WillisBack/dataset-financial-user-claim huggingface dataset:
My husband applied for  a Chase c redit card  (   XXXX   XXXX   ) to transfer the balance of on  XXXX  of our high interest credit cards. It did not transfer the entire balance in  XXXX    XXXX  . I went to payoff this credit card and saw that we were charged the {$93.00} balance transfer fee. I called chase today  XXXX  and spoke to an associate to see if this fee could be waived since I was paying the card off and the account was not serving its purpose for us. He said he could not help and transferred me to a supervisor. The supervisor said this fee is not able to be waived and he did not care about our situation. We have had the account for less than  2    weeks. We have never used the card and was asking as a courtesy to have the {$93.00} fee waived. I do not see why the fee could not be waived. we are not planning on using this account. In fact I paid off the card and am planning on closing the account. Please assist in getting this {$93.00} fee refunded to myself. My husband and I are trying to get out of debt. we just had a new baby.
Credit Karma has not contact number to dispute what they are reporting. XXXX  just removed 3 bankruptcies. which is about 50 points each, removed two inquiries which is about 10 points each and my score before the above was XXXX. Now that information such as bankruptcy plays a major role in my score has been removed, how is it that my score decrease 89 points.
I, my brother, and my daughter ( on my phone ) recieved threatening phone calls from a supposed law office representing ACE Cash Express, that if I did not pay that I would be charged with attempting to defraud a financial institution. The phone caller said specifically on each message that I would be charged with fraud. That is defamation of character and illegal collection practices. When I did call them to try to make arrangements, the man on the phone was disrespectful and again threatened me with a felony for not paying a debt.
I have received collection letters from Diversified Consultants , Inc., XXXX. XXXX XXXX, XXXX, FL XXXX, attempting to collect {$750.00} on a debt to XXXX. The " Agency Reference Number '' is XXXX. The " Account XXXX '' is XXXX. I previously discovered a report of this alleged debt on my credit reports. I disputed it successfully to the credit reporting agencies, who removed it from my reports. However, I subsequently received the debt collection letters that are the subject of this complaint. I disputed that debt to the agency. The agency responded that XXXX verified that the debt was valid and included in that letter a copy of an unpaid bill from XXXX. That bill was addressed to someone named " XXXX XXXX '' but residing at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The bill was for services provided in XXXX. I have never lived at that address. I did not request or receive services from XXXX in XXXX. I last had an account with XXXX in XXXX, which was fully paid and closed. 

It is apparent to me that someone with my name or using my name incurred debt and did not pay. I am being billed for someone else 's debt.
My XXXX XXXX credit card was originally with Capital one and then sold to XXXX. My credit card was never late. I always paid on time. They are reporting it late on XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the on XXXX late on XX/XX/XXXX and late on XXXX XX/XX/XXXX. I tried to settle this with them and the credit agency 's but nothing has been corrected.
My daughter paid her mortgage payment to Suntrust ( drive-thru ) on XXXX/XXXX/2017 using a check from my XXXX account. The Amount was {$950.00}. The check never arrived at XXXX. Today my other bank, XXXX XXXX XXXX XXXX called to inform me that I had a pending overdraft and they had declined a transfer that I made on XXXX/XXXX/2017. After a lot of research I discovered that the Suntrust teller had somehow electronically sent the withdrawal to the wrong bank. The previous month 's payment had been made from the XXXX account. Suntrust has their money so they are only sympathetic and realize they have a training issue. I now have to deposit a XXXX check at XXXX, including the XXXX NSF fee before the end of business today. They say the fee will be reimbursed. 
I have spend over a half day and will have driven many miles to resolve this Suntrust Mortgage issue. I am angry and believe I should be compensated for their stupid mistake.
This is a debt with XXXX, which was sent to a collection agency ( Convergent ) I called in XXXX to verify the amount owed. I was first hung up on which was a Saturday. I called back the following Monday and spoke to a rep named XXXX XXXX. I was given the amount owed of XXXX ... I advised I did not have XXXX she then gave me a settlement offer of {$10.00} ... I made a payment of {$50.00} XXXX XXXX, and {$650.00} XXXX..when I called in to pay the balance of XXXX on XXXX, she then adv 'd me that XXXX sent in more charges of the phone itself that not had been fully paid ... the balance then came to {$1300.00}, which again made a settlement offer on that of {$1100.00} ... therefore now XXXX seperate settlements on the same account. I paid {$100.00} on XXXX XXXX, 2016, {$100.00} on XXXX XXXX, and {$100.00} on XXXX XXXX, 2016 which leaves me a balance of {$840.00}. I called today XXXX/XXXX/16 to verify my payments. The rep then told me there are more added charges from XXXX, when I had infact called XXXX, and the XXXX was the last of the charges. The charges that were added when I called on XXXX, she is trying to put back on by balance. 
This company is a lie. I am so upset. It seems like everytime I call, they add more charges
This is in regards to the student loan company Navient. 

On XX/XX/2018 I directed an overpayment on my smart option student loan in the amount of {$1200.00} using my one and only bank account set up with Navient. On XX/XX/2018 I received a letter from Navient stating that the payment was rejected by the bank because the account is closed, resulting in my loan not being paid off and an additional {$20.00} return check charge. On XX/XX/2018 I called Navient and spoke to a customer service representative with employee ID : XXXX and Supervisor with employee ID : XXXX. Both employees would not give me any further information on this mysterious closed account other than the last four of the account number ; which was different from my bank account number that is set up online. They told me when I made the payment on XX/XX/2018 that I had to manually enter in my bank account information when I did the " Direct an Overpayment '' ; which is FALSE and INCORRECT. ( see attached picture ). My one and only bank  account was already listed and available to use to pay off the loan. Never did I have to enter in ANY bank account information and NEVER have I ever used another bank account to make payments with Navient online. I only have ONE bank account to my name. So I do not understand where this mysterious closed bank account came into play. I was told that Navient customer support has no control over Navient online and that I basically had to get over it. At this time, I made a payment for {$1200.00} over the phone with the supervisor.
- For XX/XX/XXXX statement, substantial amount ( {$3800.00} ) of payment was made, posted on the account and immediately US Bank decrease credit limit without notifying me in advance ( from {$20000.00} to {$18000.00} ) which resulted in failure to make an important purchase. 

- US bank stated that mail was sent out ( notice of credit decrease ), but never received. 

- I have been US Bank Credit Card customer since XX/XX/XXXX, always had good standings on the account and this is the first time they ever decreased credit limit.
In XXXX, I purchased a property on a " stated income '' basis. I was making approximately {$XXXX} per hour, plus XXXX, at a XXXX. I was given an 80/20 split of the mortgage. the loan that represents 20 % is a 12.5 % interest rate. I do not recall ( and neither does my attorney ) ever discussing an interest rate of 12.5 %. The loan that represents the 80 % was an interest only loan which was modified 5 years ago and that modification will expire next month. During the last 10 years, I have maintained a good standing with both lenders, never missed a payment, never paid them late. I contacted both groups and requested a refinance. I was told that they are unable to do so because I am not eligible for HARP due to the fact that neither loan is XXXX or XXXX. I spoke with every department that they would let me speak with in an attempt to come up with a plan to create a more reasonable loan. They refused. 
This has not been my primary residence since approximately end of XXXX. As a result, I have had a number of different tenants in there from time to time. 
In XXXX when the modification expires, the loan that represents 80 % will nearly double. The rent that is collected barely covers the mortgage payments as they are. I am not financial equipped to make the difference in payments for the remaining years of the loan. 
I do not want to be a statistic and allow this property to go into foreclosure or short-sale. However, the bank has not agreed to work with me in any way with the exception of a modification again, which will only prolong the inevitable. 
I have also contacted other lenders, private investors, Homevestors, etc. with no success. 
I am hoping that CFPB is able to assist in some way.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

I ASKED BOTH COMPANIESXXXX XXXX AND XXXX XXXX.
I am being denied a checking account because this is on my ChexSystems report. It was discharged in bankruptcy in 2015 XXXX {$380.00} Please remove this from ChexSystems immediately.
I had secured a mortgage for my mother in  XX/XX/XXXX  to help her prepare for retirement and at a rate that I would be able to afford when she was n't. I was only able to secure a fixed rate loan for 15 years that would balloon at the end of the 15 years. Once I returned from deployment in  XX/XX/XXXX , I started contacting Ocwen about refinancing since I knew the loan would balloon within the next 2 or 3 years. Instead of ever giving a direct answer yes or no, Ocwen kept having me to fill out the HARP forms for assistance and then they would deny it. I knew my income was too much for HARP assistance, but I couldnt understand why I didnt qualify for refinancing. After reviewing my credit report, Ocwen showed I was 30 days late once out of 4 years in  XX/XX/XXXX . I never understood why they wouldnt refinance the loan.
Once the loan ballooned in  XX/XX/XXXX , Ocwen refused to accept any more payments from me and would only settle for the full amount ; even though I requested to continue to make payments. To this day, I do n't know why Ocwen would n't refinance the amount owed at the end of fifteen years or would n't accept my payments since my credit was good. I hesitated in contacting anyone. My mother became ill and passed away in  XX/XX/XXXX . In J XX/XX/XXXX , the home was foreclosed on and sold by Ocwen. I felt helpless at the time. I tried refinancing the home after I found that Ocwen was showing me delinquent in my payments. Of course, it was too late because all financial institutions saw the delinquencies on my credit report and would n't approve me for a loan.
During the foreclosure process, Ocwen sent me another HARP assistance packet. Of course, it was denied. Then a week before the scheduled foreclosure Ocwen told me that the only way I could prevent the foreclosure was to pay {$10000.00} to stop it. My wife told me to request that in writing by fax or email. Well, I never received the request. At that time, I knew I had lost the house at this point and Ocwen wasnt going to try to help me to keep the house.
I feel Ocwen took advantage of me and betrayed me by not refinancing my loan up until the balloon date in order to repossess the house. By showing the late payments on my credit report, it enabled them to have total control over the loan leaving me without any options except the full amount of {$43000.00} which I didnt have.
Please let me know if I have any legal rights in this matter or at least remove the bad remarks on my credit report. Thank you.
I had discover student loans. I refinanced them with XXXX. XXXX sent them the check for the refinance on XXXX XXXX 2016. Discover cashed the check on XXXX XXXX 2016. The money never posted to my account. Discover says although they might have cashed the check, they can not locate the funds therefore they can not do anything about it. XXXX has sent check images to prove the check was sent and cashed but discover still say that it is not their problem. They are not doing anything to resolve the problem. They will not talk to XXXX about the issue. Discover still says I owe about XXXX dollars when my loan through them should have a {$0.00} balance. I have called them almost every day since XXXX to resolve the problem. I keep getting pushed around.
I have submitted an identity theft report IE police report and I have given them an affidavit and I have identified the fraudulent items and I have provided appropriate proof of my identity which meets all the sections of 605b of the Fair Credit Reporting Act to have TeleCheck remove the items within 4 business days of my reporting this. I 'm going to include these items to Telecheck once again in this complaint and they will see that regardless of the time frame the law does not allow them to not block the items if I meet those XXXX sections. They are not blocking others because they claim the company has verified it and all they 're doing is saying it was me when I 've already proven in court that it was not me. XXXX is not reporting this information anymore and neither is XXXX they need to remove these items from their records permanently because they are fraudulent. When they respond they do not answer my claims they give a garbage explanation of how they break the law and I 'm saying they need to stop breaking the law and they need to comply with the law and I 'm going to include a copy of that in this complaint.
Chase closed a personal bank account of mine without any reason and will not tell me why. They have taken {$300.00}.
this is debt that have been fighting over this debit was suppose to charged to my insurance company once again I give the XXXX driver city of XXXX my insurance information and they did n't put the put the information in right and did n't put the right number in and did n't fell that is it my responsible to give to keep giving them my insurance information. it sad that all the hospital in XXXX can put the current insurance claim in. I do n't understand why it so hard to put the right information in right in the first place. an sick and tried of this company harassing for their mistakes. and what me to pay for their issues I did n't put the wrong number of information in their did that plus their XXXX drivers were very rude and being hateful I have a XXXX as well. I was born with XXXX and did n't like the way I was treated.
I disputed debts I have that are reported to Equifax as they were opened XX/XX/XXXX and according to NH Statutes there is a three year statute of limitations on collecting debt. When I filled out the dispute there were no choices for this situation but I marked off the closest " incorrect amount '' and then left a detailed comment explaining the statute and that the debts have been on the account for 5 years. Equifax investigated but instead sent it to the collection agency as a dispute about the amount on the bill, instead of what I had written in the explanation section and it came back as denied. Now the collection agency appears to have changed the date on " collection opened '' to XX/XX/XXXX on the credit report to try and restart the statute of limitations.
I tried disputing my inaccurate accounts with XXXX for awhile now. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. Equifax have wrong address on my personal file, and I send in my correct address with proof, Accounts that's not mine, and was already disputed and removed, they put the accounts back on my credit report with no notice. Equifax pretend to remove my accounts but then used old accounts to say they deleted. On XX/XX/2018 I received a letter in the mail from Equifax stating that they updated XXXX  XXXX, XXXX XXXX, and XXXX XXXX, and that they verified the accounts were reporting accurate. I never asked them to dispute any credit card accounts. I asked them to verify the inquires on my credit report that I didn't authorize. There not doing there job, and as a consumer under the FCRA section 609 credit bureaus must prove the accounts is mine, with validation, or contract. I have not received anything verification, or validation. I want these accounts deleted off of my credit report immediately.
I opened an account with First Bank. I opened initially with a direct deposit of usd XXXX to learn how this bank operates. i found that this bank is not transparent how they handle the overdrafts/direct deposit. My direct deposits should be on the XXXX & XXXX and in some cases 2 days prior is in the system. However, when i had a pending transaction the bank only credit my direct deposit after they processes the overdraft charges. This happens several times, I received direct deposit in XXXX banks and when my money was available with the other bank, First Bank did n't put the money in my account, until they charged the overdraft. 
When i was overdraft i asked them to send me an email so in that case i can go to the bank but they were n't consistent .in some cases they sent a note via mail. The post mail is not actomatic and can take couple of days. However, I received several days after. 
Last thing that I found was ... .they deactivated my card without calling/sending via mail or email a note. I had a balance of XXXX in XXXX/XXXX and Usd XXXX in XXXX and a payment of XXXX should be paid in XXXX/XXXX. The company sent me a letter telling me that because the payment did n't go through they will cancel the warranty. They do n't follow any rules or regulation that the banks need to follow. I felt treated unfair as a customer.
I called  XXXX  to have them to remove a name listed on my credit report. The rep said that she could not remove the name because if was attached to an account. I explained to her that if is not my name, therefore the account does not belong to me. She refused and instructed me to call the creditor of whom I have no account listed with.
I have repeatedly sent request to XXXX, Experian and XXXX that the Bankruptcy court does not report to credit bureaus and that I would like to have it removed from my credit report. I received letters from them stating that they receive information directly from the courts, but upon receiving the information that they send to me, they get information from XXXX a credit-reporting agency. I contacted XXXX in regards to this and they have deleted the bankruptcy from my file. I am providing letter from XXXX to have the bureau 's remove this from my report/file.
My tax lien was released in XXXX, I attached proof. 

XXXX and XXXX deleted this Public Record from files. 

I contacted Equifax several times trying to dispute this record, they simply ignore it.
I WAS ASSESSED ATTORNEY FEES ON XXXX/XXXX/15 {$11.00} & {$150.00} ON XXXX/XXXX/15. 
WHEN I CALLED THE BANK ON XXXX/XXXX/15 I SPOKE WITH AN XXXX XXXX FOR AN HOUR, WHICH TIME HE TRIED TO TELL ME THE BANK HAD MADE A R.E. TAX PAYMENT ON MY BEHALF, WHICH IS TOTALLY FALSE AND EVERYTIME I TOLD HIM THIS HE GOT MORE BILIGERENT WITH ME TELL ME THEY DID. I EXPLAINED TO HIM THE CITY OF XXXX, ME. WOULD HAVE TOLD ME THEY RECEIVED A PAYMENT AND THE BANK WOULD HAVE ADDED IT TO MY BALANCE. FINALLY AN HOUR INTO THE CONVERSATION HE ADMITTED THE BANK DID NOT MAKE ANY PAYMENT ON MY BEHALF. WHEN I ASKED THAT HE CREDIT THE FRAUDULENT ATTORNEY FEES HE JUST SAID NO AND THATS THAT. I ASKED FOR ANOTHER NUMBER TO CALL AND HE REFUSED TO GIVE ME ONE UNTIL I THEN SAID I WOULD CONTACT XXXX & XXXX ATTY GENERALS OFFICE. I NOW CONTACTED XXXX XXXX AT THE XXXX RESOLUTIONS OFFICE, WHO TOOK A BRIEF STATEMENT FROM ME AND SAID SHE WOULD NEED ABOUT A WEEK, AT WHICH TIME SHE CALLED WANTING COPIES OF MY CANCELLED CHECKS FOR MY TAXES, WHICH I PROVIDED. SHE THEN CALLED BACK AGAIN SAYING I PAID ON XXXX/XXXX/15 BUT THE TAXES WERE DUE XXXX/XXXX/15, FOR WHICH I EXPLAINED THE CITY OF XXXX, ME HAS A GRACE PERIOD, I ASKED IF THEY HAD RECEIVED ANY NOTICE FROM THE CITY OF XXXX SAYING I WAS LATE AND SHE SAID NO. ANOTHER WEEK PASSES AND XXXX CALLS TO TELL ME THE BANK ORDERED AN EQUITY REPORT ON ME, THEREFORE THERE WILL BE NO CREDIT. MY TAXES ARE PAID IN FULL AND I HAVE NEVER ONCE BEEN LATE ON A PAYMENT TO KEYBANK IN XXXX YEARS, THEREFORE I BELIEVE THESE " ATTORNEY FEES '' ARE FRAUDULENT AND UNWARRANTED. I HAVE SPENT OVER XXXX HOURS ON THIS MATTER AND I CANT BELIEVE A GOOD STANDING CUSTOMER OF A BANK GETS THIS KIND OF CUSTOMER SERVICE AND IS LEFT WITH NO RECOURSE WHEN THE BANNK ASSESSES UNWARRANTED ATTORNEY FEES ... ... ... ..IF THESES EQUITY REPORTS WERE A NORMAL PROTOCOL OF THE BANK WHY DID IT TAKE XXXX WEEKS TO COME UP WITH THIS LAME EXCUSE AND WHY WOULD THEY NEED TO ORDER IT ON SOMEONE WITH SUCH A PRISTINE CREDIT RECORD ... ... ... .I DID NOT ASK FOR REPORT TO BE ORDERD NOR DO I BELIEVE ITS WARRANTED, THE HOUSE IS WORTH ABOUT XXXX AND THIS HELC OF XXXX IS THE ONLY DEBT ON THE HOUSE
Onemain XXXX XXXX XXXXXXXX XXXX, IN XXXX Acct # XXXX and Onemain Financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX are both Subsidiaries of XXXX. I had a loan with Onemain Financial opened in XXXX that is now charged off. The problem is that this one loan is being reported to all 3 credit bureaus : XXXX, XXXX, and XXXX  twice.Once by Onemain and once by Onemain Financial. I have disputed this error many times and just recent as today XX/XX/XXXX I received the results of my dispute and this is still not corrected. I called XXXX today and they called Onemain while I was on the phone waiting and was told that since Onemain Financial sold the loan to Onemain and they are two seperate entities that both charge offs will have to stay on my credit report. I had one loan  with Onemain Financial and if they sold the loan to Onemain then one of these two entities will have to stop reporting. Both  entities are reporting the same loan and appears to be two seperate charge offs on my credit report for one loan and this has caused me to have lower score than I should. This is a violation of the The Fair Credit Reporting Act, 15 U.S.C. 1681