WillisBack/dataset-financial-user-claim huggingface dataset:
I have reached out to chase and have spoken with several representatives regarding the removal of fraudulent charges not being credited back to the account as well as other fraudulent charges. When I removed the unauthorized user from the account on or before XX/XX/2007. I was contacted by XXXX representatives by the names of XXXX and then XXXX. only to be accused of having knowledge of the unauthorized charges. Chase has refused to credit me back any and all monies regarding to the fraudulent use on the account nor update the balance to reflect that the charges have been removed. I have been trying to get chase to right their wrong for years and they have taken no interest nor action to do so. Why should I be held reliable for the fraudulent charges when I did n't make them ...
I closed my home loan with Guild Mortgage my MLO locked my rate at 4 I was given my final CD with 4 % rate when I pointed out the CD reflected fees fees for a program I did not apply for he corrected the CD but my rate was changed to 4.125 % post acknowledgement period began and after I was locked for over 2 weeks at 4 % and all XXXX previously given 4 % rate. 
MLO advised he locked in correctly made mistake and now unable to correct now charging me higher rate than agreed upon. Had to sign new CD with higher rate or lose my home and all cash paid out of pocket {$2800.00} 3 days prior to close due to MLO and lender error. They gave $ XXXX credit on CD to try and make up for the additional {$6800.00} I will now pay in interest pay in interest if I do not refinance in 30 years.
Hello CFPB + Credit Collectors, I am a XXXX year old that started with credit early on. I made a lot of mistakes and everything got worse when I lost my job. I graduated from an intense XXXX XXXX program called XXXX. They train young individuals like myself relevant skills to survive in this thriving economy. When I lost my job it was unexpected. I had no idea the toll credit would have on my life. I am now in debt to all these credit card debt collectors. I would like a fresh start to all of this. I am ready for a new beginning. Below is some of the debt I have accumulated. I wish to get this debt off my back so that I can contribute to my neighborhood. I want to give back and help others but with debt I am completely frozen and am not allowed to do anything. I have learned my lesson. 

" XXXX XXXX XXXX , XXXX '' : {$630.00} XXXX XXXX : {$350.00} XXXX XXXX : {$820.00} XXXX XXXX XXXX , XXXX : {$960.00} I would also like to dispute a debt with CREDENCE RESOURCE MANAGEMENT LLC for {$1500.00} The confirmation number for this is XXXX. I have already payed this debt. Please help me settle this debt. I have learned my lesson with credit.
We had a line of credit that expired. We were under the impression that the balance would be turned into a fixed loan since the bank would not renew the line of credit. we got the fixed loan after all. BBT wrote us a fixed loan to repay the line of credit. this is fine. we always made our payments on the line of credit above what was requested on our statement. we have our checking and savings account with them. our complaint is they approved the loan with a 7.24 per cent interest rate which we understand is about three points above prime. our line of credit was at XXXX per cent. we thought the 7.24 was high but the bank would not budge. the loan is for 180 months and with this rate it will be years of mostly interest before we get to much going on the principal. we signed somewhat under duress because if we had not signed we would have gotten locked out of the offer which would have caused us to go bankrupt which we do n't want to do because we have worked hard for years to keep our credit in great standing. this incident makes us feel like a great credit rating means very little to them. our condo is now having work done which required a large assessment which the bank knew and now this loan with the high interest has really hurt. we have no problem paying if because we owe it but thought the bank could help us out with a lower rate. can anything be done to help us? we are regular working people trying to get by. we have been good customers of BBT since they acquired XXXX a few years back. 
Thank you for any assistance you may provide. 

XXXX and XXXX XXXX BBT Branch office on XXXX in XXXX XXXX.
I been trying ro get my credit score but when I check it it say I have a thin file but I would really like to get a car out butbwhen they run my credit it says XXXX can you please help
I PURCHASED AND NEW XXXX IN 2014 FROM XXXX STARTED HAVING ISSUES WITH THE CAR IN LESS THAN 3 MONTHS TOOK THE CAR HAD TO GO BEFORE THE STATE OF GA PANEL AND THE CAR WAS FOUND A LEMON XXXX TOYOTA FINANCIAL ALSO KNOWN AS/XXXX HAD REPOTED ME AS LATE WILL NOT REMOVE FROM MY CREDIT. I HAVE CALLED THEM SPOKE WITH SEVERAL PEOPLE STILL WILL NOT REMOVE. SAID THE MARKS WILL STAND I TOLD THEM THAT THEIR CORP OFFICE TOLD ME THAT ALL WOULD BE HANDLED LATER FIND OUT IT WAS REPORTED NO ONE EVER TOLD ME THIS WOULD HAPPEN. I AM SO NOT HAPPY WITH THIS CO. DOCUEMNTS SHOW CAR DEEM A LEMON. BUT STILL THEY WILL NOT REMOVE THE MARKS I FELT WHY SHOULD I PAY FOR SOMETHING THAT WAS NO GOOD THEY KNEW THIS. SO THE MISCOMUNCATION WAS I FELT I SHOULD NOT BE PAYING FOR A LEMON ALSO WAS TOLD THEY WERE TO GIVE ME A NEW LOAN BUTPAYMENT WOULD STAY THE SAME THIS DID NOT HAPPEN. THEY CHANGES THE VEN NUMBER ON THE LOAN TO THE NEW CAR. WHICH I DID NOT KNOW ABOUT UNTIL THE LAST MINUTE. ALSO THE PAYMENTS STAYED THE SAME PER CORP REP FROM XXXX. SO IT WAS MESSED UP FROM THE START. THEY SHOULD HAVE SHOWN THE OLD LOAN PAYED AND CLOSED BUT DID NOT.PLEASE HELP I AM TRYING TO GET THE LATE PAYMENT REMOVED FROM MY CREDIT REPORT. 
THANK YOU XXXX XXXX XXXX
I have made many advance payments on this loan, but they were incorrectly allocated. A Letter was sent to verify the accuracy of this debt but has not been responded to. I am requesting a full accounting of all payments made, copies of checks forward and back. The documents requested and answers to questions are needed to ensure the following. 

~ That our loan has properly been credited, debited, adjusted amortized and charged correctly, that interest and principle have been properly calculated and applied to my loan, that my principle balance has been properly calculated and accounted for and that no charges, fees or expenses that I am not contractually bound to pay have been charged on my account. 

In order to validate this debt and audit my account, I need copies of pertinent documents to be provided and answers in writing to various servicing questions to be sent to me at the address listed on the account.
I already know what SCS is saying. The check in question was through a bill pay account that funds the check before it is sent. Please see note below. 

My bank confirms that this was sent to them on XX/XX/2016. They DID NOT DEPOSIT IT until 113 days later. 

I am paying an outstanding loan for my Son. I send checks through my bank bill pay system. On the check it states " Check void after 90 days '' Security Credit Systems purposely held the check for 113 days before deposit. Check delivered to them on XX/XX/2016 place for deposit by them on XX/XX/2016. XXXX accused me of bouncing a check and will no longer accept checks for payment. They returned XXXX checks. Requesting Money orders only. I am now sending the checks directly to the school. The have accused me of writing a bad check in which I plan to research how I can take them to court for defamation of character. 

1.The check was not returned for NSF. It was voided due to failure to deposit. " Check void after 90 days '' 2. I will not be sending anyone a MONEY ORDER. 

3. I will continue to send checks directly to XXXX until you figure out who I send a CHECK to. 

4. My check was not returned for NSF. and I will go to legal action if this claim is not corrected. 



Thank you, XXXX
Recently I was a victim of a scam from a " XXXX XXXX '' for a rental of a property at the New Jersey XXXX. I initiated a wire in the amount of {$1800.00} to a XXXX XXXX XXXX account of an individual named " XXXX XXXX ''. I became suspicious as soon as my funds were sent and then contacted Chase Bank 's wiring department to have my wiring " recalled ''. Based on recall, I received an message requesting a " hold harmless Letter '' since the account is under a investigation by the XXXX XXXX Crimes Compliance department. I have also reported that this fraudulent situation to my local police station. According to XXXX, I need to have my bank XXXX  CHASE XXXX  issue a " Hold Harmless Agreement '' or obtain a seizure warrant to retrieve my money. I have coordinated with my banks corporate office and they have concluded that they will not provide the Hold Harmless Letter to help me retrieve my funds. I have also coordinated with my local police department and prosecutors office and they are also not able to issue me a seizure warrant. I have a complete email transcript and other supporting documents that substantiate that I was a true victim. According to the detective who contacted XXXX investigative unit, the scammers account has been locked down with over 20 wire transactions that has been tied up in the investigation. There is also an XXXX article cited the same individuals with the same scam. I'm just a civil servant working for the XXXX with XXXX kids in college and need my funds back. Please email me at XXXX or call me at XXXX
Opened XX/XX/2016 for XXXX XXXX XXXX. 
National Credit Systems XXXX. XXXX XXXX XXXX GA XXXX for the amount of {$1400.00}. 
I wrote to them to verify this account back in XXXX and have not received anything. This account is not validated, and needs to be removed. As of XX/XX/XXXX any civil judgement not validated or proven has to be removed. I am asking that this eviction be removed from all 3 bureaus, and proof of validation. If this can not be furnished then deletion is requested.
I have been working on my current loan modification for 3 years now with no resolution. This is my 3rd attempt at a loan mod. Some years back I completed a loan mod on my own. After the trial payments were completed and additional payments made the loan docs were never re-done to reflect the new loan terms. I was forced to stop payments due to the lack of new docs showing my new loan moving forward. A second loan mod package was completed again on my own. At the end of this process with a week or two left to close, my loan was sold to a different servicer. I was in shock. I started a new loan mod package with them. At t the end of this process they approved me again, however, my payment was going up more than {$1500.00} a month? At this point I was told take the deal or you will be forclosed on. Granite, my income had gone back up but I stated my income fluctuates and it will be tough to maintain that payment. They did n't care and pressured me into that mod or be foreclosed that month. A CLEAR VIOLATION OF FRANK DODD. Of course, after 12 months of payments I could not manage the payment anymore. Now after 3 years with representation, I still have no resolution. In fact, XXXX 5 months ago I challenged them on their valuation of of my property and them trying to deny my loan mod. I 'm a real estate appraiser and rebutted and destroyed their appraiser and valuation. To my surprise that entire loan package was lost/deleted or who knows and I was asked to submit a new complete package. This brings you up to date. Of, course they want me to submit more docs as I write to you today. Lastly, they have put my house in the foreclosure process again as I am still in negotiations. My lawyer asked why they did this and he was told because they can. Again, forclosure notices taped to my front door, mailings to the house, phone calls from people that want to buy my house. My kids harassed on the phone. The XXXX is now unbearable. I 'm not sure they even have a clear title on my property. This servicer has VIOLATED Frank Dodd by pressuring me etc. 
I 'm claiming reverse RED LINING due to my home being located in an affluent predominantly white neighborhood. And for the same reason just mentioned above, I claim I 'm being discriminated against. Please Help!
I really have no idea. Where is this that comes from. I believe its XXXX. And I have not had that service in over 10 years. The statute limitations for collection has passed. As I started to clean my credit up. I suddenly got a bill for {$40.00}. They told me to just pay it. And I said I didnt owe it. And now I get aggressive phone calls daily. And the amount is now {$370.00}. This is a sold debt. That can not be collected upon. Because I do not owe XXXX a thing.
I received a notice that I am being sued for debt collection by XXXX XXXX XXXX XXXX on a closed/and or charged off amount on a Synchrony Bank (Lowes) credit card and must respond/appear in court in 19 days. I have been disabled by a judge and only receive Disability benefits and cannot drive to appear in court, Account opened in XX/XX/XXXX,state of Texas, amount $XXXX. Any advice on this matter is appreciated,
On XX/XX/2018 I purchased a new Vehicle from XXXX XXXX. I was informed by the salesman that I was denied by them " the XXXX Dealership '' but they send customers that don't get approved by them to XXXX XXXX XXXX. They are less strict when it comes to approving clients for Auto loans. So the salesman submitted my application to XXXX XXXX XXXX and I was approved for the Auto Loan and I received my Brand New Vehicle a few weeks later after all the additional options were added. 

After making 6 on time payments I wanted to see the positive affect on my credit report and try to obtain a personal loan or credit card. Well after filling out for a monitoring service I noticed that my score actually Dropped and I was denied because of too many credit inquiries. I noticed a HUGE AMOUNT of unauthorized Credit Inquiries. After hours upon hours of investigating what these inquiries were, I figured out it was the Salesman that took my credit report info without my consent and blasted it off to Multiple different financial institutions that conducted hard pulls on my credit. We only agreed to Submit my Application to XXXX XXXX XXXX. 

This was done without my consent and this is a violation of the Fair Credit Reporting Act. 

I contacted Experian, XXXX and XXXX and I explained to them that these inquiries were unauthorized as I did not fill out any applications with these banks and that my information was submitted to them without my consent from the Auto Salesman from XXXX XXXX where I purchased my vehicle. The only Bank I filled out for was XXXX XXXX XXXX which currently holds the lien against the vehicle. 

All three credit bureaus told me to contact the banks and ask them for a letter of deletion. They cant remove the inquiry. I explained to them that this is a violation of the Fair Credit Reporting Act because it was done without my consent and if they can " POST '' this info they can also " REMOVE '' it. 

I continued to get the run around and was told I need to contact all the banks that pulled my credit. 

Some banks had phone numbers. Some Did not. I contacted the Banks that I could and the best results i received was to contact the credit bureaus because they don't give out letters of deletion! 

I attached a screen shot of my report that shows the Unauthorized Inquiries that I told the Credit Bureaus about. I have circled the ALL the Inquiries that are unauthorized
Dispute the information with XXXX XXXX XXXX XXXX XXXX and with the credit report agencies.

The fee charges in the loan are not correct. They are charging me in past due {$2200.00} dollars additional to the principal balance of {$2400.00} of the student loan. I studied in the XXXX XXXX XXXX XXXX XXXX XXXX during XX/XX/XXXX to XX/XX/XXXXwhen I apply and received the student loan, and then I was transferred to the XXXX XXXX XXXX XXXX  at XXXX XXXX and keep studying uninterrupted during the next years when I graduated in XX/XX/XXXX. Also, I have another consolidated student loan which I am still in a repayment plan, and paying as agreed in good standing.

XXXX are charging me the unexplained amount of {$2200.00} in past due amount loan. I never received letters from the XXXX XXXX XXXX XXXX or any of the campus that I studied, or any collection company regarding the student loan debt. The letters that XXXX sent was to a postal address in a XXXX XXXX from XXXX XXXX in which I no longer receive postal correspondence because I do not live in XXXX XXXX. Currently, I am living in the state of XXXX about two years ago, and lived previous years at different locations so I did not knew about the letters, but after the payment due date of the loan in XX/XX/XXXX, a relative who received the XXXX  letter addressed to my name in XXXX XXXX could not forwarded me the letter to XXXX, because XXXX XXXX for that date was flogged by a hurricane and natural disaster so there was no communication of any kind.

Recently I spoke with a XXXX  Customer Service Representative after i submitted a dispute with the Consumer Financial Protection Bureau in XX/XX/XXXX because they sent inaccurate information to the credit reports agencies, and I request to that person more information related to the past due charges of my student loan. The Customer Service representative let me know that they would send me a letter with the detailed information of the current and past due charges of my student loan. I am still waiting the requested information and details of the student loan, and why I have to pay past due charges if I never heard, or received notice calls or letters, with such information related to my student loan.

Principal Balance : {$2400.00} Past Due : {$2200.00} Total : {$4600.00} I tried to solve this matter with XXXX and didn't received any information from them, I created and updated my contact information in my profile account of XXXX  because they had inaccurate information in their records.
XX/XX/XXXX Customer is XXXX years old. 

- XX/XX/XXXX - Customer took out a Home Equity Loan with XXXX now Wells Fargo ( WF ) -  XX/XX/XXXX- XX/XX/XXXX - WF initiated Lender Placed Insurance ( LPI ) with XXXX XXXX XXXX XXXX ( XXXX ) / XXXX . 

- XX/XX/XXXX - Customer filed claim for leaking roof resulting in damaged walls and ceiling of customer 's home XX/XX/XXXX - XXXX issued a settlement check ( {$2500.00} ) payable to Wells Fargo and Customer jointly for the repair of the walls and ceilings. ( Insurance conclusion - " Cause of Loss - Windstorm ''. 

- {$0.00} for the roof - ( Insurance conclusion : " Inspection of the roof did not reveal wind damage ... however roof is worn, aged and leaking. '' XX/XX/XXXX - To secure home from further damage, after constant hassle with XXXX  / ( XXXX  ) to pay for roof repair, customer repaired the roof at a cost of {$12000.00}. 

- WF requested customer to endorse the {$2500.00} check and return it to WF and customer complied with their request. Check was never returned to customer. 

Since XX/XX/XXXX, customer pursued WF constantly regarding the {$2500.00} check, which customer realized was never returned to customer. Several inquiries to WF regarding this check resulted in responses such as : No activity on this check, conflicting information on the screen ; check was put on hold, check was outdated, check was in a Restricted Escrow Acct., new check was sent out to customer. 

- Customer only signed the first check payable jointly to XXXX and the Customer, which was sent out by XXXX. 
- XXXX sent customer a copy of a WF check with customer 's signature on the back. 
- Customer wants to know who signed the second check, which according to XXXX, was made payable only to the Customer. 
- As of today, customer has not received either of the checks. 
- Customer recently reopened XXXX claim for the roof, but it was again denied. 

- The XXXX clearly states that " The costs of the insurance will be added to the Principal and will accrue interest at the Note XXXX XXXX. '' XX/XX/XXXX - Customer made a complete payment to Principal and asked for a Payoff amount. 
- Instead of adhering to the original agreement, XXXX created an entirely new account called " XXXX XXXX XXXX '', unknown to the Customer, and concluded, according to XXXX of its employees that it was in the best interest of the customer. 

- Payments to the XXXX were accumulating as follows and added to the payoff : Yr XXXX - {$3200.00} ; XXXX XXXX - {$3200.00} ; XXXX XXXX - {$3100.00} Yr. XXXX - {$3000.00} ; XXXX XXXX - {$3300.00} - No correspondence to inform a XXXX XXXX XXXX customer that these payments were escalating year after year after year - No Statement throughout the life of the loan - No Escrow to allow customer to keep up with the insurance on a yearly basis - No form of communication to keep abreast of the account XX/XX/XXXX Customer paid off a final {$10.00} towards the Principal on the Home Equity Loan. The Principal and Interest on the XXXX XXXX XXXX are paid in full. 
- WF removed the {$10.00} from the Principal because of the outstanding XXXX, a situation which they created for a XXXX XXXX XXXX customer.
I received a letter from National Credit Services indicating they collecting on an old debt from a former apartment complex. I sent in writing a letter disputing the debt and the amount owed. The next communication I received from them was a letter stating I failed to setup and arrangement or respond and they were getting ready to report to the credit bureau ( dated XXXX XXXX ). After receiving the letter on XXXX XXXX I called to inquire about my dispute. The agent was very rude stating they verified with the apartment complex and it was valid. He told me a letter was sent XXXX XXXX. I told him I only received the XXXX XXXX letter with no mention of a dispute, letter, or bill. He stated they did n't have to send it and continued to try to collect the debt. I requested a supervisor who also stated they sent it, I was on a recorded line and they had me on tape saying I received it. I again stated I had not received a statement or acknowledgement of the dispute and I believed they could not report until they acknowledged my dispute and validated the debt. He told me they would report me over the weekend of XXXX XXXX if I did not make a payment, he offered to set up a payment plan then stated he would send me bill from the creditor after I did so. I setup a payment to receive a copy of the bill and save my credit score. I do not believe this company followed the law because they did not send me verification of the debt, prior to continuing collection efforts. To date I have n't still have n't received a copy of the bill which they allege they initially sent on XXXX XXXX.
Hello, Over a month ago I requested my free credit report from Equifax ... .I regularly check my free credit report with XXXX XXXX XXXX but that is not as complete. Equifax consistently refused to even receive my information online, but when I agreed to pay for it they said they would do it for me. I found mistakes, that were minor but could be a problem for me if they are not corrected. Today I found another mistake by Equifax. They are reporting that an account of mine is still open, although it was closed in a chapter XXXX bankruptcy in 2010. This is the third account that they are reporting as open but included in BK. When I tried to dispute it ( tried 3 times ) they told me that the information that I was giving them was incorrect. It absolutely was not incorrect ... .I have all of the backup information. Equifax is consistently difficult to get mistakes corrected, or even get a dispute started. Basically the first problem that I had with them was that I could not get my free credit report ... .but when I offered to pay for it they gave me the report. This time the problem is a XXXX ( which became XXXX XXXX ) was included in a chapter XXXX BK and discharged. Equifax shows it as open. They also show open a XXXX XXXX XXXX Account that was included in the same chapter XXXX, as well as a XXXX Account. 
Thank You XXXX