WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted an overpayment of {$4600.00} to Chase MileagePlus due to a BillPay error. The overpayment posted on XXXX XXXX 2015. Subsequent to the overpayment, I contacted the Customer Service number associated with Chase MileagePlus on XXXX XXXX and asked that the credit on the account be refunded to me. On XXXX XXXX, Chase MileagePlus issued a check to arrive within 7 - 10 business days. After 5 business days had elapsed, I contacted Chase to determine the status of my return of excess funds. I was told to wait the full XXXX business days before contacting Chase again. On XXXX XXXX, I contacted Chase MileagePlus Customer Care again to determine the status of the refund check. At this point, the Chase Customer Service representative I spoke with advised me that the check should have arrived within a few days of issue due to the proximity between their check printing office in the XXXX and XXXX. The Chase representative advised me that a Stop Payment should be placed on the check and the refund could then be processed via EFT within a couple of business days. On XXXX XXXX, I contacted Chase Payment Services to determine the status of the Stop Payment and was told that it would take 7-10 business days for the Stop Payment to be processed before a XXXX refund check could be issued. I advised the Chase Customer Care staff that this is unacceptable and asked what other solutions existed. The account manager XXXX XXXX advised me that no other solutions were available despite being advised of the conflicting guidance of multiple customer service representatives I spoke with. As I am sure the CFPB is aware, JP Morgan Chase has multiple options at its disposal to rectify this situation, which it is choosing not to deploy despite taking in excess of 30 days to refund a {$4000.00} overpayment. Most Americans would not be able to juggle such a balance in transit without considerable cost and hardship. This type of behavior is unacceptable on a number of different levels for customers who are attempting to maintain clean, solid credit histories and are asked to provide payments on-time regardless of mail service issues. Yet, credit card companies such as Chase do not hold themselves to these same standards.
I bought a car in XXXX XXXX. I got a loan through XXXX and was making payments monthly. I made all my payments on time, however, I got in a crash in XXXX XXXX and my car was totalled. I had insurance and gap insurance which together paid off the car fully. I had no problem for a couple months, but recently ( XXXX or XXXX XXXX ) I checked my credit score and I was flagged as missing a payment. This does n't make sense as the car loan should have been paid of in full by my former insurance company ( they kicked me off afterwards unfortunately ). What can I do to get this reversed, I went from a XXXX to about a XXXX.
TransUnion refuses to reinvestigate an item that 's appearing on my credit report. I sent several documents in that stands behind my claim. I was told by a XXXX that works for TransUnion on Friday XXXX, 2016 that although I sent in proof of the inaccuracies there 's nothing they can do about it. Only the company can remove inaccurate items. Please find that I 've included the necessary documents that this item is reporting incorrectly and still remains on my credit bureau. 
" Under Section 611 of the FCRA, if a consumer disputes the completeness or accuracy of his or her credit file, the credit bureau has an obligation to conduct a reasonable reinvestigation.79 Thebureaumustgenerally complete a reinvestigation within 30 days, in which it must consider all the relevant information supplied by theconsumer.80 Moreover, it has five business days to forward the dispute to the relevant furnisher.81 The credit bureau notification to the furnisher shall include all relevant information received from the consumer.82 Ifthereinvestigationdeterminesthattheconsumer'sdataisinaccurate, incomplete, or can not be verified, thebureaumustdeletethedisputeddata.83 Furnishershaveindependentobligationsunderthe FCRA, after receiving notice from a CRA of a consumer dispute, pursuant to Section XXXX to conduct an investigation into the disputed information, to review all the relevant information provided by the CRA, and to report the results of the investigation to the CRA. ''
I have already filed a complaint and received their response. They are unwilling to work with us to repay the property taxes that they paid.

We have been working with an outside institution to try to obtain the funds required to stop the foreclosure.

I am very concerned that if I get what they say is needed they will have changed the amount and not notified us.

The Law Firm was unable to give an exact amount needed and it took several contacts with Ocwen to get someone to respond with an amount.

We are reaching the deadline and I want to make sure they have not changed the amount or the rules.

They sent letter dated XX/XX/2018 that the amount required to stop foreclosure was {$3100.00}.

Can you contact them on our behalf to make sure they are sticking to this amount because if they have changed this amount our attempts to obtain funding will be in vain and they did not notify us with a formal letter of any increases or changes and they would not have given us enough time for any adjustments.

If they did change any amounts due without notifying us would they not be in violation of the fair debt responsibility?

If possible can you contact them on our behalf and get back to us asap?

Ocwen Reverse Mortgage Servicing Dept Loan # XXXX  ( XXXX ) XXXX office ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX  ( XXXX   ) XXXX XXXX
I applied to refinance my home mortgage in XXXX 2015. My bank agreed to match the refinance terms that I had received from a broker because of my being a long term banking customer. I proceeded with the loan process which included a loan subjugation from the city of XXXX XXXX and the conversion of assets to annual income. I received the Good Faith Estimate in XXXX 2015 which was as we agreed except the closing credits would be reflected once everything was finalized so that the amount would be correct. As the months passed I asked the mortgage banker about the rate lock and our original terms to make sure the rate, term and closing costs were as agreed. He assured me that the bank would uphold the terms and not to worry about the extensions. I talked with the mortgage broker XXXX XXXX about closing the XXXX. He said he would get back to me. 
On XXXX XXXX I received a revised Good Faith Estimate in the mail. It quoted {$6000.00} closing costs not the {$1500.00} quoted on the XXXX 2015 Estimate. The higher amount reflects the cost of the rate extensions which the bank newly determined to be my responsibility. The reason given was because the subjugation from the City of XXXX XXXX was not received until XXXX 2015 and since the delay was not the banks fault ... .I am responsible for the multiple rate locks. Their position ignores what I was told verbally by their mortgage broker. There were no written notifications either. If I had been aware of the cost of the rate extensions, I may have made different choices about pursuing the subjugation. 
I have been lied to and am in a position with few alternatives. The loan process that I believed was closing in a week is not as was presented to me. I hoping that I have some recourse.
I am filing this complain because TransUnion has ignored me request to provide me with the Documents that their company has on file that was used to verify the accounts i disputed they have gone past 30 days mark and can not verify these accounts. 
Under section 611 ( 5 ) ( A ) of FCRA - THEY ARE REQUIRED TO " promptly delete all information which can not be verified " that i have disputed Please resolve this manner as soon as possible, thank you
Equifax is wrongly reporting the following collection that was settled. 
They need to remove it from my credit report pronto. 
XXXX XXXX XXXX, 2015 Open {$1200.00}
Issue # 1 I sent in a check for XX/XX/XXXX. The mortgage company said they never received it. Mortgage company sent me a letter in XX/XX/XXXX to say they did not receive my payment. I initiated a letter to question why they did n't receive it and sent a check for two payments, XX/XX/XXXX & XX/XX/XXXX, certified. I contacted the mortgage company about a week later to verify they received my payment. The mortgage company stated they did not receive it. They gave me a hard time when trying to make the payment, then transferred me to an account manager. Again, I went through a lot of hardship about my payment. I mentioned it was sent certified, then I was asked for the tracking numbers. The first tracking number was not acknowledged until the second one came up. One was received XX/XX/XXXX, the other was received XX/XX/XXXX. My check was not processed. Mortgage company sent me documents in regards to my payments and any fees. Mortgage company sent me a letter and said that my payment was 30 days late and the credit companies would be notified. Mortgage company sent me a letter regarding that I was two months behind, along with late fee charges. Mortgage company then sent a letter in regards to not fulfilling my payments towards the deed of trust. Mortgage company sent me a letter along with my XX/XX/XXXX, explaining they received it damaged ( check was stamped and initialed ). Mortgage company had notified credit company that I was two months late on my payments. I received another letter from the mortgage company with bankruptcy an foreclosure papers by courier. I sent a payment in for three months, certified registered receipt. I received a threat letter from mortgage company regarding three months payments with additional fees. ( Must be paid by XX/XX/XXXX, or foreclosure would be activated ) Then, I contacted the mortgage company to inquire if they received my payment of three months, the agent said it was received and it was being processed. I asked if this would clear the foreclosure action, and the answer was yes. <P/>Issue # 2 Fiscal year XX/XX/XXXX, mortgage company modified and increased my Escrow, causing me to scramble in being able to meet my monthly payments. Over the course of the year, I was able to get the Escrow up and payments on schedule. Mortgage company, on paper, had me as if I was a month behind, even though I made every payment on time. The mortgage company added unnecessary fees showing I owed over {$140.00} in fees. The end of the fiscal year, XX/XX/XXXX, the mortgage company had to send me a refund of overpayment in the Escrow account. My XX/XX/XXXX statement XX/XX/XXXX, showed I had over {$600.00} in the Escrow account, ending Fiscal year XX/XX/XXXX. Mortgage company, in XX/XX/XXXX, sent me a letter saying that my Escrow starting as of XX/XX/XXXX, would be below the minimum amount and that they would have to increase my monthly mortgage payment. This increase was {$20.00}. My XX/XX/XXXX showed I had over {$1100.00} in Escrow. My estimate by the ending of fiscal year XX/XX/XXXX will have an excess and they will owe me a refund.
I recieved bills from a collection agency onXX/XX/2018. I called them and tried to figure out where these bills were coming from they refused to tell me over the phone. A week later i found out that they are not licensed in the state of tennessee to collect the debt. And i habe also requested validation of the debt. I have not heard from them. I just want to see why and how they can collect a debt in a state that they are not licensed in when they have to be licensed and bonded in the state of TN according to TN CODE - TFDCPA 62-20-101 and 105 thru 127. The company is commonwealth financial systems.
Hello - I purchased my home XXXX, XXXX. The father of XXXX little boys passed away XXXX, XXXX and I got laid off in XXXX, XXXX. In XXXX, XXXX, I was asked to come back to work with a promotion so I did. I remarried in XXXX XXXX, XXXX, and my position was abolished due to XXXX budget cuts along with XXXX other XXXX employees XXXX, XXXX. After that, it was very difficult to find a job. It was like because I had worked for the XXXX I had a " XXXX '' following me around. I still kept applying for employment until I finally found a part time job in XXXX, XXXX. My husband started being mean, hateful, and abusive to my XXXX boys so I kicked him out and after I found out his was stealing money out of our bank account and purchasing larger expensive items behind my back I ended our marriage. At that time, he left me with {$200.00} for pay bills and feed XXXX children. He took all of our money out of the accounts and closed them. It was honestly the best decision of my life, because he did n't ruin my boys. But he was out to ruin me and " make my life XXXX so I would beg for him to come back '. He tried to fight in court to get custody of all XXXX of my children which did n't work because he had no XXXX rights to my XXXX sons. My daughter he did get shared parenting with her. In XXXX, XXXX, I found a job at XXXX where I could work full time and received benefits. Financially, I lost {$70000.00} after my divorce was said and done. I was going to use that money to pay off my house. Yes, I have struggled. Yes, I have been late on payments but I still made them in order to keep a roof over my kids head. I have n't stopped applying for jobs that make more money but I have n't gotten anywhere. I have had XXXX interviews and am praying I get XXXX of them. 
The problem I am having this year is that in XXXX, XXXX I mailed a four full payments ( {$2800.00} ) that I was behind on due to having to pay for my son 's graduation from high school. Chase bank rejected it and send them back saying I could n't send four separate checks. So I wrote one big check ( for the past due amount of {$2800.00} and I sent a separate check paying for XXXX for {$600.00} again a full payment of past due and for the current month as the bill showed ) and mailed it right back to them. Then in XXXX, XXXX they rejected that full payment and said I needed to send a cashier 's check. So I went up to the bank and got a cashier 's check in the amount of ( {$3400.00} which was a full payment and I would have been up-to-date with my payments thru XXXX, XXXX. XXXX XXXX, XXXX, I received my cashier 's check back in the mail saying they rejected it because XXXX, XXXX payment was now due. Then Chase bank started foreclosure proceedings the very next day. I contacted a HUD housing agency to help me and Chase rejected the modification which would of helped me a lot right now. They said my options are 1- quick sale, 2- pay in full up to date 8 months plus all of the legal fees, etc. or 3- let them foreclose. It 's XXXX and I need help. I do n't want to lose my house I need it for my children. Please help me.
A company by the name of XXXX XXXX has obtained my personal credit without my authorization twice in XXXX. They have obtained my credit on XXXX XXXX, XXXX and XXXX XXXX. Every time i have called them they said they had no clue who i was or do not have a application on me. They begin to tell me they will remove the inaccuracies of the hard inquiry on my credit but do nothing. This is fraudulent activity and i am requesting help to have this removed from my personal credit file with Transunion XXXX XXXX.
On XX/XX/2018 I filed a dispute with mainly XXXX  and XXXX XXXX disputing the student loan listed on my credit report. Originally, it was listed as Sallie Mae, then Sallie Mae was changed to Navient. Navient can not prove that I owe this money and I never took out a student loan with Navient. I therefore requested it be removed from my credit report. If they had been able to prove it, they would have taken me to court, which they havent. They have listed these loans as in default and are negatively affecting my credit rating. Im asking that mainly XXXX be investigated for fraudulently listing this on my credit report despite it all being heresay. 
Thank you
On XX/XX/2018 I notified Experian of a dispute involving two bankruptcies reporting on my credit report. I requested an investigation and verification of the information in the report. On XX/XX/2018 Experian submitted the results of their investigation and stated that the matter had been investigated and came back verified. They went on to state that the verification had been performed by a third party company. However, prior to initiating the dispute, I placed a security freeze on all information contained in my XXXX XXXX files. That security freeze became effective on XX/XX/2018. At the time of the investigation and verification, the security freeze was in place and prevented the verification of the public record which Experian claims to have verified. 
After receiving the verification from Experian, I contacted XXXX XXXX to inquire whether any request had been made for information in the XXXX XXXX files and if so, who were the recipients of the information. I was informed by XXXX XXXX that as long as the security freeze remained in effect, no information from my files could be dessiminated. Experian 's assertion that the public records were verified is dishonest.
I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as ofXX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
On XX/XX/XXXX I received a credit card statement from VISA SIGNATURE - BANK OF AMERICA. A card I never opened or authorized to be opened. 
On XX/XX/XXXX, I called their Customer Service telephone number ( listed on the statement ) XXXX to correct this information. I received a belligerent response and NO satisfaction to correct this fraudulent transaction.
Last year my friend and I found out that Discover offered a matching bonus ( Double cash back ) program for opening a new DISCOVER IT card. Previously I had DISCOVER MORE card and I called customer service to swap my MORE card to IT card, and I was promised that I was qualified to earn the double cash back after my first XXXX bill cycle payments. Now after one year, I did n't receive my matching bonus but my friend did ( my friend also swap from MORE card to IT card ). Therefore, I called discover customer service to ask about this. The supervisor said that they do n't have any evidence shows that I enrolled in this program and they do n't keep the phone call record from last year so that they can not do any thing about it. However, I believe this is not a enrollment required program at that time and I called customer service to ensure I can receive the rewards since I swapped from another card to new card.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX+ Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
On XX/XX/XXXX, and XX/XX/XXXX I referred two of my friends to open Amex XXXX Aspire cards for the promotion of Member Get Member Bonus XXXX points. It takes 2 months and I called Amex at least 5 times, they kept telling me I will receive points in following statements, but, I receive none of them.
On XX/XX/XXXX I wrote to all 3 credit bureaus and to the creditor directly, XXXX XXXX. The payment status and the comments line are incorrectly reporting a charge-off and an indication that the account was sold to another company.

On JXX/XX/XXXX I received a letter ( see attached ) indicating that my account was in fact sold and that XXXX no longer had any information on my account.

If XXXX  has no information on my account how can they do a legitimate investigation as to whether my account is correctly still shown by then as Charge-off.. ( see attached excerpt from my XX/XX/XXXX report showing that XXXX  is still showing inaccurate and unverifiable information.

I wanted to send a copy of this complaint also to the creditor XXXX but your form did not provide such an opportunity. See the attached letter previously mentioned for correct mailing address.
The Chase investment has incurred a fee every year for last 2 years and I was told that this fee is for keeping the account open every year in spite of the fact that my Chase account holds Chase mutual funds so it seems that Chase Bank is double-dipping where it is earning fees from my funds and charging me a separate fee to hold the account open. They claim it 's okay for them to assess fees in this manner.
I applied for a loan and was approved. After verifying my information and checking my credit etc. I was told on the phone that the process was complete and I should be receiving my money soon, I also received an email right after that indicating that the money was sent and should be in my account within a day or two. This was FridayXX/XX/XXXX.
By Tuesday XX/XX/XXXXI still had n't received the money and when I logged into my account there was no indication I had ever even applied for a loan, so I called their number to talk to someone to figure out what was going on since I was planning on having that money and it had n't shown up ... The phone call with the customer rep lasted about 30 seconds after which I was told there was no loan that was approved, they did n't know why I would have gotten that e-mail indicating funds were sent, and then she hung up on me. After looking into the company more I see this is a common occurring theme with them, they approve your loan ( while running your credit, collecting sensitive information, etc. ) and then completely ignore you when you follow up on it. At this point my checking account is now negative because I received confirmation that the loan funds were sent and they never showed. I would advise everyone to stay away from this company because you 'll only make your situation worse. To take advantage of people who are already facing financial hardship is appalling. I 'm also worried they will still take out the loan repayment now, because it seems like how they make their money is preying on people who ca n't afford to fight back. Attached are copies of the confirmation I was being sent funds and that it was finalized ( it literally says " they 're on the way '' ), the overdrafts in my checking account from bills scheduled I was planning on being able to pay ( and there will probably be more, because of them ), and the view of my account when I sign in showing absolutely nothing other than an " APPLY FOR A LOAN '' button.