WillisBack/dataset-financial-user-claim huggingface dataset:
According to Experian report number XXXX investigated and verified. However Experian never investigated and fraud Account Name : XXXX Complaint : 1st Delinquent date has been passed 7 Years Experian have never provided result of XXXX XXXX dispute which was reporting after nine years. 
a. Evidence Attached Experian violated FCRA according to XXXX response on CFPB XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Attached response and direct from creditor XXXX a. Attached Investigation result and XXXX response CFPB Case number : XXXX XXXX contact # XXXX XXXX Contact Name XXXX XXXX XXXX written response attached and also attached with CFPB case # XXXX In addition to attached XXXX XXXX IL foreclosure notice from XXXX XXXX I did not make any payment to my house since XXXX XXXX due to loss of business income and medical health issue Experian in violation -Evidence attached with CFPB case # XXXX
In XX/XX/XXXX during the financial crisis we left XXXX XXXX owing a balance to Citi Bank. We received notice and agreed to repay the amount of {$1100.00} in monthly installments. The last payment in XX/XX/XXXX of XXXX plus dollars. Last week I received a 1099C of discharged debt which I should file to the IRS. My problem is not with the debt but the bookkeeping First it was on their books as a debt then my payments should have been a collection. Next they carried it as an accounts receivable for 6 years Now they are charging it off as a loss. 
My account is a drop in the bucket. However, if you multiply this by maybe 200,000 customers the bucket is full. The books are cooked. How many people after 6 years and all the financial turmoil caused by these banks can prove out the repayment and if you do get an amended 1040C after a lot of trouble are they going to report the income. They remind me of XXXX XXXX. Charge a lot of people a little and you have millions. Please look into this. A copy is being sent to my senators office.
I disputed a credit inquiry on my credit report ( unauthorized credit inquiry ). 
Equifax did not remove the credit inquiry from my credit report asking to resolve with XXXX ( requestor ) directly. 
XXXX refuses to proceed and refer back to Equifax.
I booked a rental car to be picked up in XXXX, XXXX and return at XXXX, XXXX in XXXX 2015 through a website XXXX and pay with my Chase Ink Business Plus credit card. The rental fee I paid ( {$410.00} ) in advance included snow tire, one-way drop fee, etc. and other charges. At the time of pick-up, the clerk from rental car company, XXXX, requested I authorize a security charge on my Chase Ink card and assured me that it 's for security garantee purpose. Whe I returned the car in XXXX, I was directed to park the car at a underground parking garage with no human present and just lock and leave it there. My credit card was later charged an additional {$900.00}, and XXXX sent my a bill listing service charges that I either have already paid through XXXX or have never listed in the original service list. I filed a dispute with Chase on the duplicate service charges as well as un-listed service charges. My disput was denied by a Chase staff XXXX XXXX on the ground that " services were delivered ''. I called Chase to find out how I can appeal the decision and I was told the only way was to send a fax. I did send and appeal with all evidence of duplicate/unlisted charges. I stated that I was disputing duplicate and unlisted charges, not whether service delivered. The appeal was denied by the same person ( XXXX XXXX ) simly with the same reason " services were delivered ''. I don 't feel that Chase has really looked at my appeal, instead just sent it to the same person who just threw it back to me.
I received a notice dated XXXX XXXX, 2015 in the amount of {$2100.00}. from Finance System, Inc. I called and asked what this was for and was told XXXX XXXX XXXX referred me ( for a bill I never received from XXXX ). I sent a cease and desist letter and got a letter back stating they have verified my address and the amount I owe is {$2100.00}. I have no clue what this amount is derived from as the XXXX XXXX never sent me a copy of a final statement. In a letter dated XXXX XXXX, 2015, I received a letter from Finance Systems indicating they are attempting to collect a debt and If I did not pay it they would have no other choice than to contact an attorney and sue me, having my wages garnished. I have also contacted Better Business Bureau and Governors Office of Consumer Affairs and this morning sent a final cease and desist letter to Finance Systems, sending copies to the FTC and Insurance Commissioner of Georgia.
XXXX XXXX XXXX XXXX XXXX, SHOWS ACCOUNT IN COLLECTIONS AS OF XX/XX/XXXX FOR {$140.00} AND ANOTHER FOR {$32.00} DATING BACK TO XX/XX/XXXX. BOTH ACCOUNTS WERE PAID AND I RECEIVED A LETTER FROM THIS OFFICE STATING SOMEONE HAD HACKED INTO THIS DOCTOR 'S PATIENT MEDICAL RECORDS. I REQUESTED THE XXXX REPORT FOR FREE DUE TO THIS WARNING, AND IT SHOWS, BOTH THOSE AMOUNTS ARE STILL OUTSTANDING. PLEASE HAVE XXXX XXXX XXXX 'S OFFICE REMOVE THESE XXXX CHARGES!
Selene Finance is not giving us credit for mortgage payments that we made by putting the payments in suspense accounts and not crediting our account. As of XX/XX/XXXX our statement showed that we are {$0.00} past due. Selene accepted this payment on XX/XX/XXXX. About two weeks later we get a " Notice of Default and Intent to Accelerate.

This company appears to be using unethical, possibly illegal practices and trying to push a intent to accelerate to take customer home. This type of behavior should be investigated.
InXX/XX/XXXX, my husband and I sold our old house and purchase a new one. Once moving into our new house, I received a XXXX XXXX XXXX XXXX with a {$6500.00} credit limit that was mailed to my old mailing address but luckily forwarded to my new house. I did not apply for this card so I called XXXX and cancelled my credit card. Since then, I have had 3 XXXX XXXX  application submitted in my name without my knowledge until it shows up from my credit alerts.XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All applications were denied. All were applied under my old address. I have called XXXX each time and told them I did not apply for these cards and please send the credit bureaus a request to take this off my credit report but with no prevail. I have researched and it seems many people are having the same issue with XXXX and XXXX around the XX/XX/XXXX time-frame and once the buy a new house. I do not have any other fraud alerts coming across for any other cards just XXXX XXXX, please Help this is ruining my credit.
I contacted Experian about a dispute that I couldn't file online and I was transferred over to their Fraud department. I explained that there was a residence on the credit report that I've never lived at and the Customer Service representative told me that because I had mail forwarded to the residence that I couldn't remove it. That makes no sense to me because technically I haven't lived with the Owner of the home for 10 years in a previous residence. At the end of the day, when I account for the situation the owner of that home eventually stopped sending and therefore I stopped receiving my mail. I moved into an employment program because of possible government involvement that constituted entrapment charges that I wasn't seeing served. After even more accounting into past events that would constitute possible other felony charges that are not being paid any attention at the current time although they've been communicated to federal law enforcement. That could be collusion but I have an international limitation situation that suggests foul play from a military branch so its a federal case and the owner of the home seems to be getting a pass. In response, I've made distance between myself and my parents. My mother 's address was removed and the owner of the other residence is my father. I do not wish to be held liable for the property because of my wish to pursue legal action for my own assets which seem to be caught up in whatever is going on with my information. Thank you for your attention in these matters and I would appreciate it if you could contact the Federal Trade Commission and inform them of this complaint. My email is XXXX and I can be reached by telephone at : ( XXXX ) XXXX. Have a nice day. 

XXXX XXXX XXXX
I have a 36 month installment loan with lending club opened on XX/XX/XXXX. Today I checked my XXXX Credit Report and FICO. My FICO score dropped from XXXX to XXXX. 

The drop on score was due to lending club reporting my account 30 days late for XX/XX/XXXX which is incorrect. I have never paid this account 30 days late either it was within the grace period or paid late but before 30 days.
I have been contacting this company in efforts to solve a issue regarding a balance they say I allegedly owe. This company has not done proper investigation with the creditor that they are reporting for. I do n't owe anything to this company. The information they have is incorrect. I have disputed with the credit agency as well as contact the original creditor and they could n't even find the file. I have contacted the company by phone and the representatives there are really nasty. I have rights under Federal Credit Reporting Agency and upon this investigation I will take it further if my issue is not resolved.
I have been banking with Navy Federal Credit Union since XX/XX/XXXX!  Our history has been great until I realized that all credit cards and loans are fraud. I sent in several debt validation letters via certified mail and had no response from the company. After missing couple of payments for my credit card balance, of course, they followed up with phone calls and letters. They even updated my credit score with negative payment/missed payments. Over the phone, they failed to provide proof of the debt and kept saying that I owe the debt. No original contract, no wet signature. In order to enter into a contract, two parties must sign, right? 
On XX/XX/XXXX : I decided to settle the debt ONCE again in form of a XXXX and XXXX which were both accepted by the Internal Revenue Service. Once again, no update from Navy Federal Credit Union nor have they settle out the accounts. Now Im here to report them here. 
They can not lend us real credit, we're the creditors. All debts are FULLY repaid from day one. All loans and credit cards are fraud through deception. They monetize our signature and gave it back to us in form of a loan. 
Public Law and Public policy 73-10 Chapter 48 Stat 112 states that the U.S. Government is obligated to pay off all debts incurred by the American people.
I borrowed XXXX from Big picture Loans and have up to date paid them XXXX with still more to pay bi weekly, at 803 % with payments going all the way to XXXX 2017. I closed my checking account since I can not seem to keep with this bi weekly payment of XXXX, this absurd please advise. Thank you
This was a XXXX amount owed for a XXXX. I paid the balance in full to XXXX XXXX XXXX. They are stating that I was passed due and they refused to take this off my account. They were also sending bills to my wrong address. They had my corrected address but insisted that I still lived at XXXX XXXX.
A company called Enhance Recovery Company supposedly representing XXXX put a collections on my credit report at of XX/XX/XXXX saying they purchased a bill XX/XX/XXXX from XXXX which was allegedly from XX/XX/XXXX I have never received any communications from XXXX with threats of collections for a past due account and I have never received any correspondence from this collection company ERC they have violated section 809a of FDCPA. I still have not received any written or verbal communication from them and XXXX can not find this account that I am supposedly liable for I have had XXXX for 4 years as an individual account so this is ridiculous and has negatively affected my credit
Our issue has to do with the impartiality of Wells Fargo lack of Home Appraisals dispute process in their Home Refinance package. We as customers are totally removed from this process and ultimately we 're charged a high fee.
On XXXX/XXXX/2015, I sent a mortgage payoff payment via Chase BillPay of amount {$28000.00}. The payment was electronic and was delivered next day on XXXX according to Chase record. However, the recipient of this payment, the mortgage company, refused to accept this payment because it was not in certified check format per their policy for mortgage payoff. As a result, they notified me that they refused the payment on XXXX. Chase notified me on XXXX that the payment got refused. The mortgage company asked me to send the payment via wire within the next couple business days so that the payoff amount wo n't change. 
However, when I logged on my Chase account, I could not find anywhere that {$28000.00} is. I called Chase and spoke to XXXX representatives and XXXX supervisor. The supervisor told me their policy is that Bill Pay cancellation will take 2-5 business days to come back to my account. I was surprised, because Bill Pay ( especially this electronic one ) instantly takes my money when I submitted, but someone would hold on to it for 2-5 business days before returning back to me? It is worse than paper checks, where my money would have been sitting in the account while the check is being refused. 

The issue is then, I wo n't be able to make the mortgage payoff amount in the next couple business days. Plus, I felt it is extremely suspicious that Chase is just holding my money for interest or other investment during that 2-5 business days. 

I asked the Chase supervisor where their official policy is written, and legal terms and disclosures. She sent me the Chase Bill Pay legal terms and disclosures, but it only says " canceled Bill Pay funds will be returned back to your account the next business day ''. There is no where mentioning the 2-5 business days of returned/cancelled Bill Pay electronic payments. 

I am formally filing this complaint against Chase bank for unlawfully holding consumers ' money for extended period of time, outside of the Bill Pay legal terms and disclosures. 

Here is the Chase Bill Pay Legal Terms and Disclosures XXXX
HSBC closed checking account without any reason and refused to issue the bonus for account opening. From my side I made everything to fulfill the offer requirements ( funded the account in right time and amount, connected direct deposit ) Also I have sent requested documents, multiple emails and made a lot of calls to HSBC ). 
Whole story : In XXXX, XXXX I opened HSBC XXXX account.It was opened with the following offer " Open an HSBC XXXX relationship with a balance of {$10000.00} or more in new funds and receive a {$350.00} bonus ''. I funded the account with {$10000.00}, later I set up a direct deposit to it. Everything was fine. Sometime in XXXX, XXXX I received voicemails from HSBC and a mail which indicated that HSBC need some documents from me and that account could be closed if I do not provide the information. First, I was surprised why HSBC opened and let me fund account if HSBC does n't have required information. After calling HSBC I had an email from HSBC with a documents request. It was on XXXX XXXX, XXXX. I replied the same day and requested documents were attached. I have never got any kind of confirmation or reply. I sent multiple emails asking for confirmation to that person and to XXXX '. I have never got a response.Sometime later the account was closed and I received a check. I called Customer Service to figure out what is going on. They opened a complaint for me. ). I called HSBC Customer Service multiple times but they said that they are unable to resolve this issue and that I do need to contact executive office. I contacted HSBC executive office and you were unable to explain why no one acknowledged receipt of requested information. You also mentioned that " The Bank also has the right to close your account at any time for any reason or no reason. '' On XXXX/XXXX/XXXX I 've contacted HSBC executive office asking for the above mentioned {$350.00} bonus. As per HSBC response " To clarify, the checking account application was never approved. '' My concern is how HSBC allowed me to fund HSBC Checking account if it was never approved. The transactions to HSBC Checking account ( all accepted ) : XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Initial deposit ) From my side I made everything to fulfill the offer requirements ( funded the account in right time and amount, connected direct deposit ) Also I have sent requested documents, multiple emails and made a lot of calls to HSBC ).
fraudulent credit card opened under my name listed under my old neighbors address. I would like to press charges against her. credit card company is XXXX XXXXXXXX XXXX. the neighbor who stole my identity is named XXXX XXXX from XXXX XXXX Fl XXXX. She works at XXXX XXXX XXXX. she opened a fake account under my name for XXXX $ and maxed it out I caught her from my alerts on my phone. the address of delivery was her XXXX XXXX XXXX.
I have b een discharged of my debt obligation to SPS Portfolio Servicing for ov er 2 years now. I have legally removed my name from the property deed and title, and mailed proof of such to the bank and conveniently one department does n't communicate with the other and claims such documentation does not exist ... and its public record. The only person on the deed and title is my ex wife, but she was NEVER AND NOT on the mortgage loan in any way what so ever nor is she financially obligated to the mortgage company at all. The bank obviously has a lien against the property until sold. SPS sends me monthly mortgage payment coupons and statements as if I were a current customer, with updates as to what 's owed, back taxes owed to them and how much to pay them, what the current escrow balance is and how much I need to pay to make it current, also sends me statements of what I owe them as far as home owners insurance they purchased in my name, and the balance they claim as I the " debtor '' owes them ... and it goes on and on ... HOW DOES THAT WORK ... WHY DOES THE BANK CALL ME THE " DEBTOR ''? When I was by law ... been released of the debt and the title of " DEBTOR '' I 'm being HARRASSED relentlessly, I WANT TO SUE and be compensated for every piece of correspondence they sent me, SENDING ME INTO  XXXX , AGRAVATION, sleepless nights wondering if or what they might try ... mess with my wages, my job, I do n't know how far they will go??!!! Once I lose my job, or wages ... it would be ages for me to recover, even if they were at fault in doing so to me ... They wont stop..I told them many times. The last statement they sent me shows them claiming a balance of almost a  XXXX  dollars, OMG ... from an original balance of {$460000.00}!!! TRY HAVING THAT ON YOUR MIND!! lastly, they claim the property was surrendered, THIS IS NOT TRUE, THE PROPERTY IS NOT MINE TO SURRENDER. THEY LIED.
For the first time a '' Memorandum of costs after judgment of accured interest '' dated  XX/XX/XXXX  was mailed to my old address from  Persolve LLC  case #  XXXX   XXXX  Courthouse?! It was a long time before I could find any case info because the website indicates  XXXX   XXXX  Courthouse not  XXXX . I was shocked to find out this Company filed summons  XX/XX/XXXX , got judgment in     XX/XX/XXXX .  I was never informed, called, served or anything mailed to me for 7 years!!!!   This  Company filed Writ of Execution  to  XXXX  County  XX/XX/XXXX . In  XX/XX/XXXX 7 they garnished my Bank account and took money!!!!!! I filed Claim of Exemption  XX/XX/XXXX .that was mailed to wrong address again after I gave the Sheriff correct address and phone number. I do n't know who this  Company is or owe anything to them. How can the Court o rder against me without giving me a fair chance to defend my self. I ca n't explain how violated I feel. I am  XXXX . My only income is from  XXXX . I am a   XXXX   XXXX   XXXX  . How can they do this to me? It is hard to deal with day to day suffering from my illness.   BUT THEY MANAGED TO STEAL MY MONEY. I have court on  XXXX  because Persolve filed notice of opposition to claim of exemption???? I have contacted  XXXX ,  XXXX   XXXX  and  XXXX  they have no records of any negative accounts. It is deceptive collection practices and misleading the  Court, The Judge, The Law  and myself. I need some one that will stand up for me and stop others from being unfairly taken advantage of.
On XX/XX/XXXX I called my bank, Chase to report my card lost and stolen. 
I spoke to a gentleman and advised him that I could not find my debit card since XX/XX/XXXX around noon after I pumped gas at XXXX XXXX. 

I advised him that I went to XXXX XXXX and tried to use my debit card, but after 3 tries, I had to go inside.The cashier had to slide my card inside because it was not working outside. I advised the Chase rep that I must have dropped my debit card there because when I looked at the charges they were from the stores around the area of the gas station. 

The Chase rep went over all the charges with me and he sent in disputes on items i did not recognize and granted temporary credit. 

I called Chase on XX/XX/XXXX and asked why the charges were reversed back to me. The Chase rep said that it was inconsistent as not all items were disputed. I told her that I was not familiar with all of them so I did not want to dispute something that could be mine because I know that sometimes charges does not always reflect the same day. 

I requested for the claim to be reopened, but the Chase rep said she couldn't without proof. I asked her what proof did she want. Chase rep said " Nothing you can give to prove this '' ( somewhere along those lines ). I told her " I know '' how would I prove this. Do you want me to get a police report? ". I requested to speak to a manager, after being placed on hold she came back and said someone will have to call me back within 1-2 days. 

This is not fair. I did not do those charges. I have never filed a dispute with Chase except one with XXXX when I told them that my card was charged after it declined the first time ( my husband then used his card ). 

I have left XXXX after they opened a Savings account in my name ( Lawsuit they were in ) I have recommended Chase to all my friends and family and my mom 's business thinking this was a better bank, but I can see that Chase is not about helping their clients at all.
XXXX XXXX is trying to collect a debt in the amount of {$2000.00} which was added to my credit report on XX/XX/XXXX16. 

I have tried making contact with XXXX XXXX and each ( 3 ) credit bureau letting them know this debt does not belong to me. I still have not received original signed documents from either of the bureau nor XXXX XXXX the credit bureau are saying these items have been verified I will like to see the original signed documents stating how.
I have filed  XXXX  previous complaints. I want to make you aware of all the financial institutions involved in a current military scam, it is adverselyaffecting thousands of people.  XXXX  #  XXXX  and  XXXX  #  XXXX . This  XXXX  is about  Wells Fargo . As in previous complaints money is put into accounts and the pulled out of people 's accounts that are victims of this scam. The funds that pay and pull payments from other credit card account are always  Wells Fargo. I a m pretty sure that someone that works  at Wells Fargo i s providing the scammers, supposed  XXXX   of U nited States  XXXX ,  XXXX   XXXX   XXXX ,. I have filed with numerous government agencies to try to prevent other people from falling prey and becoming victims of this military scam. I have account numbers for accounts here. I also have names account numbers that scammers have you deposit into for other banks. I am more than happy to provide you with this information at your request. I also have names of potential family members of scammer and associates that could possibly be employees of  Wells Fargo. The sca mmer lives in  XXXX  CA, not all that far away fro m Wells Fargo HQ.
they are accounts from XXXX that are being reported as late, but I was never late paying this company. Also inquiry that I have not ever authorize.