WillisBack/dataset-financial-user-claim huggingface dataset:
Have lived in my home nearly 9 years. Mortgage company has contacted me recently to say that I live in a Special Flood Hazard Area and are requiring me to obtain flood insurance. My house has never been nor is currently in a flood hazard area. My home has n't moved during my tenure. When the mortgage company contacted me, they had already increased my escrow and began making payments for flood insurance from my escrow. Their letter said that I need to prove that I do n't live in a flood hazard area. I responded to them and insisted that THEY prove that I do. They have not responded nor have they reversed the money taken from my escrow account for the bogus claim of necessary insurance.
In XX/XX/XXXX I reviewed my credit report and noticed several accounts i believe to be fraudulent. I believe these accounts come from one of two security breaches i was involved in the XXXX data security breach of XX/XX/XXXX and the XXXX XXXX XXXX breach of XX/XX/XXXX. i would like these items removed from my report as soon as possible. I am a victim of identity theft and need these items removed immediately.
Dear Sir or Madam : JP Morgan Chase NA does not let its customers transfer money on a recurring basis on or after a date of the month. The " transfer on '' date can only be the deliver on or before date. It can never be the " send on '' date. This means a consumer wanting to transfer their money to an external savings account risks overdraft because the " send on '' date is uncertain due to the random occurring weekends and holidays. Moreover, preventing customers from choosing the " send on '' date for transfers biases Chase Checking account holders towards having savings accounts with Chase to eliminate the overdraft issue due to randomly occurring " send on '' dates. 

I think this practice of not allowing customers to specify the dates of the month on or after their funds are sent may be an attempt by JP Morgan Chase NA to discourage external savings accounts and to boost overdraft fees. 

A consumer who selects a XXXX of the month transfer date on XX/XX/XXXX, for a recurring transfer will have the following next XXXX transfers. 

Send On Deliver ByXXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX/XXXXIf that consumer gets paid on the XXXX of the month, she will have XXXX overdrafts if she does not have funds prior to getting paid to make the transfer. A Chase checking customer will have to select the transfer on date of the XXXX of the month to guarantee that none of the next XXXX transfers is sent on before the first of the month. Moreover, there is no guarantee that she will not have a transfer sent prior to the XXXX of the month after the first XXXX transactions leading to an overdraft. I believe that this might be a predatory way to set up transfers to maximize overdraft fees and scare JP Morgan Chase NA checking customers from using external savings accounts which likely offer better interest rates than Chase. 

Sincerely , XXXX 
XXXX, LA XXXX : ( XXXX ) XXXXXXXXXXXX
I paid my mortgage in full. My mortgage was sold right under my nose and then Caliber who have my mortgage is telling me that I now owe XXXX. I they raised my payments to XXXX after paying XXXX all of those years. My mortgage is a XXXX account. They are stealing!!! There is no recording of the sale of my home and no promissory note. Now Caliber has been reporting a 120 day late payment on me every month and I have made payments that I do not owe every month. I have all of my bank statements showing that I have made payments every month and finished paying for my home and now Caliber who has no legal right to my information is ROBBING ME!!!
Please remove XXXX XXXX XXXX from my credit report, here is a copy of the letter from XXXX XXXX XXXX asking the credit bureaus to remove this account from my credit report.
My loan was paid off by a servicing company, ACS. I applied for a military deferment as to not accrue interest. I submitted all of my paperwork with my XXXX as well as proof of XXXX XXXX XXXX. The deferment was denied and they will not uphold their own policy. When I tried to speak with them about it, they told me to call the Department of Education. The DoE stated they have no bearing on deferments. When I called back and asked to speak to a manager, the representative gave me a last name and stated I do n't know any supervisor 's first name. I told her that 's impossible for her to not know her supervisor 's first name. I asked for her name and she refused to give me her full name as well. She told me the application was denied because my order did n't say war on my XXXX. I told her that no one 's XXXX say war as we are not in any major wars right now and the operation that we fight in can not be printed on any electronic documentation. But my XXXX stated that I was in support of an operation. They have the Department of the XXXX XXXX as the heading and it says I went to XXXX. She then went on to tell me that it does n't state what you did in XXXX. I told her ma'am, that information is classified and no orders state this either. They will not uphold their own policy and guidelines. She then went on to say well, we can put you in forebarence so you will still accrue interest. She still could not explain to me how I do not qualify for a deferment and their policy states any XXXX XXXX member in support of a XXXX.
US Bank changed my billing address for my mortgage without notice and without my consent to an address that is NOT and never has been my address. Consequently I received no billings or statements of delinquency until I discovered the error and pointed it out to US Bank in XXXX 2015 while doing my taxes. I want all interest and penalties assessed as a result of their error refunded. Please note the property address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( an address which does NOT receive mail ). The correct mailing address is and always has been XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX. 
The incorrect address the bank started using for me in XXXX was XXXX XXXX XXXX XXXX, XXXX XXXX.
I previously submitted a dispute regarding the charge on my card on XX/XX/18 by XXXX for {$1100.00}. My rental contract included unlimited miles, however, I was charged an additional $ XXXX+tax for mileage on this vehicle. I submitted the original rental contract to Chase, however, Chase made to the decision the charge was valid even though I was charged for something that should have been included according to the contract. In the explanation as to why Chase found the charge to be valid, no actual reason was provided and no documentation or explanation was provided on either attempted dispute. 

I believe this was a failure of the Chase dispute analyst to view the supplied documentation and honor the original contract price.
I contacted transunion through a certified letter in XX/XX/2018 asking for written validation of a collection reported on my credit report. I received a letter XXXX XXXX stating the results were verified and accurate and updated. However I did not receive written verification of the debt validation. I contacted the collection agency as well and still have not received the proof of validation. Therefore the debt needs to be completely removed off of my credit reports.
XX/XX/2018 I submitted a letter to Experian which was to follow up on a letter submitted XX/XX/2018. I was told that the courts verified the public record then I stated the US courts doesn't report Public record. then they stated it came from XXXX. I contacted XXXX  they stated that they have not verified any items to Experian.
I believe a business bank account has been opened in my name using my social security number # XXXX or my tax id number associated with my social security number " XXXX XXXX XXXX '' XXXX. My mother XXXX XXXX and Brother XXXX XXXX have used my tax id numbers to open bank account without my knowledge. Can you please close any account related to my social security number or tax id number and send all closing balances to my current address
On XXXX XXXX, my checking account was a victim of fraud. It was debited {$1400.00} causing an overdraft to that account. I noticed it on XXXX when Overdraft protection kicked in for {$200.00} and I received an email notice of same. 
I immediately went into my account and noticed that there was an entry from XXXX that said Banking Center withdrawal at XXXX XXXX , XXXX . I live in XXXX XXXX, XXXX and was not in XXXX XXXX at XXXX XXXX withdrawing {$1400.00}. As a matter of fact, there was only {$1200.00} in my account when the {$1400.00} was given by a teller to an unknown individual. The teller gave this person more than was even in my account! 
I called XXXX  XXXX XXXX Fraud division on XX/XX/XXXX at XXXX and reported same.They asked if I had my debit card and I replied yes. I was given the following confirmation id : XXXX. I was told it could take 60 business days for them to investigate. After XXXX days ( which was on Friday, XXXX, I received a notice in my email from the Fraud Department. They stated that they had determined that the claim would not be honored because the Debit card and pin were used as ID during the transaction. This is an outrageous result! Given that this was a teller transaction, did they view the camera footage?? What investigative methods did they use? My assumption is that at one of their banking centers someone must have had a way to copy my debit card and pin. I have been a B of A banking customer for almost 16 years and this is how they treat me? Not only did they fail to protect the security of my debit card but they released more money than was even in my account to a criminal. PLEASE HELP!
Citi Bank credit card gave me a 24.50 % interested rate when I have a XXXX fico score with all three bureaus and have not missed a payment gone over 20 % utilization on any card in over 8 years. My debt ratio is 40 %. I called them, they could not answer and would not answer me why my rate was given at 24.50 % with an exceptional credit score and history. The manager who said she was recording my voice for some voice print technology which I am against said you won't get that information from Citi it is proprietary. I want to know why they give rates over 20 % to almost perfect credit histories then can't and won't explain it. I want written explanation of how rate was arrived at.
On XXXX/XXXX/XXXX, I fill out and mailed a paper credit card application from Citibank and was approved for a card. On XXXX/XXXX/XXXX, I filed out a second paper application from Citibank which was denied. 
On XXXX/XXXX/XXXX, Citibank 's credit card division made an unauthorized inquiry against my XXXX credit report. This hard inquiry did NOT originate due to a THIRD credit application. I sent a letter to Citibank 's customer service department asking the reason for the XXXX/XXXX/XXXX credit denial. However, I did NOT ask for or suggest another credit pull. No one at Citibank even contacted me to advise of the third credit pull. A legal compliance statement is provided to the consumer upon pulling of credit and this process was completely disregarded.
I have sent certified letters to get my personal info corrected on  XXXX / XXXX /  XXXX   and  XXXX   XXXX  and have also called all   XXXX   of them on. Several occasions to get my personal information updated and inquiry 's removed. I keep getting the run around and they continue to report addresses that are not valid, work history that is invalid and continue to have more than  one  name associated with my account. Several of the inquiry 's are not valid and they tell me to call creditor ... .I sent creditors certified mail and they tell me they can not remove they credit bureau has to do it ... ..I am exhausted with the effort of trying to correct my reports from all   XXXX   major bureaus to no availe
I paid off my vehicle loan with SNAAC, however the very last payment history that was sent to me along with my paid in full letter, reflects very obviously inaccurate data and much more was owed back to me in overage than {$88.00} as can be calculated from the payment history sheet. The principle balance owed and the principle balanced paid have a difference of {$1400.00}, yet only an {$88.00} overage is reported and was paid. Also on the principle balance side of the sheet on XXXX2016 the principle owed reflects XXXX then somehow jumps to {$1600.00} on XXXX/XXXX/2016. Which implies to me that even more than just {$1400.00} was taken from me in overages. Also there are multiple charges marked " other '' that have not been explained to me, my online account has not been updated in months even upon request, and my phone calls have not been returned from customer service about my complaints.
There is a loan reporting on Equifax from XXXX XXXX. I have never taken out a loan with XXXX and Equifax refuses to remove the vehicle and the associated inquiries for this loan. I have contacted XXXX and they provided me with a letter confirming that I do not have a loan and submitted this data to Equifax at the fax number they provided me with. I 've called and disputed this several times to no avail.
You can go ahead and investigate this company. I have been trying to resolve a bill with XXXX XXXX and have spoken to them today on XXXX/XXXX/2016 in regards to my account and they said one thing they never do is put anything on folks credit report if they agree upon or trying to pay off debt.The only reason i had a big bill is because a consumer used my name fraud without my permission saying it will save me money on my bill. We are currently in court resolving this issue. See documents attached. This company has called me NUMEROUS times and i advised them of my situation. As they seem to be understanding however no one has took action nor updated the systems any time i called or a rep called. Then i called again today and told them i will not pay them anything until they take my name off the credit report and they told me they would sue me. I find that really funny because that is against the law not only that only i am able to sue you guys for the many phone calls i received and the lies and miscommunication. i have my notes of every single phone call and rep i spoke with and will show all this in court. I will be reporting them to every single media outlet i know. It is n't right. I want to pay my debt and have no problem doing so but if i am TRYING to do something DO NOT LIE and go behind my back and do something WE agreed upon. Regardless of what i want this off my credit report as i am making payments period point blank.
There is two account on my TransUnion and XXXX credit reports that should not be in collections. I have called the collection agency and they said they have been closed. XXXX XXXX XXXX XXXX both amounts are for {$150.00} dates they were placed is XX/XX/2015 and XX/XX/2015.
The bank keeps charging me fees of {$30.00} a month despite me continually telling them that I want a basic and not a premium checking account. This has been going on for two years.
I have correct information regarding student loans onnmy accounts. However i have incorrect information showing accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, it shows credit cards that arent mine as well with negative balances, it shows diferent creditors for years and has affected my credit score when the only thing i had done was student loans. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless
Wells Fargo Bank reduced my available credit line from {$12000.00} to {$2900.00}. I have a perfect pay history on this ( and all ) accounts. This effectively created a maxed out tradeline, which hurts my credit scoring. I was given no advance warning. This was done because the card was on auto-pay and not utilzed. I am in the process of refinancing my home mortgage and a maxed out tradeline hurts my credit eligibility. 

This practice is inconsistent with consumers ' best interest and harmful to tradeline reporting. This should not be done if tradeline is in perfect standing. 

Wells Fargo refused to restore original credit line without pulling my credit again ( as a hard inquiry ). Pulling my credit as a hard inquiry further lowers my credit rating. 

Very harmful practice to consumers. This is a punitive practice targeting consumers who do n't use the Wells Fargo credit card as often as they would like.
I HAVE CONTACTED XXXX XXXX SEVERAL TIMES ABOUT THEM REPORTING ACCTS THAT ARE PAID OFF, THEY ARE REPORTING THEM AS A BANKRUPTCY AND UNDER WRONG INFO. THEY EVEN SENT ME PROOF SHOWING THESE XXXX ACCTS ARE PAID IN FULL BUT THEY KEEP REPORTING INACCURATE. 
I WILL SUBMIT INFO SHOWING PAID FOR BOTH ACCTS. ALL INFO ON THESE TWO ACCTS ARE INACCURATE..

ACCTS INFORMATION THAT IS REPORTING FALSE : XXXX. XXXXXXXX XXXX XXXX ACCT # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX ACCT # XXXX THEY ARE REPORTING FALSE TO BOTH XXXX   REPORT AND EXPERIAN..
On XX/XX/18, I received a letter in the mail stating to contact them for assistance through the loss mitigation process. I am current on my mortgage and have never had a late payment. On XX/XX/18, I immediately called the number on the letter. It listed a Single Point of Contact of XXXX XXXX. I spoke with her and she stated that she was no longer servicing my loan. I questioned that because I had just gotten the letter the day before. She basically refused to help me and stated she had to transfer me somewhere else. When she transferred me the phone rang like 25 times and no on answered. I called XXXX back, but she wasn't available, so I transferred to someone else named XXXX, who was knowledgeable and helpful. I explained to her that I did not request loss mitigation and I was current on my mortgage. She reviewed my account and confirmed the same. I asked why I received this letter, she stated that someone made an error. An error!? This is my mortgage and they are sending me letters about loss mitigation when I have never missed a payment or requested that. I have had nothing but problems with this mortgage company since my mortgage was sold by XXXX XXXX to them. They had my personal information all jumbled up in their system, they are calling me at work to get me to refinance, and now they are making errors that I requested loss mitigation, when I didn't request it nor have a ever made a late payment.
THERE WAS AN AD SHOWING THAT THERE WAS A FREE TRIAL AND I ONLY PAY THE SHIPPING COST. I PAID THE {$4.00} FOR SHIPPING. ON XXXX XXXX, XXXX THERE WAS A CHARGE FOR {$97.00} FOR XXXX AND A CHARGE OF {$99.00} FOR A PRODUCT CALLED XXXX. I NEVER AUTHORIZED THESE CHARGES. THEY USED MY DEBIT CARD NUMBER AND I WAS CHARGED FOR THESE PRODUCTS. I FILED A DISPUTE WITH ACE ELITE AND THEY REFUSED TO CREDIT MY ACCOUNT. I NEVER RECEIVED THESE PRODUCTS AND I 'M ON A FIXED INCOME AND THEY ARE SAYING THAT THE PRODUCTS WERE DELIVERED. ALSO THERE IS A CHARGE OF {$92.00} ON XXXX XXXX, XXXX FOR A XXXX WHICH IS ANOTHER CHARGE THAT I DID N'T AUTHORIZE. I 'M BEING CHARGED FOR PRODUCTS THAT I 'VE NOT RECEIVED. I FOLLOWED PROPER PROTOCOL AND ACE ELITE IS SAYING THAT I RECEIVED THE PRODUCTS. THESE PEOPLE HAVE SCAMMED ME AND I WANT MY ACCOUNT CORRECTED. I HAVE NOT RECEIVED ANY OF THESE PRODUCTS AND I LIVE FROM CHECK TO CHECK. THESE PEOPLE GOT MY CARD NUMBER AND NOW I 'VE GOT TO SUFFER BECAUSE OF THEIR SCANDALOUS MAKING CHARGES TO MY ACCOUNT.
I have been attempting to gather the correct balance of my deficiency balance for the past 6 months. I submitted a validation of debt dispute with Rausch, Sturm, Isreal, Enerson and Hornik LLC on XXXX/XXXX/2015 through email along with certified mail. The balance of XXXX was incorrect. I received a response to my dispute of the debt from this law office on XXXX/XXXX/2015, in which they indicated that they verified the debt. Once I reviewed the documentation that Rausch, Sturm, Israel, Enerson and Hornik provide. I noticed that the sale proceeds from my car was never applied to my account balance. I reviewed the documentation in 5 minutes and it was clear that the proceeds had never been applied. Based upon my dispute this company continued to misrepresent my debt balance. Once the dispute was submitted it was on this company or the company that retained them to review all documentation thoroughly prior to responding to my dispute. In which this company did not. This is a clear violation of the fair debt collection act, due to the misrepresentation of the balance that is owed. Please be advised that this loan was originated through first investors financial corporation. This incorrect balance has also been misrepresented on my XXXX credit report as well. This is an issue that XXXX has been penalized for in the past.
On XXXX XXXX, 2016, I visited Macy 's XXXX in XXXX XXXX, TX to purchase multiple home goods. During the visit, a salesperson named XXXX repeatedly asked me if I were interested in signing up for a Macy 's credit card with the promise of a XXXX % discount. I explained that I was not interested since Macy 's was already offering XXXX % and it was not worth it to me to save the additional XXXX %. She later clarified and informed me that it was going to be a XXXX % statement credit in addition to the XXXX % that I was going to get off the sales price. I asked her if this would be XXXX % off of everything I purchased, and she stated that it would qualify for all of my purchases that day ( XXXX/XXXX/16 ) and the next ( XXXX/XXXX/16 ). She rung up my purchases ( approximately {$820.00} ), and reiterated that I would receive XXXX % off of what I just bought, she even encouraged me to go and buy a dress and additional items so I could maximize the XXXX % discount up to my approved credit card limit of $ XXXX. The next day, I returned to the store and made an additional $ XXXX purchase in home goods. Later that same day ( XXXX/XXXX/16 ), and in a different department, I explained that I was going to use my Macy 's card because I was going to get almost {$400.00} in a statement credit, and that is when a different salesperson ( XXXX ) informed me that the XXXX % statement credit was limited to {$100.00} only. I told her that was not what XXXX had told me the day before. XXXX empathized and encourage that I complain because it was not right that XXXX had deceptively and falsely encouraged me to apply for a card without stating the {$100.00} statement credit limitation. The brochure for applying for the card, which lists the {$100.00} statement limitation, was not provided to me until after I had already applied, made my initial {$820.00} purchase, and was so excited about already saving, what I thought was going to be {$160.00} in a statement credit. So I agree that the information was available to me ; however, it was not presented to me before applying nor was it stated to me during the application process. Instead, a salesperson blatantly lied to me in order to get another credit card since it 's considered " magic. ''