WillisBack/dataset-financial-user-claim huggingface dataset:
UNEXPLAINED AND INEXPLICABLE CHECKING ACCOUNT CLOSURE Dear Recipients, I am alerting you as well as giving you the opportunity to correct a mistake before it becomes a Media or Legal problem for Chase. 

Last night while at XXXX XXXX in XXXX XXXX, CA, my purchase was declined. Embarrassing and also Alarming I left the store without my Purchase. 

I proceeded to log into my account via my phone and the Chase App, on my phone. The App denied me access to my account, so I decided to call the Customer Service phone number to find out what had happened. 

This what I was met with, : '' Sir we have decided to end our Banking Relationship with you after Internal Review the Decision was made '' " What information was used or what decisions had been reached, using what data, to make that decision '' I asked. 

The response was that they have no responsibility to tell me or explain the Decision. 

Pretty Incredulous RESPONSE to a simple inquiry. 

As a Politically Active XXXX Man who is XXXX XXXX  and uses my account for the primary purpose of Receiving Federal Funds from the US Treasury and XXXX XXXX XXXX Benefits, I can only surmise that Chase Bank engages in Discriminatory Practices, for people such as myself. 

I would have to assume this based on the lack of reason being provided. I know that Social Media as well as Stories of Interest, can be a powerful tool to bring about change. I also have no problem involving Media, Politicians and using full weight of the XXXX Community to bring about an instant response. 

Why do I need to do that? 

I activevely suggest and require a response immediately to mitigate any further action on my part. 

Sincerely. 

XXXX XXXX XXXX XXXX XXXX ; XXXX Show quoted text
I have called all three credit bureaus ( Transunion, XXXX, XXXX ) a total of 10 times, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I called to inform them that my reports show 2 bankruptcy filings that do not belong to me that was supposedly filed on my behalf in XXXX County, NC. I have disputed this a total of 5 times only for them to come back and inform me they investigated and it was verified, I requested they provide proof of the provider who verified this erroneously reporting and they have yet to tell me. I called the Courts here to confirm that I do not hold a bankruptcy and was told that there is no record of my name and address, also further they verified they have not spoken to anyone from the Bureaus to verify such a record exist. I noticed as of today XX/XX/XXXX yet another Bankruptcy has appeared on my credit report. I work in XXXX XXXX and have been terminated from my employment as a result of these filings, I have requested from several supervisors to have this removed from all 3 bureaus and they have done nothing at all.
I have attempted to reach out to Santander in reference to balance showing owed. I have yet to receive information reflecting current balance. This account has been paid
I Called Navient early last year, and let them know my situation abut repayment. They told me that I did not qualify for a forbearance because i had already done it 3 time and was n't allowed to do it anymore. Then, they told me in order to get any help with repayment, I had to be past due at least 3 months. When that happened, they were able to adjust my interest rate down to 3 % for 1 year, which i thought was fantastic. But what i did n't realize was that after the 1 year had passed that my interest rate was going to be higher than it ever was at 9.5 % and it was going to keep getting higher each month after. They have no explanation as to why they did this. All of my private loans are currently set at 9.75 %. I feel as though something else can be done as I will never be able to pay more than minimum at this rate and it will take me longer than ever to repay these loans.
Back in XX/XX/XXXX, my husband and I got in touch with Chase Bank via telephone to inquire and see if we would be eligible to cancel our private mortgage insurance. When we initially signed our loan documents with our mortgage lender back on XX/XX/XXXX, the terms of the loan were that we had the right to request the PMI be canceled once the principal balance reaches 80 % of the original value of the property ( please see attached document labeled PMI ). With the updates we have done on our home and the market in our area, we believed we would be in a good position to reach that 80 %. <P/>Thus we contacted Chase to start this process. We are in good standing with our loan in that there has never been a late payment and each month we pay an additional {$180.00} to our principal balance. On XX/XX/XXXX, Chase sent us a document outlining how we start the process of requesting to cancel our PMI ( please see attached document labeled Chase page 1 ). The first step in the process was to request a broker price opinion, which is what we did. On XX/XX/XXXX, Chase sent us a document stating they received the signed BPO request form and ordered the BPO. A few days later we heard from the third party BPO agent, and the BPO was conducted on Monday, XX/XX/XXXX. <P/>On XX/XX/XXXX, we received a letter from Chase stating they can not cancel our PMI because our loan-to-value ( LTV ) ratio for this loan must be 75 % or below to cancel our PMI based on the current or newly appraised value of the property ( please see attached Chase document page 3 ).  They stated that currently our LTV ratio is 78.57 %. They advised that to meet this new 75 % LTV requirement, we would need to pay down the principal to {$290000.00}. The amount we would owe is approximately {$14000.00}, and this is not something my husband and I are financially able to commit to right now. <P/>After receiving this letter, I contacted Chase to see if there was any documentation I signed agreeing to these new loan terms regarding the 75 % LTV ratio. Chase did not have anything on file. The only documents they had on file regarding our PMI agreement, is the original document we signed back on XX/XX/XXXX ( attached PMI document ) stating that we were held to the 80 % LTV ratio. <P/>I am filing this complaint because I feel like we have been faithful in our payments, and we have met the terms on our loan making us eligible to cancel our PMI by meeting the 80 % LTV requirement. We are currently at 78.57 %. I am happy to answer any questions or elaborate on any of these points. Thank you very much for your time and I appreciate your assistance with this matter.
On or about XX/XX/XXXX, I received a letter from a collection agency regarding an alleged debt that I owe to XXXX XXXX XXXX   XXXX, the creditor. I have repeatedly requested by phone that they provide me an itemized bill for the services rendered, and each time I spoke with them, they agreed to send it to me, but up to date, I have not received anything. The latest letter I received dated XX/XX/XXXX, they are threatening to report the unpaid balance to one or more of the national credit bureaus, even though I still have not received the itemized bill. I have spoken to one of their reps that go by the name " XXXX  '' who coerced me into admitting that I owe some of the debt, and then insisted that I pay what I believe I owe, even though I told him over the phone that I am disputing the amount they are seeking. I also had my insurance company call the doctor 's office requesting the itemized bill, and they refused to give it to us, and then proceeded to hang up the phone on the insurance representative. I am now forced to have to pay a bill that I am disputing because I do not want it to damage my credit.
I have on numerous occasions supplied Experian with a copy of my Notarized and signed ID theft affidavit and letters from the Office of the Comptroller of Currency and XXXX in regards to an account that was opened at XXXX fraudulently due to ID Theft. Experian has failed to honor their legal obligations regarding ID Theft and has continued to allow the account from XXXX to remain on my credit report. This is even after XXXX has contacted me by letter and through the Office of the Comptroller of Currency stating that this account would be removed from my credit reports. 

On my last dispute XXXX and Experian even updated the account even though XXXX has promised to remove this account from my reports and XXXX ( which XXXX sold the account to ) has removed it from my reports due to it being opened due to ID theft. 
The multiple falures by both XXXX and Experian to honor their word and/or legal obligations has caused me both financial difficulties ( increased insurance premiums, increased deposits, increased interest on open accounts ) but has also caused me XXXX XXXX.
I have yet to receive the full refund of my escrow account since closing XX/XX/2016. The full amount is {$2000.00} and I only got a partial refund of {$340.00}. I have not cashed the check yet since it was not the right amount. Greentree / Ditech new I was refinancing since they were notified that I needed the payoff amount of the loan. Since I was refinancing I needed to pay off my property taxes before closing so I paid the full amount of my property taxes that was posted XX/XX/XXXX and Ditech the XX/XX/XXXX. Attached is my notes.
I 've submitted several certified letters in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( documented- time stamped certified letters ) to TransUnion regarding the request to remove fraudulent inquiries from my credit report along with a FTC Fraud Affidavit and police report. I 've recently submitted a certified letter XX/XX/XXXX regarding my final written offer of SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve their continued violation of the Fair Credit Reporting Act regarding their refusal to delete FRADULENT INQUIRIES from my credit report, but, again no response and it has now been 30 days. 
TransUnion has my ID Theft Affidavit and police report. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the FRADULENT INQUIRIES below are not deleted immediately. 

I would like the FRADULENT INQUIRIES below deleted immediately. 
XXXX DATE REPORTED : XX/XX/XXXX XXXX XXXX DATE REPORTED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX XXXX XXXX DATE REPORTED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XX/XX/XXXX DATE REPORTED : XX/XX/XXXX XX/XX/XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XX/XX/XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX XXXX DATE REPORTED : XX/XX/XXXX
In XX/XX/XXXX ; I was notified by XXXX XXXX who was employed by XXXX XXXX Now that I was pre-approved for a home loan. She sent my realtor XXXX XXXX ( XXXX XXXX ) a pre- approval letter. XXXX and I then spoke with XXXX XXXX with XXXX XXXX with pre-qualification letter in hand and began picking out my town home in XXXX, Utah. By this time, I had given XXXX XXXX {$1000.00} earnest money and a {$2500.00} construction deposit. Everything seemed to be moving along very smoothly. XXXX would advise me every two to four weeks that she had checked with XXXX on the progress of my loan and XXXX would communicate with me that XXXX stated that everything was fine. 

The only change that had been passed along to me was that XXXX took my loan to her new employer Oaktree Funding. During XXXX employment with Oaktree Funding the only things that were requested of me to produce was my investment statement so I can show where the down payment was coming from, updated paycheck stubs, bank statements and documentation that my student loan was in good standing. 

On XX/XX/XXXX ; 17 days before I was supposed to close on the property at XXXX XXXX XXXX XXXX in XXXX, Utah XXXX had called me to inform me that XXXX was no longer licensed to be a lender/broker in Utah and the processor XXXX at Oaktree Funding, was advising her I needed an additional {$6000.00} or so in order to close on XX/XX/XXXX. 

Needless to say, I dont have an additional {$6000.00} or so and I am not sure if I will even receive my {$3500.00} I had given to XXXX XXXX as a deposit/down payment. Furthermore ; my current landlord has already rented out my current residence. Now I am currently in a situation where I am scrambling for a place to live by the end of XXXX.
Recently I sent a letter to Central Financial Control asking them to validate a debt that was listed on my credit report. In response, I was sent some documents with my information typed in, with a signature and initial that is not mines. Also, this company seems to have some of my medical records without a medical release form or any type of authorization from me. I believe this violates my privacy according to HIPPA. When I contacted Central Financial Control about my findings, they confirmed that it was not my signature based on a copy of my Driver 's License they received from  XXXX   XXXX   XXXX  ( Original Creditor ). Also, with this proof, Central Financial Control refused to remove it from my credit report, stating that they have no way of doing so unless the account is paid in full. I then contacted  XXXX   XXXX   XXXX  about this debt and was told that they could not assist me because the debt in questioning was sent to collec tions ( Central Financial Control ). I feel that I  am being treated unfairly as well as forced to pay a bill that I had no knowledge of and by pending someone else paperwork and signature of acknowledges on me.
CAILBER HOMES LOANS WAS NOT HONEST ABOUT THEIR POLICY AND PROCEDURES REGARDING MODIFICATIONS..I REQUESTED A MODIFICATION ON XX/XX/XXXX THEY ADVISED ME THAT ONE OF THE QUALIFICATIONS TO EVEN BR CONSIDERED IS DEFAULT OF MORTGAGE PAYMENTS FOR 3 MONTHS ... ... CONSIDERING MY SITUATION @ THAT TIME I AGREED, ,HOWEVER I WAS TOLD THAT THIS WOULD NOT REFLECT MY CREDIT EXPECIALY SINCE I HAD NEVER ACQUIRED ANY LATE FEES ON LATE PAYMENTS SINCE I HAD BEEN WITH CALIBER HOME LOANS .I BELIEVE THEY DID THIS TO DISABLE ME, SO I COULD N'T GO TO ANOTHER MORTGAGE COMPANY THE PROCESS TOOK SO LONG THAT I PAID THE REARS IN XX/XX/XXXX IN FEAR OF LOSING MY HOME
received a letter from XXXX XXXX XXXX XXXX concerning a debt from XXXX XXXX XXXX for XXXX i spoke to them on 3 occasions concerning the issue. i informed them that this was do to fraudulent transactions. the debt collector was only concerned with getting a settlement of XXXX regardless of the issue. i also asked them for everything they had from XXXX XXXX but received nothing from them. they have ignored my request to dispute this debt.
In 2007, I was a victim of identity theft. As a result, the IRS charged that I owed them a tax debt, which I disputed. Before we reached a resolution, the IRS reported the tax liens to the XXXX credit bureaus. After several years of disputing the debt with the IRS, and with the help of the IRS Advocacy group, the IRS conceded that I did not owe the debt and removed it from my file. However, they refused to remove it from my credit report, despite multiple calls and visits to the local offices reporting the debt. I 've been trying for years to get the bureaus to remove it, but because its the IRS, they do n't want to do it. I finally called the IRS Advocacy group again and they confirmed that they have no record of the debt because it was removed, since I proved it was n't my debt. They recommended that I get the FTC involved to force the IRS to remove the tax lien history from my credit profile. Currently, there are several tax liens that show " paid/satisfied, '' but that implies that I owed the debt at one time and paid it off, neither of which is true. Because the debt was never mine, any and all record of the tax liens should be stricken from my credit profile. As result of having those liens reported, although showing " satisfied, '' my credit scores are being severely affected and I 'm having to pay much higher interest rates and getting denied from necessary credit. I need your help in having all of the erroneous tax liens appearing on my credit report, both on the Federal and State level, to be removed once and for all.
I have contacted XXXX trying to remove this account from My Credit report for years they refuse. I have advised them I am a victim of identity theft and requested proof this account indeed without a doubt belongs to me and they fail to do that. The only thing they have sent me is proof of the payments made to the car which does n't prove this debt or account indeed belongs to me.i demand proof such as copy of my drivers license, passport, state issued id, social security card etc documents providing I opened this account personally. I even tried to settle this account even though I do n't owe anything to them and they refuse to remove the account even after payment. This is t correct and someone needs to put into place my rights as a consumer.
I was induced to sign up for a CitiGold checking by a promotional code that I received. The XXXX checking account has a monthly fee of {$30.00}, which I have been paying since opening the account in XXXX 2016. The promotional code, XXXX, was for XXXX XXXX XXXX points. I called Citibank and spoke with XXXX, employee code XXXX, on XXXX XXXX, 2016, at which time XXXX confirmed that I was eligible for the promotion and would be receiving the points when the requirements were completed. Further, on XXXX XXXX, 2016, at approximately XXXX, I engaged in an online chat conversation with Citibank representative XXXX ( see attachments ). During my conversation with XXXX she assured me that I was eligible for the promotional code and that I would receive the XXXX XXXX points within 90 days of completing the requirements. I completed all of the requirements for the promotion on XXXX XXXX, 2016. Pursuant to the terms and conditions of the promotional offer, I should have received the XXXX XXXX points from Citibank on XXXX XXXX, 2016 : which was the 90 day mark from my completion of the requirements for the promotion. Having not duly received the XXXX points, I contacted Citibank on XXXX XXXX, 2016, to see when I would be receiving the points. They stated that they were " backed up '' giving out points to everyone and they would need to investigate my eligibility. I informed the Citibank representative that I had confirmed my eligibility in XX/XX/XXXX ; furthermore, I informed the representative that I had a screenshot of a conversation confirming that I was eligible for the promotion. The representative said they would still need to investigate, at which time I requested that they contact me via email once they determined my eligibility. On XXXX XXXX, 2016, I received a secure email stating that there was not an AAdvantage Miles promotion offered in conjunction with the opening of this account. However, the undeniable evidence confirms that I was eligible for the promotion. I request that Citibank honor their promotion and provide me the XXXX XXXX points that I was promised under the terms of the promotion, confirmed during my phone conversation with XXXX, and reconfirmed during my online chat with XXXX.
Chase bank will not credit funds back into my account due to transactions being chip and pin purchases at XXXX and XXXX. I informed them as soon as i noticed my account was over drawn by {$1200.00} and they stated they assumed it was me. I informed them i use my account mainly to pay bills and i dont spend money i dont have.I 've been a loyal client for over 2 years and Chase bank should know how i spend my money.In my opinion and research done on this new card with a chip in it, Chase bank did not conduct a thorough investigation.All Chase has done was tell me to contact the merchents and take my hard earn money through my direct diposite XXXX.. and im still overdrafted.All they keep asking me is when will i clear it up and get my account back to positive. I honestly feel like Chase has turned they back on me and my wife and child.Im now behind on bills that should have been taking care of if it wasnt for this fraud on my account.
Upon applying for a mortgage refinance in XX/XX/2018, I found that a company XXXX XXXX dba XXXX had opened a collection item that was reflecting on both credit /bureaus and negatively impacting my credit score. I called XXXX who told me they could not help me as the account was being handled by their subsidiary XXXX XXXX. I called XXXX XXXX and explained to an agent that I never applied for or received the XXXX 's debit card their company is negatively reporting as a collection item on my credit profile. I was told something to the effect that XXXX XXXX could not access the information on the account but the agent took my information and submitted the negative item as fraud. I also questioned the validity the item since it is reported as a XXXX 's debit card which is a card that draws directly from the applicant 's bank account. A debit card verifies and draws funds upon approval that the funds are present and accessible. The agent did not have any answers. A few days later, I received a letter from XXXX  stating that they were not currently handling the negative item. I also received a couple of letters from XXXX XXXX one acknowledging my call/dispute and another requesting all of the same information I submitted to them over the phone. I completed the information and sent it back. I have called twice since for updates, but am repeatedly told there are no updates reflected on the file.

In the interim, I am in the middle of a mortgage refinance and this negative item is driving down my credit score.
They call repeatedly during work hours and make false statements to try and get me to sign up for their features. They call before the payment due date every day until the payment is made. This month they began calling 2 days before the payment due date during work hours ( calls began XX/XX/XXXX - payments are due the XXXX - by their own rules i have 20 days from the due date before a payment is late ). I am not allowed to use my phone at work. When I got in contact with them ( XX/XX/XXXX ) I asked why they were calling so much before my payment was due they said that it was because they were ready to take my loan out of default. I said that was great and I would be calling back in the next few days to make my payment. They told me they would advise me about the status of my loan when I made the payment. They continued to call XX/XX/XXXX & XXXX during work hours. When I made my payment XX/XX/XXXX they tried to get me to sign up for their paperless notifications. I declined. They had no knowledge of the conversation where I was told about my loan coming out of default and said i started receiving the calls before my due date as a reminder. I asked to speak to a supervisor and asked them to listen to the recording of the conversation on XX/XX/XXXX. Today XX/XX/XXXX I got a call back and the person I spoke to confirmed that I was told my loan was ready to come out of default but I was told simply that the person who spoke to me had made a mistake and not looked up my payments and that I was still months away from my loan coming out of default. I was also told that he saw where I had asked previously to to get called repeatedly and he simply didnt know what happened. I have asked them repeatedly to stop calling so much they always claim that theyre sorry and they dont know what happened but theyll fix it and as soon as the next payment date approaches the calls begin again. Every month they have a new excuse for calling me and are constantly trying to get me to approve autopayments or paperless billing. Ive had trouble looking for work and in the past when payments were late for longer periods they have called my parents and siblings trying to reach me. Its incessant and unnecessary and has caused my family and my self a lot of undue stress.