WillisBack/dataset-financial-user-claim huggingface dataset:
Hello my name XXXX XXXX XXXX. I have an account with Chase Bank. I am writing this letter to inform you of a harsh and uncalled for experience that was meted to me at a local chase bank on XXXX XXXX XXXX XXXX, XXXX Texas XXXX on Saturday XX/XX/2018. 
I went to this location ( XXXX XXXX XXXX XXXX, XXXX Texas XXXX ) to withdraw money from my account. The amount I wanted to withdraw was a little over ten thousand dollars. 
Before going to the location, I checked my online access and it indicates the availability of the funds. However on getting to the location, I was surprised that the Chase Bank representative on duty XXXX XXXX XXXX informed me that the funds can not be disbursed to me. I asked to find out if there was any hold on my account but she informed me that there was none. She gave no special reason why the funds can not be made available to me. 
Even after giving her all the required valid identification, she still refused to disburse my funds. 
I left that location and drove ( few minutes ) to the XXXX / XXXX XXXX location ( XXXX XXXX XXXX, XXXX, TX XXXX ) which is within a 10 minute drive interval. The funds were made available to me at this location ( XXXX XXXX XXXX, XXXX, TX XXXX ) without any difficulty. 
The whole incident did not feel alright especially considering why XXXX XXXX the Chase manager refused to disburse my funds. 
My observation is that XXXX XXXX XXXX attitude to me is a text book version of racial profiling. She did not have any reason for denying disbursing my funds. She never complained of not having the said amount to disburse. I feel racially profiled by the Chase Bank representative. Since Chase Bank has the same policy overboard, why did the other branch down the street disburse my funds without asking questions in a 10 minute interval? I feel the Chase Bank representative is choosing and picking her customers based on her personal mundane reasons. She may have been wondering why I was withdrawing the earlier stated amount of money. It is because of this reason that I am bringing this to your attention. 
Sincerely, XXXX XXXX, XXXX.
My husband has co-signed for my daughters student loans through Discover for 3 1/2 years. She has 2 semesters left and Discover has denied my husband, myself and dad the ability to be a co-signer. All have good credit and both my husband and dad have accounts with Discover that are current, and the FICO scores on each of their statements indicate they have good credit scores. 
I have called Discover and they can not tell me why all XXXX co-signers have been denied. I feel it may be related to a personal loan request, in which they denied my husband, but offered my dad and he refused after they kept losing his paperwork. If this is the case I am not sure why they even offer student loans. The loan is in my daughters name and her responsibility, with the understanding we will pay the loan if she defaults. We also had the understanding that no payments were necessary until after she graduates. I am in the process of paying off my student loan and then we were going to start paying on hers when mine was paid. 
I feel Discover owes my daughter an explanation as to why suddenly they can not offer her a loan. She has done absolutely nothing wrong in this matter. She is just trying to complete a degree so she can attend graduate school. 
I have contacted them over the phone and each time I just end up with a customer service representative who reads from a screen. Discover does not live up to college loans services as they advertise and I hope this incident can put them back on the right path.
I contacted American Express to take advantage of their 0 % Balance Transfer offer on their Amex Credit Card. When I signed up for the card, the representative told me that the maximum amount that an individual could balance transfer was {$7500.00}. I asked if this limit could be increased to {$13000.00} because I wanted to balance transfer {$13000.00} from my XXXX Credit Card and he told me no, but that I could apply for a second card and put {$7500.00} on each one. So that is what I did. My second credit card application was declined so I called American Express to find out why. This representative told me that I couldn't apply for the same credit card twice, but that if my wife applied for the credit card, that I could balance transfer {$7500.00} onto my card and she could balance transfer {$7500.00} onto her card. So that is what we did. I applied for the balance transfer and it went through right away. My wife applied for the balance transfer and it was " pending ''. After several days, we called American Express and they cancelled her balance transfer and resubmitted. After a few more days, we called to ask why and nobody could give us a clear answer other than to wait a few more days and to call back if I didn't go through. After several more days, I called in and demanded to speak to a manager. After being told they would have a manager call back, we waited 3 more days ... no call from a Manager. I called back last Friday and demanded to speak to a Manager. They assured me that a Manager would call back by the end of the day. After waiting 6 hours, I called back and refused to get off the line until a Manager answered my call. When he did, he informed me that you couldn't do a balance transfer from the same credit card more than once. This response is completely unacceptable. Now my credit card payment is due, and I'm going to be stuck paying hundreds in Interest charges because they did not allow a balance transfer that I was told by two of their representatives, could happen. On top of it all, their suggestion was to have my wife balance transfer the amount to a different credit card which we reluctantly did in the heat of the moment. 30 minutes later, we called back and told them to cancel that Balance Transfer and that we DID NOT want it to go through. The representative provided us with a confirmation number and assured us that the balance transfer was cancelled. She asked us to call back in 48 hours to confirm. 2 days later, my wife called back and she was instructed to do and they told us that the balance transfer went through. Now my wife has a - {$7500.00}  balance on her XXXX  XXXX XXXX card and a {$10000.00} balance on the American Express card. This is FRAUD and this is complete and total XXXXXXXX XXXX XXXX XXXX.
I recently noticed several ( 5 ) accounts listed on my credit report from a debt collector, Lanier Collections, and I do not know anything about these accounts nor have I received medical treatments from the entity they are representing. I am not responsible for these fraudulent accounts.
I received a pre-approval from Best Egg. I submitted the information ( SSN, income, etc. ), to which I was instantly approved for {$21000.00} ( with the specific comment that {$20000.00} will be deposited into my checking account ). A few days later, only {$20000.00} was deposited. I immediately called Best Egg to inquire about the difference, and was told " since you have no proof, there is nothing we can do to help you ''. I HAD taken screen shots, but the way Best Egg produces information on the screen, when I went back to the screen shot, it auto-directed me to the website, and since my ID/password are saved in there, it logged into the funded loan ( showing only the {$20000.00} deposit ). I had nothing to provide, since Best Egg wanted proof ( assuming I 'm a criminal, I guess ). 

Then, last week, I received a letter from Best Egg that specifically states, " We hope you 're enjoying your Best Egg loan. It has come to our attention that, due to a system error, the pricing notice that was presented to you when you applied omitted your credit score. We apologize for this error, and we have enclosed a corrected copy of the notice for your records '', which tells me there was a computer/system error in which my credit score was not taken into consideration ( thus higher pricing ). Then, after the loan was approved and about to fund, they must have realized my loan was priced incorrectly, and increased the fees by {$400.00}. 

I just called and spoke with Best Egg about the issue ( for the 2nd time ). I explained that I received the letter last week that clearly states there was a " system error with the pricing notice '', though, she tried to say that the letter has a different meaning. I re-read the letter 2-3 times to her, and we just simply had to agree to disagree. Again, it 's the use of " due to a system error, the PRICING NOTICE that was presented to you when you APPLIED omitted your credit score '' -- pretty clear to me. 

She finally said unless I could prove to them that I was disclosed the {$20000.00} during application, there is nothing she can do. I asked if I was her mom, or brother, or other family member, and this happened, how she would resolve it, and she said through the technology department. I am confused why she did n't transfer me over there so they can research my issue. 

Bottom line : this is bait and switch! I applied for the loan, and was approved ( based on fees of only {$700.00} ) ; then, after I accepted the loan ( with only {$700.00} in fees ), someone noticed the pricing error and simply added {$400.00} in fees. I want those {$400.00} in fees either deposited into my checking account ( as initially disclosed to me ), or a principal reduction of {$400.00} to my outstanding loan balance. This sort of shady lending has GOT to stop! I already swallowed a big pill to accept this crazy-high interest rate, but the double-punch of the {$1100.00} in fees is simply unacceptable! 

Word of advice for anyone applying for any type of loan from Best Egg, PRINT EVERYTHING! Do not assume anything will stay, as this lender is motivated to hide and cover up their mistake, so that they win. Please, CFPB, do n't let them win!
I 'm having problems receiving mail from my mortgage lender. I 've been trying to get a modification on my loan for several months. The only way to know where I stand in the modification process, is by phone. In the last three weeks, I have been unable to get return calls. I was informed a month ago, by one of the acct managers that they had my mailing address incorrect. As of today I still have n't received any mail concerning their decision. I am having problem contacting my acct manager.
On XX/XX/2018 I received a bill for XXXX from Chase XXXX XXXX XXXX credit card. I called them at XXXX and was told it was for a annual fee that I got the first year for free and after that it automatically charged my credit card XXXX. I was told a bill was sent XX/XX/XXXX but I did not receive a bill. An interest charge of {$.00} was added to the XXXX charge because I didnt pay the bill in XX/XX/XXXX. Absolutely no communication was sent to me prior to the charge. I dont have this card and if I was going to be charged for a fee I wasnt aware of it. The guy I spoke to said it was in the fine print in the paperwork that came with the card over a year ago. Ive never used it and didnt know I even had it. When I try to setup an account online it asks for my social security number and I dont feel comfortable giving that out. When I said I wanted the card cancelled, I was told Id still have to pay the {$49.00} since it was more than 90 days when I called them. So they agreed to cancel the card but I still had to pay the {$49.00}. So Im paying for something I dont have. Can anything be done
I cancelled my XXXX ( mifi ) service in XX/XX/XXXX. XXXX continued the service and continued billing me for three months after contacting them XXXX times. They show that I owe {$110.00}. I have sent letters, community care posts, made phone calls, sent proof that I did not use the service, and told same to collection agency. They stopped calling and sending collection notices for a while, but started again ( XX/XX/XXXX ). XXXX is still showing money owed and the debt / collection is now on my credit report.
On  XXXX , I made an express bill payment at  XXXX  through  MoneyGram. The   payment amount is {$2400.00}, fee is {$8.00} and total is {$2500.00}, Biller Name is '  XXXX   XXXX   XXXX   XXXX   '. The payment is never posted. On  XXXX , I called  MoneyGram and   was told by customer service that no transaction was found. On  XXXX , I went to the   XXXX    store and was asked to call  MoneyGram about this transaction ; I called and this time I was told that MoneyGram is holding the money due to lack of payment information. I confirmed with them the payment account number and was told by the customer service representative that the payment was sent and would talk up to 3 business days. But to date ( after 6 days ), I s till have not seen the payment posted to my account.
The answer to the complaint XXXX is totally wrong. There is no correlations between the deposit between XX/XX/XXXX and the deposit on XX/XX/XXXX. Both of them come from a XXXX XXXX account, but from different CHECKING ACCOUNT. One of them is Personal and the other is Business. I do not receive my money yet. 

My complaint is about the deposit on XX/XX/XXXX, The check number is XXXX. 

Please, feel free to verify the information provided by me in the attachments.
At XXXX XXXX request I am submitting documentation affirming the delinquency posted for this account incorrect and a has had a negative impact in my credit bureau postings. This demonstrates delinquencies in fact have been updated ON XXXX report as of last XXXX for an account that has been paid off. This dropped my XXXX score 36 points from XXXX to XXXX as documented in the attachment I am asking all credit bureaus be updated with the correct information as stated in XXXX XXXX Response to CFPB XXXX : Stating they sent the customer a letter advising that our records reflect the account charged off on XX/XX/14 and was settled for less than the full balance on XX/XX/14, which is the same information we are reporting to the credit reporting agencies. We request the customer provide us with a current copy of their XXXX  credit report reflecting delinquencies in the past 12 months which has been pasted in to my attachment
Ive tried numerous times in writing and phone calls to retrieve my free annual credit report to no avail..the information they have is incorrect such as ..i had bought a house ..i cant get past the questions to retrieve my report..
I've recently went through a significant reduction in income due to a re-organization at my employer that resulted in me having to accept a position with lower pay. This has put me in a tough position financially and I am unable to make ends meet. 
On XX/XX/2018 I called USAA to ask for help with regards to a financial hardship program. They stated I did not qualify because I was not past due, and to call back when the account was past due. on XX/XX/2018 I called back as the account was now past due but they advised me that I still did not qualify and were unable to tell me why. I am extremely frustrated as I am trying to not let my finances spiral out of control but without a little bit of cooperation from my creditors I will not be able to continue to hold it together and make my basic living expenses. I have cut down drastically on my unnecessary financial expenses and I am still barely getting by.
Equifax knows about a security breach affecting nearly half the population of the United States and says nothing for at least a month. Why do I have to learn about this through random posts on social media? Why did they try to hide a arbitration clause in the site simply meant to inquire if I have been a victim?
On XX/XX/XXXX called Wells Fargo and inquired about when my PMI would end. They told me three criteria, 2 of the 3 I will meet by XX/XX/XXXX but they then explained that the third criterion, to have a 78 % loan/value I would not meet until XX/XX/XXXX and that my home could not be appraised. I explained that the value of my home has nearly doubled in two years, I exceed 82 % loan/value at this time, conservatively. They then explained that this money is paid to XXXX and that I should contact them to inquire further. I contacted XXXX, spoke with a representative who told me I would need to call the Federal Trade Commission at XXXX. The Federal Trade Commission representative said that was incorrect, which I suspected, and referred me to the Consumer Financial Protection Bureau who explained the typical qualifications to end PMI payments, including that I can request " in writing that PMI is stopped when the home has 80 % loan/value ''. This detail was not mentioned by Wells Fargo on two separate occasions, but I already knew about this from my initial lender.
XX/XX/XXXX I notified Experian that XXXX XXXX in the amount of {$850.00} and XXXX XXXX in the amount of {$7600.00}, XXXX  in the amount of {$57.00}, XXXX XXXX in the amount of {$76.00} and XXXX XXXX in the amount of {$180.00} was being reported on to the credit file that they maintain under my social. I have also previously informed Experian that I was a victim of identity theft. Experian fail to investigate this manner as Fair Credit Reporting Act Section 605B describes that they do. These accounts do not belong to me and have not given proper documentation to me validating these accounts nor did they inform me that they were being place anatomy credit file. There are NO CONTRACTS AND nothing bearing my signatures that they can provide so how in the XXXX is Experian validating these accounts. These accounts were open as a result of identity theft and needs to be deleted.
Synchrony Bank continues to call my home and business 3-4 times per day harassing me for not paying the enormous late fees they have tacked on some of my credit cards. I have told them to stop calling my home and my workplace multiple times a day for 50 days now, they refuse and continue the barrage of harassment. 
My boss is very unhappy about these phone calls. I could lose my job over this.They tell my co-workers they are debt collectors. How humiliating is that? 

I even made more than minimum payment to try to stop the harassment, but they want those excessive late fees made up, that is why they continue to harass me after I tell them to stop. I told them it is illegal to phone me after I told them to stop, they just laugh, and continue to harass. Debt collection is outsourced by Synchrony Bank, foreigners are doing the harassment.
On XX/XX/XXXX I became aware of a company by the name of Ideal Collection Services, reporting a debt of {$94.00} on my credit report. I immediately reached out to the company via certified mail to get further details and clear up any errors. The company then responded by sending me a copy of XXXX page from my lease agreement, which still did not justify or prove the debt is owed. After receiving the response letter, I reached out to the company by phone. I informed them that they were in violation of reporting a debt that I did not owe and asked them to provide details on the debt. The representative had no explanation for what the debt was owed for, however kept assisting that I owed it. I requested to have the address that notification was sent to and the representative did not have my current address either. I advised them that I had moved from the property in question XX/XX/XXXX, and satisfied my lease in full. It made no sense that two years later a debt collection company would be reaching out to me regarding charges that can not be validated or explained. I also reached out to the Property via email and received no response. Ideal Collection is still currently reporting the debt even after being notified via certified mail, that I do not owe the debt. The company also has no explanation of what the {$94.00} debt is for and is still requesting a payment. This is violation of the FDCPA, and by reporting it is also a violation as well under the FCRA. I have attached a copy of my communications sent to the company via certified mail.
I believe I filed complaint against MCM or Midland Credit Management before.. They are one of several debt collection buyers who were allegedely collection debt on behalf of XXXX. I wrote to XXXX directly and receive and positive response. Stating that XXXX does not report to credit bureaus. So since when collection agencies have more to say than the original creditor? I read all the federal rules about reporting and collecting practices. I also noticed among several of my collection letters that that dates of last activity keep changing. I believe that 's illegal. This particular account according to XXXX XXXX letter only existed one month from XX/XX/XXXX - XX/XX/XXXX. The balance of {$1600.00}. XXXX includes activation fees, third party downloads, etc.. Also in another letter to MCM I attached a class action letter including my account as being part of XXXX fraudulent overcharges. Yet this debt buyer has the nerve to constantly herrasse me ( XXXX woman )?!! I will send you this official XXXX letter of or when needed. I have a claim with the government class action suit. So maybe they need to pay me for all the misery, hassle and worth ending of my health XXXX XXXX XXXX survivor ).
I need your support. I have XXXX credit cards issued in my name from Synchrony Bank. I am regular payee of all my debts and there has been never late payment charged. However both my account has been closed without informed me and without giving any justified reason. When called up the bank they informed me it account has been closed because of security issue. However they informed me any security reason. Also there has been no mail communication for said reason. Because of this my credit score has been degreed and these inquiry remain 2 years in my credit score. This is a mental harassment for me as I have been deprived. 

Request you to kindly help to get this sorted out with the bank.
ok so i send out a letter to the company XXXX XXXX XXXX XXXX XXXX ... ... debt is Not recognize by me. they have send letters to come a agreement but i just ignore them. The debt aomunt is XXXX and the date goes back to XX/XX/12. so i aslo send letters out to Transuion/ XXXX /XXXX. So on my credit report the olny one that still show up on debt is Transuion. The rest of the reports the debt was erased. i need help for this debt dose not show up on my credit report no where/ Transuion.
I have a new collection account on my credit file that i have no knowledge about. I was never given a DV and i also have no knowledge of the debt the collection agency had no right to report on my credit file with out giving me a DV the collection agency is XXXX XXXX for {$96.00}
I received an email displaying a dept store statement which had an inaccurate balanced on   XX/XX/XXXX .  I called the dept store and spoke to an agent and told her that I did not place that large purchase for {$850.00} at   XXXX   on   XX/XX/XXXX  . She corrected the balance and said that she will send me a new card. I went to   XXXX   XXXX   and checked for any other fraudulent activity and noticed on that same day ,  XX/XX/XXXX ,  there wer e    XXXX   other hard inquiries done without my consent that someone else had did.      XXXX /  XXXX   XXXX    XX/XX/XXXX  &  SEARS/CBNA     XX/XX/XXXX . I also n oticed an inquiry from   XXXX     XX/XX/XXXX   from  XXXX   XXXX   XXXX   XXXX  was done without my consent. I tried calling but I could not get through.