WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to dispute the Chase credit card on my credit report. I never applied for any credit card.
i have been applying for income driven repayment for almost five years. the application is either lost or they claim they need additional info from me when i have sent it multiple times throughout differing means ( Postal sevice fax and email ). they are continuing to charge me interest and will not defer the loan when i have financial issues. They al ; lso ask for every piece of information to validate the account when they are not required to. I have spoken with 4 reps today two were supervisors and all refused to help even tho i have provided them with 3 pieces of personal information to authenticate the account. I just want an income driven repayment plan and to have my bill lowered please assist. as i am getting nowehre calling them
I have a Macy 's credit card. I paid off my balance on XXXX XXXX, 2016 and then was charged an interest payment on XXXX XXXX, 2016 XXXX {$2.00}. I tried to use my card on XXXX XXXX at a Macy 's store but was informed that my card did not work. This was embarrassing. I called and found out that my account had a balance of {$6.00}. I went online to view my account history and saw that I was being charged {$2.00} a month in interest on my XXXX balance account since XXXX. I sent in an email requesting that they remove the interest fees and asking why I was being charged interest if my balance was XXXX. As of XXXX XXXX, I now have a balance of {$8.00} on my account. Macys credit card is continuously charging interest on XXXX account balances and revoking customer privileges from using their card due to them trying to get more money from their customers. This is a form of UDAAP. because it is unfair for the company to charge customers fees on XXXX account balances.
I purchased a home in XX/XX/XXXX in XXXX, California, using an FHA mortgage, FirstCal as the lender, and XXXX XXXX as the appraiser. <P/>InXX/XX/XXXX, I was applying for a refi to simply shift to a conventional mortgage while rates were still low so I could lower my PMI. At the time of purchase, I did n't understand that the PMI on the FHA loan was for the life of the loan. I wanted a conventional loan prior to predicted increases in interest rates. During the process, I was notified by various banks ( XXXX, XXXX, and XXXX ) that the original appraisal appeared fraudulent and the lender backing of such an appraisal should have created red flags and concerns during the appraisal review. <P/>My home is a half-plex two bedroom/two bath home. The XXXX noted 2-3 bedroom ; however, it is clearly two bedroom - there is no den, but there is basically an enclosed porch surrounded by windows with no closet and a tile floor - not a bedroom. The original inspection noted 3 bedroom and only 3 bed comparables were used in the appraisal - no two bedroom equivalents. In addition, the original appraisal noted the square footage at 1538 sq ft whereas the actual square footage is 1495 sq ft, this difference at the cost per sq ft equals approximately a {$13000.00} increase in value compared to the correct square footage of 1495. The most recent refi attempt was halted due to it accurately being appraised as a two bedroom with 1495 sq ft and thus a lower value. XXXX County Accessor documents reveal a floor plan with 2 bedrooms and an addition of a 'sewing room ' ( built in XX/XX/XXXX ). The VP at FirstCal has verbally acknowledged to my father that it appears to be a 2 bedroom, but also noted that they have no responsibility as I am not a current client ( they sold my loan ) and that the appraisal matches tax records ( bedrooms - yes, square footage - no ). They did not review the provided material during the first loan process and at this time refuse to aid in resolution other than offering to refi at a higher than market interest rate. <P/>I 've attempted to work with FirstCal and XXXX XXXX. On XX/XX/XXXX the FirstCal compliance ( XXXX XXXX ) office noted in a letter that they would issue a ruling within 30 days. During those 30 days, I 've talked to a VP ( XXXX XXXX ) and the President ( XXXX XXXX ) of FirstCal. I 've never received a formal response as promised. Their approach was to refi the home at a higher than market interest rate and the VP assured me that the home would appraise as a 3 bed. This response also seemed fraudulent in nature as he is making assurances without seeing the property and after verbally acknowledging that the floor plan clearly shows a 2-bed home. The floor plans that they have seen from the county accesor clearly show 2-bed with an addition built 16 years ago that is classified a 'sewing room '.
I called and have disputed through online process, they verified it under false information provided by collection company. Have had to have it disputed several times. Sometime it does get removed, only to reappear at the end of the year. Same company, same bills different dates.
XX/XX/XXXX CAPIO PARTNERS LLC was made aware that accounts that their company held under my social security numbers were a result of identity theft and did not belong to me. Capio verified this account as mine however they do not belong to me. Capio did not send me a letter notifying me that this account was owed and was being reported to the credit agencies. Capio is continuing to report inaccurate information onto my credit file. Not only that how can Capio verify anything medical with a credit agency being that U have never signed HIPPA form authorizing CAPIO PARTNERS to have access to my patient information.
I attempted to trade on Coinbase and put in money when the introduced Bitcoin Cash. The market for Bitcoin Cash was much much higher than in other markets, but I figured that since there was a bid and an ask that I could day trade it. I bought about 40000 dollars worth of bitcoin cash. Within 2 minutes, the market was frozen and I could not get out at the prices that were shown as the bid and the ask. They took the market down for a day, and when it was brought back up, I was forced to get out at a much lower price. I tried calling them, and stayed on the line for over an hour but no person answered. 

This was a deceptive market, and I am looking to pursue any legal remedies I may have. Feel free to contact me for more information.
west lake financial I have on numerous occasions tried to have this debt removed off my credit reports from this company. It is showing that I have a total of XXXX balance on account. Please see what can be done so that the company removes this information on my report because it is negatively impacting my character they have wrote remarks on my report bad debt account and also charge off loss of profit I paid over 50 % of the loan company is fraud and needs to remove this information in reality they overcharged me the price of the car the average purchase for an XX/XX/XXXXXXXX XXXX is XXXX dollars any assistance that you can provide will be greatly appreciated
My account has been on autopay, withdrawing {$58.00} every month on the XXXX. On XXXX/XXXX/16 my bank account had a withdrawal of {$790.00}. I did not receive any notification that the amount would be increased. My loan servicer is Navient. 

Not only was this a major surprise, as I am on an income contingent repayment plan, but this happened 2 days before XXXX ... leaving me no way of contacting my bank to dispute the charge or Navient because they are closed for the holiday until the XXXX. Luckily I had the money in my account, but it left me with {$1.00} to survive on for two weeks until my next paycheck comes in.
When requesting my credit score from XXXX, I made it through the XXXX and XXXX reports fine using my PII, but when I answered the system-generated questions from Equifax, I was provided with a different person 's credit report. This includes the other person 's name, address ( current and previous ), credit history, last 4 of  social security number. I am unable to access my actual Equifax report on XXXX since the site appears to consider my once-every-12-month request fulfilled, though I still do not have *my* report from Equifax. 

I am concerned that the Equifax credit request site allows unintentional distribution of someone else 's information, and that there are no systematic checks in place to ensure this does not happen. I submitted a complaint through XXXX, but in order to submit a dispute/indicate that I am concerned about fraud/incorrect reporting, I am required by Equifax to enter a significant amount of personal information. Considering Equifax 's recent history with data breaches - and apparent ongoing inability to restrict access to an individual 's data - I will not be entering any information in that web portal. See attachment for a screenshot of the Equifax page to submit a dispute, requiring Date of Birth, full Social Security Number, Name, current address, and email address.
Incorrect information is still showing on my credit report that I received today when I went to buy a car. 1 ) I had a car loan through XXXX XXXX XXXX XXXX in XX/XX/XXXX. The car payment were made and paid in full as was agreed to under the terms and condition. After car full payment which was in XX/XX/XXXX, The loan lender ( XXXX XXXX XXXX XXXX ) released the car title to me acknowledging all payment made in full. This car was never repossesed or taken to creditors. I paid the car as was agreed to with interest as was agreed under the terms and conditions. XXXX is incorrectly reporting / in my credit report that this was sent to creditors and states that payment was never made in full. How did the bank give me the title for the car in XX/XX/XXXX if the car was never paid in full? I logged complaint back in XX/XX/XXXX with XXXX, XXXX and Transunion yet the incorrect information is still being reported. <P/>2 ) XXXX is reporting an address that I have never lived in on my credit report : an address that i do n't even know who lives in, an address that I have never been in, do n't even know the location and yet that address being stated on my credit report, never lived there, do n't know anybody that lives in that address, never been on that address not once. i am willing to testify on this in court and under oath
Complaint : Nationstar Loan Modification Application Process Loan Number : XXXX Ref : Response to my CFPB complaint # XXXX, Nationstar reply from XX/XX/2016, XXXX XXXX, Customer Relations Specialist, Nationstar Mortgage , LLC, XXXX, Texas In your reply from XX/XX/2016, you are stating : 1. Lack of Response What do I need to know? We looked into the concern you expressed and after an investigation, we are sharing with you what we found. 

Under 1. Lack of Response you replied : In your inquiry you stated you sent emails to the assigned Single Point of Contact ( SPOC ) XXXX XXXX but received no reply. You also stated you received phone calls but they did mention any subject, topic or other information. At this time we have reviewed the attached emails provided in your inquiry. Please understand that your SPOC are not able to communicate via email, as she is only allowed to communicate by phone or written correspondence. 

I am assuming that my confusion lays within this and the next paragraph from Nationstar 's letter/response. 
1. In my conversation with XXXX XXXX ( correct spelling is XXXX not XXXX is in Nationstar 's letter ) and follow up E-mail from XX/XX/2016 ( see attached ) XXXX did mention that I should contact her via E-mail, that communications via E-mail would speed up the application process. 
2. Also, I did follow up on XX/XX/XXXX, after my call, and sent XXXX an E-mail. 
3. XXXX XXXX replied to my E-mail and sent the forms for the loan modification application. 
4. Same for submitting the loan modification application and all documents on XX/XX/2016. 
5. Please see all E-mail communications sent from me to XXXX XXXX and XXXX XXXX 's replies attached. 

My confusion again is why you are stating that the SPOC, XXXX XXXX, is " only allowed to communicate by phone or written correspondence '' when she clearly is communicating with me via E-mail. 

As you are stating in your reply to my complaint submitted on XX/XX/XXXX, you were hoping that your reply will alleviate my concern. I guess my questions are that if you are hoping for that and you have investigated this, and your goal is to provide exceptional customer service, why do I still have questions about your reply? If the SPOC, XXXX XXXX is indeed not allowed to communicate via E-mail, why did I receive E-mails from her? 

Why are Nationstar 's tactics so deceptive and not clear? I have tried to communicate with Nationstar to the very best of my knowledge and in timely manners throughout this process. Nationstar has clearly and continuously not.
I have a 30 day late payment on XX/XX/2018 in my credit file The information is incorrect.
I have disputed this information with Equifax and with XXXX XXXX. XXXX XXXX and Equifax has refused to validate that this account is mine. I demand that during this investigation it be deleted from any and all my credit reports. Equifax claims that this information is being reported correctly and has refused to provide me with full details of their investigation. As for XXXX XXXX they have refused to delete this from my credit report as well but has not validated that this account is even mine. I have requested VALIDATION OF THIS ACCOUNT and proof of payment history to show the so called balance owed along with proof of payments that were posted to the account I also requested this information. As of today I have not received this from either XXXX XXXX and or Equifax. I demand that they send me proof that this is my account and that the amount and the information is correct along with complete payment and statement history from day one and the signed contract showing I owned this vehicle as I do not recall ever having an account with XXXX XXXX.
Experian has inserted a phone number, into the credit report they maintain on me, from those committing fraud and stealing my identity to take out a credit card in my name. They apparently attained the number from XXXX XXXX, the company issuing the fraudulent credit card in my name. I have been the victim of ID theft four times in the last XXXX years, with the last XXXX occurring when I had a freeze on my credit. However, the thieves have gotten credit cards from XXXX XXXX each time anyway, using my credit with Experian and XXXX as well. Now they have allowed the thieves to insert their telephone number in my credit file. Additionally, Experian has mysteriously lowered my credit score XXXX points, for no apparent reason when there has been no negative reports or activity. Please investigate to get Experian to stop being part of the fraudlent activity.
I received a letter from the XXXX XXXX XXXX about a claim debt that was paid by State Farm insurance who filed a claim on my behalf for an accident that happen on XX/XX/17. Nevertheless, State Farm is disputing they are responsible for the claim. However, payment was issued for property damage. I submitted a complaint dealing this previously. However, I have seen that this issue has been escalated. Now, XXXX sent me the same balance that State Farm is responsible for my claim. I am not responsible for this balance because payment was made to XXXX  from subrogation of State Farm. The damages handle between the two parties was based of the information submitted by me to XXXX
yes i have a car loan out with ally.on my credit reports does not show im makng on time car payments??? like too know whynot???? should show on XXXX reports
I use to think they credit bureaus at least followed the the laws set by the fair credit reporting act, but I guess not. No one can be that negligent, to forget to remove the XXXX XXXX XXXX Account. I think is illegal actively, as many times as Equifax does this to me. I have to watch my credit report like a hawk, because they make mistake after mistake or is it a mistake. I hope I do n't have to go through another 45 day investigation again, they should just look at my evidence and realize it was a " mistake ''.
I was notified by XXXX XXXX XXXX, XXXX. of a debt of {$1700.00} forwarded to their office for collections by XXXX XXXX XXXX for collection of debt. The referenced debt is for professional medical fees generated by an emergency admit ( dos XX/XX/2014 ) to XXXX XXXX XXXX which is a VA approved medical facility. All entities was billed and processed for payment except it seems for the original provider XXXX XXXX XXXX XXXX. The claim was resubmitted to XXXX XXXX XXXX XXXX. and processed for payment. Attached are the explanation of benefits and a letter from the Veterans Administration informing the various entities that the payment received represents payment on full for services rendered. I am a XXXX XXXX veteran listed as 100 % XXXX and as such I do not generate any patient financial responsibility for claims generated by any VA facility.
I moved out of an apartment XXXX on XX/XX/XXXX. XX/XX/XXXX I received phone calls from Ideal Collection Agency for {$930.00}, that the leasing company was charging me for damages to the apartment. Prior to this I had not received a notice or call from the leasing company regarding the charges. They claimed that they sent a certified letter to the address on file. However, I never received the letter, and even have an email proving that I updated my new mailing address within 30 days after moving. According to Florida statute XXXX, the leasing company has 30 days to send me a certified notice of any charges or forfeits their rights to them. I never received this notice. 
I sent Ideal Collections a certified letter explaining that the company forfeited their right according to the Florida statute XXXX, and that according to the Fair Debt Collections Practice Act they must acquire proof of the damages as well as proof of the certified letter receipt. No such evidence was produced because I did not receive the letter to sign for it. 
Instead the Ideal Collections company sent me a copy of the bill from the leasing company with the end of the required notice missing from the page. I would not know how to respond based on their bill. 
The Ideal Collections company is trying to acquire funds that the leasing company is not entitled to. They did not submit the certified letter to me within the 30 days, and never notified me otherwise of this debt.
I received a mail offer from Personify. I went to their website to see available offers. At each step, their website indicated that I could check my offers without impacting my score. However, there is now a hard inquiry on my credit report. I called the customer service center to get the hard inquiry removed and was told by agent XXXX XXXX that the inquiry would not be removed.
Somehow my credit card number was stolen and fraudulent charges appeared on my statement. I contacted Chase to report the fraud, they " investigated '' and sent me a letter stating that I " received value '' from the charges and they denied my fraud claim. I called them back and asked for the proof because I certainly did not make the charges, authorize the charges, or receive anything. They sent me the response from the vendor, XXXX, that shows they shipped four ( 4 ) snow blowers to XXXX Florida and it was signed for by " XXXX ''. My name is not XXXX, I do not live in XXXX and I certainly have no reason to buy four identical snow blowers. I live in Florida ( XXXX, FL ), and it doesn't snow here ... 

This is clearly fraud, but Chase will not refund my money. The Chase account number in question is XXXX XXXX XXXX XXXX. The three charges were placed on XX/XX/XXXX ( {$270.00} ),  XX/XX/XXXX ( {$270.00} ) and XX/XX/XXXX ( {$540.00} ). 

Can you help me?
THE XXXX = XXXX, has reported to credit bureau that I owe them {$12000.00}. I was never informed of this alleged debt, and neither was I told that XXXX was reporting a debt to credit bureau. XXXX is payee for Social Security pension and Trustee for federal VA health benefit, and bth of these income sources go directly to XXXX on amontjly basis. When I left XXXX long term facilities on XXXX XXXX, XXXX, I had no outstanding debt except for each upcoming month of care at the XXXX RETSIL facility. I havve received periodic accountings of income received from XXXX and how the funds were disbursed, At no time was there any indication of any arrears after my departure of XXXX XXXX, XXXX. XXXX in conjunction with another party, filed a Guardianship petition during summer of XXXX, and among other allegations by XXXX is that I owed an unspecified amount to XXXX. I questioned this allegation through email with XXXX and I was not provided any documention to verify their contention. I hhave recently been denied for a mortgage loan and also a property management company has refused to rent me an apartment ; both of these have giVen a credit reporting without specification, though i suspect the XXXX report of my owing them {$12000.00} plays a prominent role in the denials. 

I 'M XXXX, IN A XXXX, XXXX, VETERAN AND XXXX. 

I REQUEST YOUR KIND ASSISTANCE.
I tried several times to start a plan to pay the student loans with Navien, I filled a form which they were supposed to send my husband so he could sign. He never received. I called them because I needed more information about the repayment options, they were unable to give me further explanation about the plans. They said I had to read and choose one of the plans that are listed in the website. I asked them for information in XXXX, they dont have information so I was not able to make a decision. I have not started paying the loans and Im receiving so many calls during the day co collect debt. Thanks.
I moved XXXX XX/XX/XXXX. I did not file a XXXX State Tax Return XX/XX/XXXX as it was not necessary, however XXXX assumed I was still a resident and erroneously assessed taxes and supposedly mailed a notice to my former address which I never received. XX/XX/XXXX I moved back XXXX, and after working for a few months, my employer received an earnings withholdings order to satisfy the lien. This was the first time I had become aware of the lien. I contacted XXXX and was informed the lien was for tax calculated for XX/XX/XXXX tax year. I informed them that I moved XXXX that year. They instructed me to file a XXXX XXXX tax return, which showed I had zero state tax liability for the year. They then released the lien, which is reflected on my credit report, however I have been unable to have the public record removed. The lien was filed in error, and the tax was never due, and has since been corrected in the XXXX XXXX system, yet it still appears on my credit report with XXXX Equifax. I am requesting to have the public record of the lien removed.
I have been making automatic payments on my auto loan with TD Auto Finance since I purchased my vehicle last year. My payments have always been on time and in full. 
The bank account from which automatic payments are drawn was compromised, so I had to change bank account numbers. 

I disenrolled in automatic payments prior to my XXXX 2017 automatic payment and instead made a one-time electronic payment for my usual amount of {$300.00} on XXXX/XXXX/2017, my usual payment due date. The payment was incorrectly applied to " principal only '' and not to the actual payment due. I have been assessed a late fee of {$15.00}. 

I do n't know why my payment was applied to " principal only, '' but that was not my intention. 

I asked that the payment I made on XXXX/XXXX/2017 be applied correctly and that the late fee be removed from my account. The customer service representative explained he could make the request to change the application of my payment and to waive the fee, but he was uncertain as to whether or not this could be done. He refused to give me the contact information of the people who would actually make the decision. 

I have attached two documents : 1. my bank statement showing an electronic withdrawal of {$300.00} posted on XXXX/XXXX/17 2. my TD Auto Finance statement showing the correct payment on the correct date incorrectly applied to " principal only '' and not to " payment ''
The original loan was for {$500.00}. It has since almost doubled due to interest.