WillisBack/dataset-financial-user-claim huggingface dataset:
I called Arvest Bank on XX/XX/XXXX via their call center to change my checking account product ( from a fee account to a free account ), the woman on the phone completed the task, and we hung up the phone. XX/XX/XXXX I received a hand written envelope addressed to me, it contained a cover letter with my name and account number explaining the change to my account and under that cover letter three copies of another customers opening account documents. I now had this customers name, address, phone number, account number, birthday, social, DL #, and all information regarding her balance at the time of opening, where the account was opened etc. I called the customer service line explaining I was upset thinking someone else got my social like I got this persons. I filed a formal complaint, and spoke with a manager. The only resolution she could offer me was to close my account and reopen a new one. Please note I have received someone elses account number, name, and social via drive thru about two months ago while I was paying my house payment. I also filed a complaint at that time but am unaware of any resolution. After the mailing incident yesterday, I requested since my information could be compromised due to the bank negligence that they pay for a minimum of a year of credit monitoring for my husband and myself ( who is also on the account ), notify the other customer and also do the same. As of yesterday, the next manager I spoke with was unable to fulfill my request because he didnt have formal approval. He couldnt pin point who printed or mailed those forms in error, and also couldnt guarantee if my information had been sent out or not. My complaints about customer information not being kept private is doing nothing. In two months I have received two other customers information, and Arvest seems less than concerned.
Portfolio Recovery is stating I owe a debt of {$1300.00}. There have been multiple attempts to dispute this claim via mail over the past couple months because this is not my debt and fraudulent activity with this account. I have never signed a contract, spoken to anyone by phone, or received any paperwork from Portfolio Recovery stating that I owe the debt or details of the debt.
XX/XX/XXXX purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. They have been doing fraudulent sales tactics and they messed up on the original bill of sales to include my XXXX trade in from XXXX XXXX. I signed paperwork that has XXXX taking Power of Attorney over my trade in. They haven't sent XXXX XXXX the payoff check. I sent in the paperwork to XXXX XXXX showing I traded in the car but they keep harassing me. I'm not responsible for the car. Matter of fact, XXXX is under investigation by the XXXX and Florida XXXX XXXX. They have purposely with held the additional paperwork from XXXX XXXX because XXXX will not refinance the Journey to include the negative equity from the XXXX. That's why XXXX hasn't sent the money to XXXX XXXX. XXXX has doctored up fake application numbers and denial letters. I have a letter from XXXX XXXX congratulating me on my purchase from XXXX XXXX XXXX XXXX XXXX. XXXX has stolen my car from my work and they no longer own the car.
The CRA 's have added fraud alerts to my credit reports after I specifically requested they NOT place fraud alerts to my file. This is a violation of FCRA regulations.
My mortgage lenders Green tree servicing place force place insurance on to my mortgage payment every month without my consent.they harass me on before the XXXX of every month, call me day and night demand payment quick and a {$12.00} XXXX XXXX they change my mortgage payment from {$1900.00} to {$2000.00} without explain why, the denial my loan modification XXXX time, the give the run around
XXXX XXXX XXXX XXXX shared my personal information with a third party without my written or verbal consent. They are in violation of HIPPA law. The debt collector is disclosing incorrect information.
XX/XX/XXXX I tried to reason with M & T Bank. They wo n't accept a modification package from me.My First mortgage is current but they have no knowledge that M & T Bank has scheduled a sale date for XX/XX/XXXX to sell the home. 

This is second Mortgage I have been trying to work something about with M & T Bank. Each time it is a different person to work with. 

Can the second mortgage foreclose because of the subornation in New York? 
I made a payment to them XX/XX/XXXX and I thought I was on the right track. 

They are so very hard to talk with not to mention work out an agreeable term. 
When you call you have to go through about 6 or 7 people before anyone will discuss your account with you.
I entered into a settlement agreement with Sears by phone on my credit card account in the amount of {$1300.00} to be paid on or before XXXX/XXXX/2015 to settle my account. I received a written confirmation of our agreement by mail per my request ( attached ). I paid the agreed upon amount {$1300.00} in full by phone on XXXX/XXXX/2015 ( well before the due date ) and was told that I could call and request a zero balance letter after 15 days. 
I received a XXXX statement from Sears showing my XXXX/XXXX/2015 payment by phone, but still charging me the remaining balance on the account and interest charges as if the account was not settled. I called and requested a zero balance letter, but have never received XXXX. Next, I received an XXXX statement from Sears showing yet again that I have a balance, a late fee, and interest charges. I obtained a copy of my credit report from XXXX, and it shows that my Sears account is closed but not settled, and it also shows that Sears is continuing to report negative credit information about me to the bureaus. I have n't received a copy of my XXXX statement yet, but it again shows a balance due, more interest charges, and another late fee. 
Sears is in direct violation of the settlement agreement by, 1. ) Not settling the account and applying my settlement payment to the account as a regular monthly credit card payment, and 2. ) By charging me interest and late fees to my account during a settlement in direct violation of the written agreement.
We are in a Hurricane Irma FEMA designated area ( XXXX  FloridaXXXX XXXX , FL vicinity ). 

Thank you Chase for your XXXX and XXXX deferment grace period. 

We paid our Chase XXXX minimum payment of {$390.00} as requested. 

We are going to need at minimum an additional 1-2 month deferred minimum payment grace period on our Chase credit card ending in XXXX due to the extensive Hurricane Irma damage we sustained. 

Thank you. 

XXXX XXXX
Obtained a VA mortgage with Wells Fargo on/about XX/XX/2016. 
Terms of agreement as explained to me, was a bi-weekly partial payment ( approximately 50 % of monthly mortgage ) every other week, satisfying the minimum monthly mortgage amount. 

Advantage of terms of agreement as described by Wells Fargo : each partial payment made bi-weekly would be applied toward the principle balance, making it possible to pay down the principle of the loan much faster than if I had made a single monthly payment every 30 days. 

Discovered after perusing through monthly mortgage statements that bi-weekly mortgage payments were not being applied to the principle amounts. Instead, biweekly payments were being held by Wells Fargo until the full amount of the minimum monthly mortgage payment was received by Wells Fargo.
someone used my bank card link to my checking account and made unauthorized transactions while I was traveling abroad, it was an identity theft. I file a police report for that matter and contacted the bank and the merchant, submitted a lot of documents and at the end the bank denied the claim for no valid reason at all! its XXXX..
I originally applied for a business credit card with Chase Bank on XX/XX/2018. I was informed the process could take up to 30 days. Early XX/XX/XXXX around the XX/XX/XXXX I called Chase Bank to get an update. They stated that it had been declined and they could not tell me why that I would have to wait to get the letter. The bank rep stated I should have already received the adverse action letter. I checked and did not receive it at my home or business dress. I called back in on XX/XX/2018 and asked why I had not received the letter and they stated they were not sure and tried to get me off the phone citing complications with their process. I spoke to a man named XXXX who stated that they declined it because they needed proof of my address but would be happy to reapply with me over the phone. I stated that until I got the letter I would not provide any more information and XXXX got upset with me. I asked to speak to a manager and he stated that I could not. I asked to speak to a supervisor and said no one was available and I felt as if he was being hostile. I am very upset that they have not followed the federal lending guidelines and supplied a reason in writing for my declination
On XX/XX/2018 I responded to an offer for the American Express Business Platinum Card that required a {$25000.00} spend within 3 months for XXXX Membership Rewards points. I used the card exclusively and appropriately for all my business expenses and received the bonus by the end of XXXX. My balances on the card have been paid in full and are currently XXXX. I currently have XXXX Membership Rewards points in my account. Today I attempted to transfer XXXX XXXX points to a frequent flyer account to purchase a frequent flyer ticket ( On XXXX through the XXXX   program ) as promised as one of the perks of this {$450.00} annual fee card and according to the Cardmember Agreement. I received the following error : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I immediately called the Membership Rewards Customer Service number. Speaking to a supervisor, she reported that although there is no issue with my credit card, they are reviewing my Membership Rewards account for an unknown reason. I have never used my Membership Rewards points for any activity before. They claim this review will take 6 to 8 weeks and until then I can not use my Membership Rewards points for any transfers to frequent flyer programs. Without these points, the travel I need to plan immediately to attend my relative 's funeral will have to be completed in another manner. American Express is in violation of their Cardmember Agreement and based on a quick review of online complaints I can see that a class action lawsuit over this matter may be customers only recourse. In 10 years of using XXXX XXXX XXXX  points I have never experienced such an issue and it is extremely disappointing to receive such treatment as a so-called " Platinum '' member. Clearly, I will not be using their cards again.
On XX/XX/XXXX, I purchased four reloads of XXXX XXXX cards in the amount of {$500.00} each. Unfortunately, the first two reloads brought me to a $ XXXX monthly limit, and so Incomm did not load the remaining {$1000.00} cash into my XXXX account. Though Incomm makes it virtually impossible to reach them on the phone, I finally did, and was given an email address to send documentation. I did so on XX/XX/XXXX. On XX/XX/XXXX, Incomm send me another email, saying that they needed a utility bill. I do not understand why, if needed, that would not have been requested with the rest of the initial documentation, but I responded on XX/XX/XXXX with a copy of my electric bill. I have received no further communication from Incomm. They have stolen {$1000.00} from me and refused to refund it.
I have a case pending # XXXX that seems to be going nowhere. It appears that Chase can do whatever they will to me with no help from my government agency. I have been complaining since XX/XX/XXXX about the predatory rate and the fact that the loan was made to me by an unlicensed lender and sold to Chase. They have had BPO 's done that inflate my property value so I can not qualify for the HAMP or HARP programs to save my home.I have given them evidence of major repairs so they can work with me but they ignore any info I send to them. I work with homeowners everyday as a real estate broker and I know I can qualify for these programs and I know my market area. The investor XXXX XXXX XXXX will not allow me to take advantage if any these beneficial programs. It appears CFPB is more interested in protecting Chase instead of me.I am attaching the most recent comps in sales in my neighborhood for your review. My home in its present condition will sell for about {$200000.00}. The most recent BPO has it at {$320000.00}. The one before that was {$450000.00}. They have no evidence of any sale in my neighborhood for no where near that price. I am having a home inspection done today and I will forward it to you. I have disputed the decision for them to deny me a fair principal balance reduction and rate reduction. They claim to be reviewing and will let me know by XXXX/XXXX/15. I do not believe they have any intentions of doing anything different than asking for current up to date payments and or deed in lieu or shortsale. This is the way they handled the last request. It would be nice if I can see something you all are doing for me except sending me reply after reply saying absolutely nothing. Thanks in advance for your assistance.
Someone stole my personal identity and open up unauthorized and fraudulent accounts using my identity. I am a victim of identity theft. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, U.S. Department of Education
I opened a CD account with ETrade Bank on XX/XX/XXXX in the amount of {$1000.00}. I made no further deposits after that date. When I recently checked on the status of the account by phone with ETrade bank they told me they have no record of the account. I have the actual CD in my possession. It shows Account Number # XXXX with a annual renewal term and Interest to be paid Quarterly to the Account balance. After speaking to ETrade and getting nowhere I did some research and found that ETrade had sold their CD accounts to XXXX XXXX on XX/XX/XXXX and that all funds would be transferred to XXXX XXXX beginning XX/XX/XXXX. I contacted XXXX XXXX and they confirmed that ETrade accounts were purchased but when I asked them to research my account they were not able to find it. This account should be worth {$1700.00}. I find it ludicrous that neither ETrade or XXXX XXXX has been able to provide any information regarding this account. I would appreciate any help you can offer to resolve this issue as I could put these funds to good use. Thanks, XXXX
There is an account on my credit report from XXXX stating that I owe {$890.00}. The address linked to that account is XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX. Ive never lived at this address and currently have an open account with XXXX. This debt collection is inaccurate and I would like for it to be removed from my credit report. The account balance was also transferred to another lender which is illegal under the Fair Credit Reporting Act
I have been a subscriber to the XXXX, Experian, and XXXX credit monitoring products since XX/XX/XXXX. To my surprise, I initially discovered that there were inaccurate, incomplete, and unverifiable information throughout each of my consumer credit reports. I filed formal disputes on XX/XX/XXXX, with each of the nationwide Consumer Reporting Agencies, namely, XXXX, Experian, and XXXX. Pursuant to an OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX filed in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX, most of the disputed items were immediately " deleted '' from my consumer file because of the inaccurate, incomplete, and unverifiable information. However, on or about XX/XX/XXXX, some of the previously deleted inaccurate, incomplete, and unverifiable information items suddenly reappeared on my consumer credit reports causing my credit scores to plunge over 208 points. I dispute the validity entirely of these inaccurate, incomplete, and unverifiable information items. I hereby demand that these inaccurate, incomplete, and unverifiable information items be immediately " deleted '' from my XXXX, Experian, and XXXX   consumer credit reports because they are in direct violation of my consumer rights pursuant to the procedures, rules, regulations, and requirements as described in the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Texas Business and Commerce Code Title 2, Chapter 20, and as directed by the Texas Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau. I filed a new  OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX with regards to the complaint outlined in this specific dispute with XXXX, Experian, and XXXX. I have sent Certified Official Affidavit Packages with Certified Exhibits 1 through 7 to the following : ( 1 ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 2 ) Experian [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 3 ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 4 ) XXXX XXXX XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ]. Please see all attachments and exhibits in the documents to be uploaded into the CFPB system. Thank you!
I had a payment due  XXXX / XXXX / 2017 . As of  XXXX , I was sent an email that my payment was not received, and logging into their site I see a late fee was applied. I worked with customer service, who said there 's magically no way to reverse the late fee because computers, and that I must 've paid after the cutoff time. Their site allows a choice of date to apply, which I did for that day. Customer service claims I must 've missed the cutoff time, but gives nothing to back up that claim. I contend that I paid it in time, including the cutoff time.
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Dismissed XXXX, Chapter XXXX Bankruptcy Dismissed XXXX
On XXXX XXXX, 2016 I initiated a transfer of {$270.00} from my bank account to my PayPal account. When I check to see if the funds are available, the details of the transaction states that the transferred money will be available in my PayPal balance on XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and the funds are not available in my PayPal balance. The funds should have been available at XXXX on the XXXX. The transfer is an ACH transfer, the funds cleared my bank on XXXX XXXX, 2016. All PayPal says is that the transaction is an ACH transaction and can take 3 to 5 business days to show up in my account balance. That money has cleared my account and has been transferred to PayPal. PayPal is holding my money in their bank account and refusing to credit the funds to my account in a timely manner. By delaying the crediting of funds transferred from customers ' bank accounts to customers ' PayPal accounts, the company is using my money and getting interest on my money during the 3 to 5 business days that the money is floating in their bank account. Multiply this situation by the likely tens or even hundreds of XXXX such transfers every day and the amount of money PayPal is skimming off such transfers is enormous.
On XXXX XXXX, 2015 in the am, I went in to my local Chase Bank branch to cash a payroll check. I asked the teller if there would be a hold on the check and if it was more than 2 days I would rather go to the bank the check was drawn on and cash it with them. She advised me that there would be a hold until the morning of XX/XX/XXXX. I explained that I have children and need to pay necessary bills and get food and wanted to make sure it would be available. She assured me it would and circled my receipt showing it would be available on XX/XX/XXXX. Today, XX/XX/XXXX, the check is still on hold. I called the bank and they told me the check is now on 7 business day hold until XX/XX/XXXX and would not give me a reason. I called the bank the check was written from and they said it should have cleared and Chase paid in 2 days. Chase is now charging me NSF fees for items coming through. I have XXXX accounts with them and XXXX of them is now negative and I am unable to transfer funds to bring it positive. They are charging fees in that account now as well. This has caused a hardship. I could have just cashed the check and had the cash to deposit if they would have been truthful about the process.
I 've contacted Navient the last 2-3 years in regards to XXXX late payments they have for XXXX different loans on my credit report. Oin XX/XX/XXXX my husband was injured and out of work I called Navient and filed for a unemployment deferement and was qualified. I was told then that it would be retro active and not affect my credit. I noticed my credit reports with equifax and experian are stating XXXX missed payments on XXXX different loans for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I have asked Navient several times to correct this mistake as I was in deferment but to no avail. I contacted them and asked them to send me a list of all deferments and forbearance that I had on all my loans per their document I was covered under deferment and forbearance and they will not remove. Between XXXX and Navient I have been harassed, threatened as well as my family and friends during XX/XX/XXXX-XX/XX/XXXX. I am disappointed on how I am treated by both companies I. The past.
XXXX  XXXX credit card Open XX/XX/2018 Its not reporting on my credit report For all three credit companies Plus my users on they report
I utilized paypal credit for their 6 months interest free credit promotion on XX/XX/XXXX for a vendor payment of {$5000.00}. Paypal provides no email alert, no online summary warnings or any balance details whatsoever on their website in regards to any fees amounts required to defer interest OR even any alert that fees are past due on a balance. The only way to ensure the a customer does not get interest charged is if they set an alert themselves which is a deliberate ploy to collect interest fees from their customers. I asked for a credit of all the fees before paying the balance in full but the paypal supervisor XXXX   refused to credit any fees whatsoever.

This issue is common among predatory financial institutions that create systems deliberately to catch customers unaware of their outstanding balance. They in fact rely on the interest free period for the consumer to forget when the fees will be charged. Paypal catch their customers that choose to get online statements ( environmentally responsible consumers ) since there is no online information on their website relating to deferred interest or fees. The paypal credit agent admitted to me on a call XX/XX/XXXX that other customers choose to get paper statements in the mail specifically because Paypal do not alert online statement customers to any interest charges. When I escalated this to the supervisor " XXXX  '' ( who would also not provide any more details on his name than this ) advised that their system does in fact provide transparency on the interest fees. However, when asked to show me he could not provide any evidence of an online alert OR transparency on fees OR information on deferred payment fees. After clicking at least 4 buttons within paypal credit online system, the customer has to download " past statements '' on a PDF file to see the only information paypal provide relating to these deferred fees being charged.

Paypal deliberately set up their system to provide ZERO transparency and online alert on interest fees in order to exploit their customers. It is clear that Paypal ( one of the most advanced online finance systems in the world ) have deliberately implemented no transparency for their interest free credit system as part of their deceptive practices revenue generating plan.