WillisBack/dataset-financial-user-claim huggingface dataset:
HAD A LOAN FROM XXXX XXXX XXXX, IN XXXX FELL INTO HARD TIMES EXPLAINED TO THE MERCHANT AND THEY SAID OK AND STARTED A PAYMENT PLAN WHICH 1ST PAYMENT WAS DUE ON XX/XX/XXXX MADE THAT PAYMENT ANOTHER PAYMENT ON XX/XX/XXXX AND SO ON SO ON UNTIL ACCOUNT PAID OFF WELL END OF XXXX MERCHANT CHARGED ACCOUNT DIFFERENT AMOUNT REMIND YOU WE MADE PAYMENTS BY OTHER MEANS WHICH MERCHAT PRODUCED TO THE BANK ARVEST BANK COPIES OF THE RECEIPTS OF FORM OF SEPERATE PAYMENT NOT WITH CHECKING ACCOUNT OR DEBIT ACCOUNT THAT THE LOAN WAS MADE WITH. WHEN MERCHANT ACCEPTED OTHER FORMS OF PAYMENT PER OUR AGREEMENT IT VOIDED OUR ORIGINAL CONTRACT FOR THEM TO TAKE FROM MY ACCOUNT I INFORMED THEM NOT TO TAKE IT FROM MY ACCOUNT AND THEY DID ANYWAY AT THE END OF XXXX.MERCHANT EVEN LEFT VM ABOUT PROMISE TO PAY WHICH I WENT TO BANK SO ARVEST CAN HER THE COMPANY SAYING THAT.SPOKE WITH MANAGER AT MERCHANT AND SHE STD SHE WAS NOT AT WORK THE DAY THEY RAN THRU MY ACCOUNT AND CANT REVERSE IT STATED THAT IT WENT THRU AND ITS NOTHING THEY CAN DO ABOUT IT. DISPUTED IT WITH ARVEST AND THEY DENIED IT AND ITS WRONG BECAUSE I REVOKED AUTH FROM USE OF MY CHECKING ACCOUNT AND SETUP PAY ARRANGEMENTS AND MERCHANT WAS ACCEPTING DIFFERENT FORMS OF PAYMENT
InXX/XX/XXXX, we took out a Home Equity loan with Santander bank. They offer an introductory rate of 2.24 for XXXX  months. Our intent was to pay down as much of our HELOC during the XXXX months, the account was setup to automatically take out the minimum payment. Which we were fine with to ensure we do n't miss any payments, we tried multiple times to pay additional funds towards principal online and could not figure out the system on the HELOC page there is no place to make a payment or set up additional principal payments. We first contacted the branch they sent us to customer we had to make XXXX calls to customer service in the span of a few months before someone told us the only way to make a payment was to actually transfer money from our checking into the HELOC account. I can not make payments from other accounts, nor can I set this up to pay more than just the minimum. As a consumer I am upset that this feels like they are making it difficult for me to pay down the principal during a promotional rate. The amount of people and phone calls I had to make to figure out the piece about transferring the funds was unbelievable most people would 've just stopped as they made it very difficult to get an answer. When I contacted I told them I would not get off the phone until they could tell me how to make additional payments I had to tell them that this should be illegal, finally the customer service rep had to contact a few departments to get the answer about transferring funds. 

I normally do not contact agencies like this to make complaints but I believe this should be investigated, if they are doing this to me - I consider myself a fairly knowledgeable person with lots of computer experience I ca n't imagine what has happened to others. 

Thank you.
I just want to dispute these three HARD INQUIRIES Hard Inquiries : 1- XXXX XXXX., XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

2- XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

3- XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
I 've disputed this public record account with Transunions 3 times certified in which I requested validation of proof, of this public record account. On XXXX/XXXX/2016 XXXX/XXXX/2016 XXXX/XXXX/2016 transunion constantly sends me a credit report that states " verified '' attached is the letter requesting validation of proof 3 times. I mailed each letter certified each time I receive a credit report that states " no change verified ''. I 'M requesting validation of proof on letterhead of the person that verified this public record. NOT a credit report stating " NO CHANGE VERIFIED. I attached a letter from the federal courts showing they did not verify this account transunion is the only credit bureau giving me a hard time to delete this account. The account number with transunion for this dispute is XXXX
Paypal XXXX XXXX has continued to call my workplace and harass me AFTER I have specifically told them to DO NOT CALL MY EMPLOYEE ever again! Our receptionist is also a witness that they continue to call and this needs to stop. It is very disruptive to my job and against our company policy!
On XX/XX/2018 I helped a friend purchase a french bulldog. The seller insisted on using XXXX but my friend couldn't get the money to go through. I offered to use mine through my bank. Collected her money, added the sellers email, who was quickly acknowledged through XXXX. I sent payment and in memo put what and who it was for. The puppy was to arrive today but when the currier called to tell them they needed {$600.00} XXXX giftcard for a proper cage and the buyer was contacted phone was turned off and buyer no longer able to be reached. I called my bank and tried to get them to do something they said nothing could be done. I contacted XXXX 's XXXX # but they said if done using the bank you have to settle issue with the bank. If my bank is going to support a company and not insure the money or protect against fraud like they would do with any other way of me paying for something then they need to help investigate this incident like they would everything else! The person should no longer be allowed to use XXXX pay they need the bank that is allowing them to use XXXX pay to know these people are criminals. I studied for my investment license recently and this seems like something that should not be allowed to go on through our prestigious banking system. I bank with JPMorgan Chase. This is outrageous that nothing is being done by my bank!
Several of the issue choices above apply to this complaint. I received a debt collection letter from Wilbur & Associates, dated XXXX/XXXX/XXXX stating their client had compensated it 's insured for a loss, etc. etc. etc. ( A copy of which is attached ) & stated that they wanted to settle things with me in an amicable fashion & my cooperation was required to REACH a complete resolution so I needed to make a check payable to XXXX in the amount of {$3700.00} & mail it to them XXXX Wilbur & Associates ). 
Then approximately 1 week later, roughly around XXXX XXXX or XXXX XXXX, I received a telephone call from a XXXX representative while I was at work & the person I spoke with kept trying to get me to admit & commit to paying this {$3700.00} & when I kept telling him I did n't know what he was talking about he started threatening me with having my license suspended, and how he was going to enjoy me having to crawl back to him in order to get my license back if I continued to refuse to pay this debt. I finally became so angry that I hung up on him and decided to seek out legal help to write a letter to this Wilbur and Associates, demanding that they validate the debt and that they nor their client XXXX, initiate any further contact with me other than through writing. 
This letter was then mailed out to them, with return receipt requested ( a copy of which is also attached ). 
Wilbur and Associates failed to validate the debt as described by the FDCPA and provide me the correct documentation I requested within the allotted time, therefore making this claim voided & closed. 
On XXXX/XXXX/XXXX, I received a letter from Wilbur & Associates ( a copy of it & it 's content is attatched ). It was at this time I had decided to file a complaint and before I could do so I have received yet another letter, dated XXXX/XXXX/XXXX, this one being from XXXX, demanding payment in the amount of {$3700.00} for their client XXXX. ( a copy of which is attached )
Bank of America reported me 30 days late on my home equity loan on XXXX/XXXX/2015. 
I no longer receive statements from them as they wanted to go paperless and rely on the information on the on-line payments section which as of today XXXX/XXXX/2015 tells me that my next payment is due XXXX/XXXX/2015. No mention of a past due ... .no contact from anyone regarding a past due. The old format of the on line payment page would disclose that information. 

I want this 30 day removed from my credit report at all all XXXX bureaus.
XXXX XXXX XXXX Card # XXXX ending in XXXX and XXXX have been reporting on my file as Charged Off. I have XXXX. XXXX of XXXX XXXX court in GA 's judgment where it clearly shows, I, XXXX XXXX, is not party to these cards. They are company cards and company settled the cards with XXXX in official court settlement. I have sent XXXX XXXX Court Order and Settlement Agreements of Company with XXXX to all XXXX agencies, namely Transunion but they fail to delete these cards stating that XXXX on settlement is not reporting however the account ending in XXXX is in fact ending in XXXX and XXXX is reporting it improperly or credit agency does not care. This is my XXXX or XXXX time disputing this as its clearly effecting my credit history and my ability to survive financially. Upon various requests in writing, credit agency failed to even explain how they are verifying this info. Other than these XXXX derogatory information, my credit report has been spotless.
TransUnion has incorrect and outdated information on my credit report such as : past addresses, work history, credit accounts opened if my name fraudulently, and is allowing 3rd party lenders who view my report and send me offers even after I 've called the XXXX number and opted out.
I have a public record & child support entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy/ child support is mine.
The XXXX cadillac was wrecked XXXX/XXXX/XXXX. Ally was notified on XXXX/XXXX/XXXX that the car was total loss by XXXX insurance. At that time the insurance company requested the necessary documentation for the title. I completed my POA and returned to XXXX before XXXX/XXXX/XXXX. On XXXX, I received a call from Ally 's collections department. I advised the rep of situation and stated the check should be sent to pay off the debt. I called XXXX on XXXX, they stated all the documents had not been received and that Ally is known to send half of the information however the rep stated would request again. I received another call from collections and advised them again that this was to be taken care ... long story short - I have been on the phone with Ally and XXXX for several hours each week to get resolution. Finally on XXXX a check was over night to Ally. I get collection call on XXXX from Ally, I ask why are you calling a check was sent and signed by XXXX XXXX on XXXX at XXXX. Of course no body knows! Then I am finally told it takes 2 to 3 business to post payment. Ally 's customer service is horrible and this should not reflect by credit history negatively. I should not have to spend hours on the phone regarding paper needed to pay off a loan. This type of procedure should be common procedure that loan companies and insurances deal with all the time, but ever one just wants to point the finger at the other.
XX/XX/XXXX I found out that the second portion of my property tax had not been paid. My lender XXXX XXXX XXXX has been using a third-party called CoreLogic. This third-party is responsible for the payment of the property tax. Since XX/XX/XXXX I have notified XXXX XXXX that there was a problem. I was continually told that the property tax was paid just to find out through my refi lender and through the county that the money was not received. A couple months ago I called XXXX XXXX again XXXX have XXXX way conversation with County about the amount of property tax that was due. After a thorough conversation of the amount that was owed CoreLogic did not pay XXXX XXXX in XXXX which added on another late fee. XXXX XXXX told me that CoreLogic had said they contacted County and the property tax was paid an up-to-date. I was finally able to reach an agent with CoreLogic and let her know what was happening. She told me to send her the message from County that there was still money due. The whole while XXXX XXXX is telling me that CoreLogic is saying that they do n't know anything and that I needed to pay the remainder amount of {$250.00} because it was not part of the property tax. Between XXXX XXXX and CoreLogic it has been over 6 months that I have not been able to refi my home and my phone has been up for grabs for the bank to put a lien on it. CoreLogic has been irresponsible in its dealings and has not make sure that the money being sent to county is the proper amount. They have kept me going around and around in a circle calling and having be on the phone for many hours trying to figure out what the problem is. I have a recording of my conversation with a XXXX XXXX agent who said that CoreLogic was saying the property tax was paid in full. I was told that I would have to send them a bill showing that the {$250.00} was from property tax which they knew it was from. I am demanding financial compensation from CoreLogic for the ridiculous hassle and worry they have caused me for over 6 months going back and forth trying to get this situation resolved and the whole time I could n't refinance which cost me money. They are a huge part of the problem along with XXXX XXXX who I am also seeking compensation from. If this is not settled I will be taking CoreLogic to small claims court and bringing along my recordings. I am asking for a {$2000.00} settlement.
I am filing this just to be on record. I recently switched from XXXX to XXXX XXXX XXXX. The reason was that XXXX coverage in my home office became very weak resulting in dropped calls and missed calls. After XXXX tech support failed to improve my signal, I indicated to them that I will switch to XXXX XXXX XXXX as coverage in my home office is critical for my business. After I thought this was agreed on, XXXX kept sending me termination fee bills. I called several times and again thought this was resolved, but then they turned it over to Convergent, a debt collection company. 

I contacted Convergent but they insisted on collecting and would n't provide escalation paths. So, I sent them a certified letter and indicated to them that I will file this with CFPB for record keeping purposes, and that is why I am doing so. 

The main concern is their lack of communication and simply insisting on collecting the termination fee without listening to my side. I am attaching a copy of the certified letter I sent.
Received letter from Allied International Credit Corp ( US ) claiming they were collecting debt on behalf of original creditor ( XXXX ) in the amount of {$28.00}. 

I've sent a copy of their letter to XXXX ... XXXX knows of no such debt that I owe them. 

I generally buy ( only ) on XXXX using my XXXX account ... have not bought from XXXX on over a year and never this amount. This is not my transaction. Period.
There was a massive data breach with Equifax, and I checked their site and I was told that my personal data may have been compromised. 

I 'm unsure of the date of the breach, but I first became aware of it on Friday, XXXX XXXX 2017. 

I placed a 90 day fraud detection alert on my account with the three major companies. I also got a free credit report from XXXX. Filing this complaint is the last step I plan to take at the moment.
My late husband open this account without my knowledge. He was XXXX and killed by police because of his XXXX, leaving me in debt and unable to pay his debts. I 've already had a voluntary repossession of my car. I will have to file Chapter XXXX bankruptcy is this debt is pursued.
I received some amount on my PayPal account. At first they claimed that money was fraudlent activity so they requested that I provide a copy of the utility bills, telephone number, bank statements, and source of the funds so that they could validate my account. They have declined to read and to read the information which I provided. They have closed my account and claimed that the case can not be appealed. The sender has sent an email to them explaining the purpose of the transaction but they have not changed their decision.
Follow up response to Consumer Financial Protection Bureau Compaint ID # XXXX and XXXX. 
Chase was negligent in NOT properly verifying 3 fraudulent call claims and negligently deposited {$2800.00} in my daughter 's account. She reported she had NOT made these calls and that they WERE FRAUD. Her account and she were a victim of THEFT as her card was STOLEN and USED FRAUDULENTLY and WITHOUT ANY AUTHORIZATION from account owner. CHASE is responsible for this entire incident. Chase personnel were negligent and it even appears a Chase employee was apparently involved. CHASE responds the same language " we confirmed the caller was properly authenticated '' .. CHASE does NOT provide ANY PROOF. That is a lame response. I want voice recordings, how did CHASE " confirm '' if you do not have a voice recorded conversation. We filed police reports as this was A THEFT and FRAUD incident. Chase is just sweeping the issue under the rug and making us responsible for their own negligence. Depositing on 3 repeated occasions funds into an account WITHOUT APPROPRIATELY VERIFYING. YOU SHOULD HAVE IMMEDIATELY CALLED THE ACCOUNT HOLDER. ESPECIALLY AFTER THREE FRAUDULENT CALLS THAT A DEPOSIT WAS MADE AND FUNDS WERE NOT REFLECTED. REALLY, THREE TIMES!!! AND CHASE DOES NOT CALL????? 

NEXT, MY DAUGHTER WAS NEVER ON MY OWN ACCOUNT from which you removed funds to cover the overdraft caused by Chase negligence. How can you take funds from someone else 's account to cover the shortage when she is NOT listed on this account. ALSO, I AM NOT LISTED ON THE STATEMENTS. CHASE personnel would NOT SPEAK TO ME WITHOUT my Daughter 's authorization on this issue on HER ACCOUNT. CHASE WRONGFULLY removed funds from my account. CHASE owe 's me {$2800.00} that they incorrectly and unjustly took from my account to cover their OWN ERROR and NEGLIGENCE!!! If anything I was a custodial guardian on the account until she was XXXX. After which the account became hers and all statements sent were addressed ONLY to HER NAME. MY STATEMENTS were addressed SOLELY TO MY NAME!!!! 
CHASE needs to provide the voice recording of the caller. PROVIDE PROOF of how they can CONFIRM they AUTHENTICATED the THIEFS who called. Chase responses are very vague and are only trying to get away with having their customers pay for THEIR OWN PERSONNEL 's BLATANT ERRORS and NEGLIGENCE!! CHASE assisted a THIEF to commit a fraudulent crime with a debit card because THEY DID NOT Properly identify a caller. What bank in their right mind deposits {$2800.00} to an account just because someone calls in to claim their deposit was not reflected???? 
Chase is NOT owning up to their negligence and putting the burden of proof and burden of loss of funds on the part of their customer who was a victim of theft and fraud!!!!!
From XX/XX/XXXX to XX/XX/XXXX foster and garbus garnished my check bi weekly each pay period by 100 or  more dollars.
The inquirer name is XXXX XXXX XXXX. the date it happened was XX/XX/2017. It was reported to XXXX and ChexSystems. I disputed it with ChexSystems and they refuse to removed it.
I 'm currently being charged off for the amount of {$360.00} by the XXXX XXXX XXXX. This represents the tuition for a XXXX course at XXXX XXXX  University I registered for in 2015. This charge was was a result of an error made on my FAFSA application, and that error was resolved during the second week of the fall semester and my tuition was paid in full by FAFSA. There is very little the school seems to be able to do at this point simply because the account has been makes by collections.
I just received the results of a dispute I had put in with experian credit reporting agency. The most recent report number is XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX ... ..XXXX ... ..and tXXXX XXXX XXXX XXXX do not belong on my credit report. I have uploaded proof that XXXX had done there investigation and it was confirmed to remove these accounts off my credit report. However experian I feel is not doing a proper investigation because they would have received the same information to remove these account that do not belong on there off my experian credit report. Having this wrong information reporting on my experian credit report is causing me a hardship. I have been disputing these accounts for over 6 months now and experian will not remove them. I am submitting this complaint about experian because they are not correcting and deleting these accounts off my credit report. I also tried to re-dispute these accounts again online and experian will not allow me to do so. This is my right to have correct information reporting on my credit report.
I 'm XXXX XXXX, Ive been trying to solve this problem going on a year now, since ive filed Bankruptcy XXXX and nothing is cleared off my credit, I filed Chapter XXXX and it was discharge, nothing has been remove from my Credit File, all XXXX Credit Bureau keep transferring my Information to each other,, and I also request that Fraud be remove from my Credit file and it has no happened, I 'm filing this complaint because I 'm getting the run around