paying for a product that is not performing as it should. I have emails i can forward to you as well as videos if needed. Please look into this for matter for me. 

Sincerely, XXXX XXXX
After the XXXX breach, I check my reports daily until the alerts are placed on them. I noticed a new derogatory collection account. The name is Clark County XXXX XXXX XXXX. First of all, this debt was originally with XXXX XXXX XXXX of which an agreement was reached after I filed a complaint regarding their collection actions. I informed XXXX XXXX XXXX that I had a medical emergency in my family where my sister was comatose for 8 days and hospitalized for 53 days. XXXX did n't cover most of the medications, devices, special equipment, etc., that would keep her alive and give a better quality of life. My family and I had to come out-of-pocket for those expenses which cost us thousands of dollars. I called XXXX XXXX XXXX and asked them could they forgive the debt due to this critical situation. XXXX XXXX XXXX no longer contacted me after midXXXX. I looked at my credit report in mid-XXXX, and saw the balance owed at {$0.00}. I assumed XXXX XXXX XXXX forgave the debt as I had asked due to my dire situation. When I looked at my credit report today, I see this collection account from Clark County Collection, located at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX. I 've never heard of nor received any type of correspondence from this company. Just the negative information on my credit report. I tried to phone Clark County of which the phone just rings endlessly and no one ever answers the calls. I 'm trying to purchase a home and need this negative information removed immediately. Your prompt attention regarding this matter would be greatly appreciated.
I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. 

Bankruptcy Chapter XXXX-dischargedXXXX XXXXL, Bankruptcy Chapter XXXX-dismissed, XXXX XXXX XXXX XXXX, XXXX XXXX. 

There are also a number of inquiries that I did not approve to happen. please delete these as well. 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  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX
On XX/XX/2017, I was admitted to XXXX Hospital, incurring medical bills from various providers. All were paid and satisfied by myself, or my health insurance company, XXXX. XXXX XXXX continued to pursue an alleged debt, even though they told XXXX that they would credit my account. They then sent the account into a collections process with Professional Finance Company ( PFC ). I  responded to PFC regarding the fact that this bill had been paid by my insurance company, but they have not removed the blemish on two of my 3 credit reports. I have written to all of the credit agencies, and so far, XXXX is the only company to remove the false information. I have also followed up with a letter to both XXXX XXXX and PFC with documentation proving that the medical amount was paid in full by XXXX. In fact, even though XXXX paid the claim 100 %, I had already submitted payment of {$50.00} which XXXX  owes to me! I am attaching the documentation to support this information. I have lived with a chronic condition ( XXXX  XXXX ) and have never had an accurate blemish on any of my credit reports. My history of paying my debts in full and on time is clearly indicated by all 3 of my credit reports. I believe the effort I've had to put into trying to clear my good name is beyond anything that should be required.
Good day, For the second time I am complaining with you guys about a " ton '' of wrong information on my Transunion credit report and inquiries not made by me. I told transunion in many occasions during this year, thru their customer service lines, about the names and addresses that are not mine and about a name change that was not authorized by me. 
I placed a security freeze on my social security number and a week later I had an unauthorized inquiry at the island of Puerto Rico, really?? after a security freeze? 
I told transunion my name, address, social security number the names and addresses that are wrong and that my name is the only name that should be in any credit report under my social security number. You know what they did? they send me a report with my address, file number and the wrong name, AGAIN!! and all the wrong info is still there!!! 

I even placed a complaint with you guys and you did nothing! THE PROBLEM IT IS STILL THERE AND IS AFFECTING ME!!!!!!! big time. 

Transunion also even lowered my score 70 points on XXXX XXXX right before hurricane Irma hit Florida, in one day with any wrongdoing from my part and without any notification or reason of why they did it. At that moment I had two secure loans both paid in time every time, and that after I placed my complaint with you and the FTC both useless, because they are still providing wrong information under my social security number. Two years of hard work to improve my score and BOOM!! GONE IN ONE DAY!!
On XXXXXXXX17 I requested a mortgage re-fin quote but the creditor could not respond as they could not get a copy of my credit report as it had a " security freeze '' on it. I have never requested a security freeze on my account. I have had this problem for at least the last five years. I spend days/weeks attempting to get the matter resolved to no avail. Equifax has me make written requests to remove the " security freeze '' and then I 'm told weeks later I never had a security freeze. However the next time a creditor contacts Equifax it is the same problem. 

This time I attempted to contact Equifax on its website and by phone. The website advised I could not access it and had to write. Their automated phone system state the same thing Instructions say I need a pin or unique personal identification number assigned by Equifax which I do n't have and never received ; why would I if I never had a security freeze. 

I have placed a extended Fraud Alert on my account but a Fraud Alert is not the same as a Security Freeze. In the past, Equifax 's phone rep confuses " fraud alerts '' and " security freeze :. They provide wrong information, lie to me and to creditors. Most of the problems and lies are verbal. I do have a letter dated XXXX17 confirming that extended fraud alerts where placed on my account at my request. 

From XXXX to XXXX, XXXX I tried to change from cable to XXXX XXXX. Again there was major problems about " security freezes '' and releasing inform. Finally, the non-existing security freeze was lifted ; and then XXXX XXXX wanted a deposit on the basis that I " had a security freeze ''. Equifax representative let it slip that a security freeze was a " negative '' indicator placed by a creditor or Equifax. But I have no evidence and attempted, unsuccessfully, to find an government agency to investigate. I always order copies of my credit report and there is nothing negative on them and no mention of " security freeze '' I gave up on XXXX XXXX. I have TOLD MY STORY on this website before today 's problem. 

Then today I find the same problem. After not being able to make contact by website or phone. I wrote a letter to Equifax requesting they permanent lift all security freezes. I have to mail it on Monday XXXX-17 as it must go via certified. XXXX do n't know why I should have to go to the expense of certified mail for Equifax 's error. However I fear that they will not respond promptly as I do n't have a PIN or unique id number or some other service error on Equifax 's part. It is so discerning that Equifax can continually violate the FCRA and receive no consequences.
I have some accounts on my credit report that do not belong to me. 

- XXXX XXXX XXXX - {$650.00} - XXXX XXXX XXXX - {$640.00} My credit is reporting as much lower than what it should be due to these fraudulent accounts. I have tried to contact them over the phone but they just want me to pay them.
Phoenix Financial Services just violated the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by placing XXXX collections on my credit report that were previously deleted by another company and by not notifying me of these collection accounts. I only know they hit my credit report because I have credit monitoring and I got the alert today. They are reporting account number XXXX in the amount of {$570.00} and account number XXXX in the amount of {$1800.00}. Both of these accounts were deleted by XXXX XXXX over two months ago because they lacked proper validation on this account. And now XXXX is reporting an open date of XX/XX/2017 on my credit report which is so not true and false. I filed a complaint with the BBB and they told me that they sent their initial letter on XX/XX/2017 which is not true. I never received anything from them and they are lying. They have this on my credit report and it should not be on there.