WillisBack/dataset-financial-user-claim huggingface dataset:
Since I turned XXXX this year XX/XX/XXXX, my broker advised that I was required to start taking my disbursements from my XXXX IRA as required by law. and that I could have the funds deposited into my JP Morgan Chase checking account around XX/XX/XXXX. the  amount of {$1000.00}. My broker arranged the transfer of funds from XXXX to JP Morgan Chase. 

Here are the following events thereafter : After returning the paper work, I was unaware that the transfer of funds had gone through ; In XX/XX/XXXX, l followed up with my broker only to find out that the money was going into a Chase account # XXXX. My checking account number is XXXX. the ( XXXX ) was omitted when I completed the form as the ( XXXX with a bullit below the XXXX did n't look like a number ( XXXX ). I was later told the funny way the " XXXX '' is written is to separate the numbers in the computer. 
At that time, l followed up with my broker and found out that the money was going into a Chase account # XXXX. My checking account number is XXXX. the ( XXXX ) was omitted when I completed the form as it did n't look like a number ( XXXX ). since there was a large bullet under the XXXX ; I was later told the funny way the " XXXX '' is written is to separate the numbers in the computer. 

I have visited more than a dozen Chases ' office and after having them make me call their various department which I could have been holding to the most 4 hours and have been advised to go back to XXXX and have them recall the funds from Chase ; each time I told my broker that ; XXXX was unsuccessful in getting them to recall the money ; they recall one month ; the month of XX/XX/XXXX but have not recall the other months : I do n't know what to do I get the runaround from Chase after having left on hold for almost an hour each time. 

I feel that my account has been handled poorly not professionally for the following reasons : The matter at hand is very crucial to me.. I rely on my monthly IRA disbursements to meet my monthly budget The item has been going on since XX/XX/XXXX and it is almost XX/XX/XXXX. 
There has been conflicting information regarding whether the disbursement transfer was accurately delivered. 
With the numerous financial institutions hacking, Chase, XXXX, XXXX, numerous and with so many security measures undertaken to detect fraud. That there were no security measures on my disbursement is negligible If the disbursement information, my name, my routing number and an account with the first number missing was verified by Chase this would not have happened. 

Enclosed are the following information between XXXX and Chase for the return of my funds : Emails are enclosed as follows : XX/XX/XXXX chase acepted only 1 disupte (  XX/XX/XXXX {$1000.00} ) the other disputes were denied by Chase with no reason given XX/XX/XXXX email from XXXX regarding stating that Chase was blaming XXXX that they did not do the recall properly XX/XX/XXXX email Chase advising XXXX that their policy is not to match EFT connections by namei XX/XX/XXXX ; Chase is saying that the funds will not be returned ; because of non sufficient funds in the client account ; case is now closed
I have 2 address added to my account that are not mine and they are, XXXX XXXX XXXX, XXXX XXXX Ny XXXX and XXXX XXXX  XXXX XXXX, XXXX ny XXXX. 
I also have credit cards and website information that are not mine as well like : XXXX 2x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Those are all on XXXX. 

And On Transunion is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   2x XXXX XXXX
Several problems : Bank of America dropped my grandson 's authorization to use all of my XXXX credit cards and also cancelled the auto payment out of my checking account with no explanation. They denied the use of the cards on several important occasions for no reason. They issued new cards with new numbers for their security not mine. They issued a XXXX card that I never applied for just like XXXX XXXX did to some of its customers. They denied changes when my husband recently died although everything was in joint names and legally either party could do everything to the accounts. They treat me like a new customer after banking with them for over 58 years. They keep making changes to many of my transactions with them without any permission on my part. Their records conflict and when I point out that I have a document from them that shows something different it does not seem to matter. 
Thank you for looking into this matter.
XXXX XXXX XXXX XXXX has repeatedly reported erroneous information to Equifax about the date of credit card closure and credit limit. However, upon disputing the information with Equifax on different occasions, I have gotten multiple different answers. Different information about the dates of account closure and amount of the credit limit have been reported to the XXXX major credit bureau 's, and it is unlikely the correct information exists at this point. Therefore, I ask that Equifax remove the closed XXXX credit card account from my credit file immediately.
An application for short sale was submitted on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I acalled Ditech and spoke with XXXX at Extension # XXXX. I was told the customer was being moved formally into Short Sale Review, a  representative will be assigned and a BPO is being ordered. He said we should follow back up in one week with them. On XXXX XXXX, XXXX, I called XXXX x XXXX, to check the status of the short sale application. He asked me for the borrowers " title '' and I told him it 's " XXXX '' He said that 's not correct and I said he has no other title and if he 's referring to the fact that our client is a XXXX, but that is a suffix not a title. He said he needed the full name on the account and I told him I gave it to him. He hung-up on me. I called back and got XXXX again. I asked for his supervisor immediately and was transferred XXXX XXXX. XXXX said he did n't see any notes as to the BPO. He escalated the issue to the SS dept. He said someone would call me back on XXXX XXXX or XXXX. No return call was received. On XXXX XXXX, XXXX, I called Ditech and spoke with XXXX x XXXX, she said she sees that XXXX XXXX sent a request for a manager to follow-up. The Manager did not follow-up with me, which is why I called back. She said there are no notes in the file since the representative never sent the referral to the loss mitigation dept. So, our appliciaotn has been sitting for a month. They said it should be assigned to a short sale representative on XXXX XXXX, XXXX. I would like this person assigned now, as an entire month has gone by.
On XXXX/XXXX/2015, a collection company named XXXX XXXX called my landlord trying to locate me concerning a debt claim. The debt in question is from an old Kay Jewelers account which is currently being disputed. The caller did not announce they where a debt collector and pretended to be a potential employer trying to gain information concerning my address/employment. I am unable to work due XXXX within the last three years. The constant harassment from this company is extremely stressful and totally unnecessary. On a previous occasion, this company told me to sell my belongings in order to pay this debt when I told them I had recently XXXX was unable to work.
I started calling my mortgage company Freedom Mortgage about refinancing in XX/XX/XXXX 2015 asking what I need to do, what they need from me. after I started the process with XXXX XXXX giving him the information he asked for I went weeks no calls or call backs. after leaving many voicemails I finally got a hold of him he told me my account was transferred to a different rep leaving yet another voicemail for someone else after a couple weeks later to be told someone else had the account. three different people later finally getting a hold of XXXX XXXX who told me my account was closed because they did n't have the paperwork they needed from me which I explained to her I had turned those in to the previous rep who had the account. it was XXXX 3months and payments later she tells me she has to get with a supervisor to reopen it. I called another mortgage company to ask advice they told me I could make a complaint with CFPB. telling XXXX this the next day she called back immediately telling me the account was open and at the under writers. couple weeks go by I call her to hear they need my bank statement I send it another week goes by and she tells me my wife has to write a letter stating I have access to the account and money since it is a joint checking account. then yet another week goes by I call they want an explanation written out why the address on the account is not my house address. I would not have found any of this out had I not called. I was told to get one thing after another and did so in a timely fashion. i finally get everything to them and now XXXX payments later since starting the process its XXXX I am told we are going to get to close the XXXX then they canceled one hour before our meeting because they did n't have the right paperwork rescheduling for the XXXX they canceled again still did not have correct paperwork. they rescheduled for the XXXX and once again called to reschedule for the XXXX still not ready today. I get a call from the title company XXXX XXXX at XXXX they have not received the paperwork from Freedom Mortgage so they are unable to meet us for closing tomorrow. the title company proceeds to tell me they have been ready since XXXX XXXX for me to close however they have been and are still waiting on Freedom Mortgage. I have explained to Freedom Mortgage since day one my payments are to high and I am paying 8 % interest and in XXXX of having this loan my pay off has only moved around {$4000.00}. since XXXX I have been wasting money because it all goes to interest and I explained to them I wanted this done as soon as possible. it was hard to keep up the payment because it is so high and after XXXX I have built no equity due to this issue.
On XXXX/XXXX/2015 XXXX XXXX ( XXXXXXXXXXXX ) XXXX XXXX. This is a HARP loan refinancing reservation number XXXX. All the paper work has been completed ( see attached ). After 45 days I got a letter saying the loan had been declined because : Ineligible Subordinate Financing. I called XXXX XXXX XXXX they have no problem in signing a subordinate Agreement.
I have requested that Regional Finance not call my place of work. Which is a government agency, I have requested no calls to my work number on several occasions. Today makes the 15th call. I spoke with XXXX on XXXX/XXXX/16, I requested no call to my work number. XXXX from Regional Finance has continued to call, and she disclosed my personal debt to a co worker. These types of practices will not be tolerated. The company is Regional Finance located on XXXX XXXX XXXX, XXXX XXXX, Texas, XXXX
Whipple Law ou t of North Carolina is trying to collect on a debt that they state was charged off by   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     I moved from   XXXX   to   XXXX      XXXX   XXXX   . They have no legal right to threaten me with a law suit based on  XXXX  's  six year St atute of limitation regardless of the type of debt. And  XXXX  has a statute o f four yea rs for all debts. I received the same letter from this law firm in  XXXX . And yet they are threatening me with a lawsuit and trying to intimidate me with a law suit. They are breaking laws and being a law firm they know this.
ECMC contacted my employer. I had never received any information, telephone call, document, or written correspondence from ECMC. XX/XX/XXXX, the first I heard of them was via my employer. ECMC would not provide me with any documentation, or tell me what I owed, and they made up different names for their customer service people ( the same person referred to himself as XXXX and then XXXX and then joked that he can be whomever he wants ). I looked them up online and utilized their online form ( they would not provide email or fax, and their mailing addresses require you to know what division to write to ) to submit a Cease and Desist. XX/XX/XXXX, ECMC began garnishing my wages through a third-party payroll company, XXXX. They did not contact me, and they did not contact my employer. XXXX did not notify me and will not provide any documentation. XXXX, who is not my employer, but a payroll company, began garnishing the same date they received the notice. ECMC will not produce documents, and XXXX will not produce documents. I live in the State of California ; I am XXXX as a XXXX by XXXX organizations, and I have never heard of something like this happening without any prior notification from anyone. In an online XXXX XXXX " XXXX '' issued by one of the professional organizations to which I belong, it suggests that XXXX notify employees of these actions. I am XXXX, and I was n't notified. In one week, there are more than six hours worth of calls logged to ECMC Internal Collections and ECMC Customer Service. Time and time again, ECMC representatives hang up, play verbal games, claim that the only solution is to start sending them money, and incorrectly state that bankruptcy will not provide a solution. I have no intention of filing for bankruptcy and never will, particularly over something that I do not owe, but I am very annoyed that when you call for one thing, the representatives will waste your time reading information off of a screen that has no relevance to your actual situation. What I wanted and needed was to be notified of this action. Now that it has happened without notification, I want it to cease, and I want to be given actual documents. They claim that the only way to make this stop is to pay them money. I will not pay them money because that would validate something that I do n't even know about. This is XXXX ultimate scam, and I never thought that something like this would be possible in this Country.
We reached out to RPM LLC, Receivables Performance Management LLC, to pay a debt owed from a XXXX XXXX. We were given an offer for the debt and we paid it, the orignal debt was for roughly XXXX and we paid XXXX in the settlement offer. The very next day we saw on our credit that they put on there we owed the remaining balance of XXXX dollars. When we contacted them they said our manger has to approve and it will get updated, but there system updates every Saturday. The next 3 days they put the same amount on our credit, so its now on there 4 times, so obviously there system updates when they want it to. We try calling them and they either hang up on us, or put us on hold. This is not fair or legal practices and they should not be in business!
ON XX/XX/2018 RENT RECOVER OF BETTER XXXX PULLED MY CREDIT ON XXXX WITHOUT VALIDATION NOR NOTICE.IN XX/XX/XXXX WENT ON ALL CREDIT REPORTS. KEPT CALLING MY DADS CELL NO.XXXX AND CELL XXXX XXXX2 TIMES AFTER CEASE AND DESIST NOTICES.
In the months of XX/XX/XXXX and XX/XX/XXXX I was late making my mortgage payments, XX/XX/XXXX was made XX/XX/XXXX and XX/XX/XXXX. I have made the payment plus late fee for these months. Ocwen Loan Servicing is charging me an additional {$6.00} for " Certified Mail Cost '' ( XXXX charges on XXXX/XXXX/XXXX, XXXX charges on XXXX/XXXX/XXXX, and XXXX charges on XXXX/XXXX/XXXX ). None of the mail that I received from Ocwen arrived at my home address ( billing address ) was registered or certified mail, however ; my renter received one certified mail at the property address for which the mortgage covers. This seems like an excessive amount of certified mailing charges and extremely unjustified.
I was experiencing hardship ( was out of work ) and I made an arrangement/hardship payment with Capital One Auto. I purchased this car in 2012 and am still making payments on this vehicle. I went to apply for a loan and I was denied because the loan officer stated that I am currently behind with Capital One. This is not true.I have several blemishes on my credit report from Capital One stating that I have not made a payment. I want these late payments removed. 

Capital One partnered with a dealership that is not a well rated dealership. I went through XXXX XXXX XXXX before reading reviews about them. They sold me a lemon and used Capital One to finance this lemon. It has never taken me 6 years to pay off a {$16000.00} loan. According to Capital One, I still owe {$6700.00}. This seems a bit excessive. 

I am asking that these late pays be removed immediately. 

My account number is XXXX.
Experian Consumer Dispute : Dear XXXX According to the Fair Credit Reporting Act, XXXX U.S.C. XXXX Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on my credit report to assure maximum accuracy. Without proper verification by them, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that Experian used to verify that the account ( s ) belonging to me the first time they reported the account on my credit report. Failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA XXXX XXXX. XXXX, unverified accounts must be promptly deleted. If Experian is unable to provide me with a copy of the verifiable proof that Experian has on file within 30 days for each of the accounts listed below then they must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. The following accounts must be verified or removed immediately : Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX BANK XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account Thank You, XXXX XXXX XXXX XXXX XXXX/XXXX/1976 XXXX XXXX XXXX XXXX, CA XXXX
I send over several dispute letters re : XXXX wring late payments. XXXX is reporting that I made a few late payment back in XX/XX/XXXX and XX/XX/XXXX. I asked XXXX to fix this situation over and over again because it is causing my credit report to be in the negative status. XXXX is reporting that I am 90 late without being 30 late 1st on my credit report. How can you be 90 days late without being 30 days late? This a clearly a violation of the FCRA.
My mortgage was sold to XXXX on XXXX/XXXX/2015. It started out they did not pay my town taxes and insurance. The escrow balance grew to XXXX. I was getting delinquent notices from the town hall. I would try and contact the company via customer service and they were rude and would not call me back. They stated that it was paid and nothing was wrong. I contacted the CFPB and the OCC opened a case. I received letters from XXXX stating it would be corrected and that my request to waive the escrow account would be granted. I also received a letter from OCC stating the issue should be fixed and if any problems to write again. 
There was an issue when I paid my mortgage on time and received a letter stating I was past due. XXXX had put my entire mortgage payment into the escrow account and said I was delinquent. This was finally fixed after my second letter to OCC. I have at least XXXX pages of documentation regarding this entire ordeal. 
I applied for a credit card two weeks ago and disputed the rate they gave me due to the fact that my XXXX credit scores were in the XXXX 's when I closed on my mortgage. I looked at my credit scores and they all have fallen significantly. All due to a late payment that was incurred due to XXXX 's error by putting my payment into escrow and not paying the mortgage with it. This company has been absolutely negligent when it comes to customer service and now my credit report has been damaged. 
I am unable to upload all the correspondence, I can copy and mail any paper work needed.
We applied for a loan with Provident Funding in 2012. After doing the paperwork and supplying my email address, I started getting numerous spam emails. This was very unusual for me since I only use my email for business and utilities, and get usually rare spam. The only change I could remember was having the mortgage with Provident Funding. Over months and years the emails finally ceased. Now we just paid off our loan, and right on that day the emails have started again. There must be some connection with Provident Funding 's business practice, and we want this spam email to stop.
I have sent THREE different dispute letters to Experian, and Experian is refusing to properly validate the debts that I have put in letters I have been sending them since XX/XX/XXXX. They keep stating that they have " verified '' these alleged debts and unverified accounts. Experian still has not identified who at Experian verified the accuracy of those accounts and they were verified. As I previously pointed out in my first THREE LETTERS XXXX Law Dictionary, XXXX Edition, XX/XX/XXXX, defines " Verification '' as " Conformation of correctness. truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of a party. So that means that Experian must be able to prove this in a court of law. The following accounts I would like removed immediately. 
XXXX XXXX I have retained all of copies of certified letters I have sent to Experian which will used as evidence in pending litigation provided XXXX fail to comply with my request. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
This is Not A Duplicate, XXXX XXXX I Lost My Wallet With My Bank Information In It! I reported It As Soon as I Gotten Home! Navy Federal Did Not Close My Account! On The XXXX Of XXXX {$5000.00} Dollars Was Deposited in My Account and When They Took The {$5000.00} They Took My Income tax Money from Checking and Savings Checking Navy Federal said {$570.00} They Supposed To Have Send Me and Still Have n't Receive Yet! They Have n't Credited Me With The {$1500.00} I Had In My Saving! I 'm Not Satisfied at All.
I was enrolled and signed a rehabilitation agreement with the collections agency hired by the Dept Of Education Collection Technology Inc XXXX. I went with a rehabilitation instead of consolidation because I was told collection cost would be removed and the negative trade lines from the Department of Education would be deleted. After loosing employment, I continued to make the XXXX payments on the account for the 9 months we agreed to verbally and in writing. Only after making my last payment was I told that I was not able to rehabilitate my loan, after being out over XXXX. Now I have to consolidate anyway and my payments arr projected to be around XXXX a month when it 's completed. Without the credit line deletion and collection cost being removed I feel that the payments I made under the rehab program should be either refunded or applied to my interest and principle not collection cost.
We negotiated a settlement which involved removal from my credit report plus they were also contacted about the information stating the opened date was wrong. They have continued to report even though the settlement was for certain amount removal and corrections of the information of date opened. They have continued to do this with any debt they are issued instead of using the date the debt first became delinquent.
I have been trying since XXXX XXXX to close my XXXX husband 's PayPal account. I was informed he has a balance of {$690.00} in the account. I contacted PayPal Customer Service and was informed I needed to send documents ( i.e., XXXX XXXX, my driver 's license, document naming me as trustee/executor, etc. ) to FAX XXXX. I made several attempts to FAX these documents and when I followed up I was informed the documents had not been received. I wrote a letter in XXXX, XXXX describing all my efforts to FAX the documents. I only received another e-mail saying to FAX documents to XXXX. I also made a complaint to the Federal Trade Commission, Reference # XXXX.