WillisBack/dataset-financial-user-claim huggingface dataset:
I 've had a Chase credit card for a few years, never late. I opened a checking account 2 days ago and they now have closed the checking account and my credit card account. They did this a few years ago too. I can get to answers as to why. I have not defaulted, I have not deposited cash, I am not money laundering or gambling or overdrafting or anything else. I have 2 other checking accounts but there is a Chase close by so for ATM purposes it would have saved me . It was fine that they closed my checking, I had never had the chance to even use it but to close my credit card too ... rude. Please help, it 's been years and I 'm blacklisted by Chase and can get zero answers from the company ... only that they have the right to close my account ( s ) with no explaination.
Progressive Financial Services, Inc unlawfully and illegally removed my student loan account with the U.S. Department Of Education out of deferment status and seized {$7000.00} illegally and unlawfully from my federal and state tax return. My student loan account is suppose to be in deferment status and I should have a balance under {$2000.00} because I was given a waiver of debt for debt forgiveness. I have repeatedly received phone calls from debt collectors from Progressive Financial Services Inc harassing, verbally abusing and threatening me with harm, death, arrest and wage garnishment.
I applied for a credit card as well as a mortgage loan and was turn down when at that time when I applied for a mortgage with a XXXX XXXX and I was turn down and now a simple credit card I was turn down all because I think of my race all because I 'm a XXXX man who work XXXX jobs and no criminal back ground and a honest paying tax payer so how in the XXXX I do n't get approve shaking my head on this matter ... ..I think I need to sue everyone that 's involved in this set back
I am a potential victim of the Equifax data security breach and I would like to make sure measures are put in place to tighten cyber security.
Chase bank notified me of possible fraudulent activity relating to my debit card/checking account. I check to look at the activity and it indeed was not myself making the ATM withdrawals. I noticed that over {$4000.00} had been taken out. I opened a claim with them but they said that since I logged into my account during the time of fraud that it 's considering " monitoring '' the account so they will not honor my refund. I had the card with me the whole time and I confirmed with a chase representative that the withdrawals were made with a card that did n't have a chip ( i.e. Chase security failed me and someone duplicated my card and got my PIN ). Additionally I was not near any of the ATM 's during the time of withdrawls.
There is one ( 1 ) account that should have aged off of my credit report that is not only not aging off, but is being reported in duplicate ( XXXX as opposed to XXXX ) on my credit report. 

I have contacted and informed both the company that is supplying this erroneous, damaging information ( USAA ) and the credit reporting agencies XXXX  and XXXX with no success. I have sent documents to include XXXX 's and first report dates that validate my position that the information should have aged off and that the amount was for XXXX and not XXXX.
I switched from  XXXX  to  XXXX  in  XXXX  of  XXXX . While waiting on payoffs from  XXXX ,  XXXX  sent my final invoice to a collection agency. I called  XXXX  to verify and they stated it was real, so I called the  Collection Company and  based on the phone call and letter they offered me a settlement with  XXXX . This was in  XXXX , they stated I had time before they would report, but if I paid off I was clear and satisfied. When I received my money from  XXXX  I called back to the  Collection Agency i n  XXXX  and took the settlement amount on  XX/XX/XXXX . They stated they would send me a settled in full letter. I thought nothing of this until in  XXXX  they sent my information to credit bureau saying I still owed the other amount from settlement. I immediately called and wanted to know what was going on. They claimed oh it will clear in 90 days, well I was in the process of buying a home, needless to say it cost me a higher interest rate, plus I did not get the type of loan that would have saved me half the money I spent in closing cost. I was livid. I ended up contacting  XXXX , who once again stated yes they had authorized the collection firm, but I still owed the balance, I could let it sit on my credit or pay it off. On  XX/XX/XXXX , I paid the other amount and they promised the next day they would report to credit bureau that it had been paid in full. Needless to say again, I was lied to and by the way, the collection agency stopped answering the phone whenever I called. Finally on  XXXX   XXXX , I spoke again to a  XXXX  representative and she said it would be fixed in 5 days. I kept asking for a satisfied letter, which I have never received. After this process I feel like I was scammed and if I 'm correct, when a collection agency takes over a claim, the company is paid. I paid both the collection agency and went back to  XXXX  and paid the balance. I would have gladly paid the full amount in the beginning, but was offered a false settlement that cost me a lot of time and money. NEVER AGAIN!
I received a call from someone saying they were near my house and about to drop off court papers that I should 've been made aware of a week ago. I told the person I was not aware of the papers and she gave me a phone number and a case number as well as a reference number which was the last XXXX digits of my social security number. I called and the person I spoke with said I owed money to " XXXX '' and that I 'd made payments and stopped making payments and now they were attempting to collect the debt. She grew increasingly combative and then hung up on me saying my recorded conversation would be presented in court. 

No one showed up at my house. 

I 've never had an account with XXXX. I called XXXX 's card services department and they do not have an account for me. This seems like an obvious attempt to scam me out of money. 

I also called my police non-emergency and they agreed that it was probably a scam. 

The company 's name is WRS. It looks like they have a legit website under World Recovery Services ( http : //www.worldwiderecovery.net/ ). The number I was given is XXXX. 

I did not give these people any money or personal information.
Citibank is calling on Sunday morning at XXXX XXXX ( Arizona time ) for a payment to a past due account. Per the federal guidelines, it states calls can be made between XXXX XXXX - XXXX XXXX on Sundays. This phone call was outside of these hours.
I have utilized XXXX XXXX for over one year and in that time have had numerous hard inquiries put on my credit by an unknown person using an old address of mine. I 've contacted each credit reporting agency, the sheriff Dept, and the ftc and " no one can do anything about it ''. The credit inquiries continue despite multiple fraud alerts placed on my credit and the companies refuse to remove the inquiries despite my insistence that my credit is being fraudulently used. 
I will soon be obtaining legal counsel for this issue if it can not be remedied. Thank you for your assistance in this matter.
I sent a letter to XXXX XXXX disputing that I have never been 30, 60, 90, 120, 150 or 180 days late. They have yet to send me any proof that this account belongs to me or prove that I was ever late, therefore this account should be deleted. After 31 days they still have not placed the verbiage dispute on my credit report All the letters that I sent to XXXX XXXX at XXXX XXXX XXXX XXXX, TX XXXX was returned to sender. If this is not their correct address they are reporting incorrect information on my credit report, therefore, this account should be deleted. XXXX sent a letter stating that they have verified this account to be accurate. However, all of the letters that I have sent to XXXX have been returned to sender, I would like to know if Equifax sent XXXX a letter was it to the address on my account and if so was it returned to sender and if so, this account should be deleted because Equifax is not reporting verified facts. If it was to a different address that was not accurate reporting because the address on my credit report should have been the address that they sent their letter to as well, therefore, this account should be deleted off of my credit file.
I was informed that if I qualified for a short term loan with money lion that a membership fee would have to be paid while I had this loan. it was a {$600.00} loan to be repaid in 6 months, during which a membership payment along with a loan payment would be paid until the loan was paid off. {$130.00} for the fee and {$100.00}. for the loan payment. I made all the loan payments and paid off the loan on time XX/XX/XXXX XXXX. one membership fee was not taken from my account otherwise 5x {$130.00} was paid. when the loan was paid off my obligation for monies ended then. moneylion has since continued to withdraw {$130.00} a month two months after loan payoff. I contacted them and told them that those unauthorized withdraws on my account were not ok they told me that until I paid the missing payment fee from XXXX that I could not cancel the membership I didn't know I had. I went to their web site where I learned that the membership fee they were talking about was XXXX a month well with myself being charged XXXX a month these two fees must be different if a membership for XXXX a month is truly what I joined then why was I charged XXXX $ a month. when I was given this loan I was not aware I was joining a club, organization, or group I was simply informed that when I had a loan thru them I would be charged the extra fee. so now Money lion has  received from my account XXXX in membership fees and XXXX in loan payments totaling XXXX for a XXXX loan claiming I was only charged 5 % interest. I think that money lion should have to be held to there own guidelines. if I really did join a membership then I should have been charged their stated membership fee of XXXX for six months totaling XXXX plus the loan payments XXXX I should be able to cancel said membership anytime after load payoff. moneylion overcharged me XXXX a month on the membership fee 5 times ( XXXX ) charged me 2 months past loan payoff ( XXXX ) overcharging me XXXX I missed one fee charge of XXXX leaving us with a XXXX over charge to me. which I would like refunded. 


thank you
I have made numerous complaints about PenFed Bank about an unauthorized inquiry on my report from XX/XX/2018. Each time they claimed different bs. Finally they made a comment in which i have the letter stating they will remove the inquiry from my credit report which they just said that to please the CFPBlile they were really concerned about doing what they said they were going to do. I have attacthed a screenshot showing that they have failed to remove it from my credit report and that it was recently updated with XXXX  this month. I'm only writing just to let CFPB this company lied about what they said they were going to do. As of Monday XX/XX/2018 i will take the letter that they stated they were removing it from my credit report to a lawyer and take this matter to court. If they deleted like they said they were going to do they wouldn't have updated the credit bureau as of this month. They would have updated it as deleted but they chose not too so i have no other choice now on this matter
On XX/XX/XXXX I received a letter from my insurance stating my homeowners insurance has not been paid and it was escrowed by Ocwen. After lots of time on the phone and help from my insurance company, it was overnighted and paid. XX/XX/XXXX I received a check for {$590.00} from the escrow dept stating our escrow account was overfunded and this set it right. XX/XX/XXXX I got a letter from Ocwen 's escrow department stating I owed them over {$600.00} to make the escrow account balanced and included a schedule of increased payments to catch up the account. After much time on the phone with a customer service rep and later the supervisor, I decided to cancel the escrow account and per their instructions wrote a letter that was signed by my wife and myself stating all the supervisor requested plus a check for {$51.00} that would bring the account to XXXX and allow the cancellation. I was told they needed 10 days in order to make this happen and mailed the letter with the check on XX/XX/XXXX. I was told the adjustment to the auto draft would be automatically made and the XX/XX/XXXX draft would not include the escrow amount. However, it did and further I received a monthly bill on XX/XX/XXXX stating an amount of the payment for XX/XX/XXXX which still included the escrow amount. Checking my account, I found they had taken the escrow amount, which should have been cancelled ( we have the cancelled check that was inside the letter ) with the XX/XX/XXXX payment and clearly they had not cancelled the escrow payments. I called customer service on XX/XX/XXXX and spoke to an escalation Supervisor who stated he needed 3 - 5 days to look into it. I firmly but respectfully expressed my dissatisfaction with his company and I am now awaiting response. This blatant incompetence on the part of Ocwen is irresponsible and I regret having them escrow my property taxes and insurance which I will pay myself once they figure out how to cancel the escrow and pay me back what they took in an unauthorized way. Please warn others about having an escrow account with Ocwen who clearly ca n't manage those accounts.
XXXX XXXX XXXX, XXXX XXXX XXXX etc are continuous reporting the same bill multiple times on all of my credit reports. The same bills show up 5 times or more. For example, XXXX USD shows up 9 times its one bill not 9 of the same bill. This is killing my credit score in all 3 bureaus. Some bills are very very old and should not even be there anymore and some should just not be there period. I have tried to reach out to fix these issues and nothing has been done. I also just had an issue with a breach in that someone in XXXX  attempted to withdraw XXXX dollars from my checking account! I live in XXXX and have never been to XXXX  ... .and I have now filed a police report for that. Please make them fix this! I will also retain an attorney to help in the above situations and am preparing for bankruptcy.
XX/XX/18 : Credit Inquiry fro unauthorized source. 

I checked my credit report today and saw a hard pull on an inquiry from a company called XXXX. From doing some research it's XXXX, but I didn't request a new credit card. I already have an account with them in good standing for over 5 years and never requested a new card or an account.
XXXXrequest to Security Credit Services LLC to verify the debt at address XXXX XXXX XXXX XXXX, XXXX MS XXXX *Letter returned to sender as refused//unable to forward XXXX2nd attempt letter to validate the debt Security Credit Services LLC at address XXXX XXXX XXXX XXXX, XXXX MS XXXX XXXX XX/XX/2018 @ XXXX no response received from the company I sent letter to Security Credit Services LLC requesting them to validate the debt . My attempts have been returned or no response from the company. The amount showing on my credit report is $ XXXX.I reach out to all credit bureaus to see what method did they use to verified the debt since I received no response. I only received a letter back stating that it was accurate and verified again.This have been almost a year and no communication from the company.
I am getting phone calls two times a day asking to speak to XXXX XXXX. I am not XXXX XXXX. This has been going on for two months. I call them back state I am not her as to take my number off they call again the next day. I have spoken with manager she assured me this will not happen again it is still happening.
when I went to get my pay off om my mortgage it was listed as XXXX principal and they told me even if I pay it off I will still owe them XXXX dollars interest and it will make my pay off XXXX dollars why can a bank do that to a customer and other loan company 's can not? what part of out sick government lets them do such things to a hard working citizen of this country?
I contacted XXXX XXXX regarding the inquiries listed on my credit report that were not authorized and done by myself on XXXX/XXXX/2017 and they explained that I needed to contact them in writing to dispute them. On XXXX/XXXX/2017 I did contact them via mail and rquested that all inquiries be removed at once because they were not authorized to pull my credit and I have n't applied for any cards with this bank. XXXX XXXX never responded to my initial written request so I called the Equifax XXXX/XXXX/2017 and again on XXXX/XXXX/2017 to explain the situation once again looking for some type of resolution and was told to call the creditor that there was nothing that can be done without written letter stating they ( XXXX XXXX  ) wanted the inquiries removed. I decided that I would again send out letters as well as contact the CFPB to notify you of this situation as well as send out a second letter to the creditor as well as a letter to the bureau for each unauthorized inquiry from XXXX XXXX although I was told that nothing would be done without written permission to be removed from the creditor. I find it very upsetting to have my credit score impacted by inquiries I myself have n't done and to have the bureau and XXXX XXXX just " bounce '' me back and forth between the two of them I ca n't seem to get to a point of resolution please help me resolve this matter because I have exhausted all attempts thank you.
I previously submitted a complaint against XXXX XXXX XXXX XXXX located at XXXX XXXX, XXXX, OH XXXX for incorrectly reporting an account that was included in my bankruptcy as a charged off account. The president of the company wrote back to the CFPB stating that my account had indeed been marked as included in bankruptcy even though he did not address the fact that his company would periodically change the remarks on the account and had not yet updated the reporting on XXXX and TransUnion. I then submitted disputes to both agencies regarding this account because I had spoken to an XXXX XXXX employee about a month after the president sent the letter, and she told me that they were not going to reflect my account as part of the bankruptcy. I have had no contact with the company except to dispute mistakes on my credit report so this account should have fallen off my credit report XX/XX/XXXX ( seven year mark ). All other bankruptcy related accounts have already dropped off. But every time my XXXX XXXX changes the reporting on my account, the date of last activity changes, and the date of removal is pushed back another year. In one day, my credit score dropped almost 100 points for negative activity that occurred in XX/XX/XXXX. When they update my account, it makes it seem as if the negative activity occurred recently not in XX/XX/XXXX. This account is scheduled to remain until XX/XX/XXXX; I asked both agencies to remove it citing the bankruptcy, and they did not. All they did was update the account as included in bankruptcy.
Bankruptcy discharged XX/XX/XXXX. USAA credit card was discharged in that bankruptcy. In XX/XX/XXXX, my USAA checking account was overdrawn due to insurance policy charges. I called USAA to give them updated bank account information, as I have no way to deposit money into USAA checking due to location. They debited the insurance charges from my new checking account, but referred my overdrawn checking account to a collection agency. As soon as I learned of this, I submitted a check to them in the amount of XXXX. Thinking this was resolved, and the check having cleared, I told the collection agency to stop calling me, as I had paid the debt directly to USAA. Today I called USAA and was informed that the payment was applied to an outstanding credit card debt, and they would not reverse it. I told the senior banking agent at USAA, named XXXX, that I included that credit card in by bankruptcy and that it was a violation of law to collect that debt. She told me I was wrong and disconnected the call. Attached are the credit card statement that they posted to my account for the XXXX time since XX/XX/XXXX, and my bankruptcy petition and discharge.
have contact all 3 major credit bureaus and XXXX XXXX in regards to account being invalid reporting late payment I have a letter from company it has been submitted to all 3 bureaus and they still refuse to remove late payments. I have never been late my loan with XXXX XXXX is current and paid as agreed since I entered contract up to this date of XX/XX/18. would like credit bureaus to remove late payment remarks
I have no idea what this is about. I sent a letter in XXXX and they did not respond to me.
I found a XXXX XXXX on my mortgage credit report. I moved, had mail forwarding and asked for and paid final bills on all of my accounts at that house including XXXX. My phone number and email address have not changed. I am not hard to find and pay every bill I am aware of. On XX/XX/XXXX I called XXXX XXXX   and told them I had no knowledge of this bill but would gladly pay it if it was deleted per FDCPA. I told them I wasn't notified properly. Had I know I owed it I would have paid it long before it became a problem. They said they did not delete accounts. That conversation went in circles and they told me to Call XXXX. I had the same conversation with XXXX and they said I could pay them and they would pull the collection from XXXX XXXX. I said great and paid them. I called the credit bureaus on XX/XX/18 and that account was still on my report. I called both XXXX and XXXX XXXX and they played dumb. When I spoke to XXXX on XX/XX/18 they said they would have their advanced collection team call me in 24 to 48 hours. It has been 9 days and counting. I can not qualify for a USDA Rural Housing Loa because I have a negative account in the last 12 months. This is not funny. I am easy to find and have 2/3rds the same contact info as when I had XXXX. This should never have been an issue and I am being punished because they chose not to make the slightest effort even though I consider my bill paying efforts to be diligent. I really don't see how I owe XXXX {$130.00} in the first place, but that is a different conversation. I want my credit restored by deleting the XXXX XXXX Account from all three credit bureaus. If I didn't turn in my equipment I would have an at least {$800.00} collection so then why would I continue XXXX XXXX after I returned my equipment.
I opened an account with XXXX XXXX about 5 years ago and I have noticed another company stating that I owe XXXX XXXX who I think is XXXX XXXX {$1300.00} and I do n't know I do n't have any bills stating i owe this amount to them and also I never open any account with XXXX XXXX they are saying I opened an account with them as well as in the payment history its not complete its saying I have never made a payment to XXXX XXXX and also that I am failing to pay them how is this accurate I can not pay money to a company I do n't know i do n't know what they are trying to do to me but I had to reach our for help I have tried other measures such as calling but I have not had any luck.
in 2010 s omeone filed a bankruptcy in my name not sure but believe it was my ex-husband from a nasty divorce my credit is perfect and I had no need to file a Bankruptcy.   FC RA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) This has to be  remove
Experian enrolled me in a credit monitoring service without my knowledge after I froze my credit. No notification was sent to me and no resolution has happened after multiple attempts to get them to cancel.
I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureaus and affecting me negatively.