WillisBack/dataset-financial-user-claim huggingface dataset:
On Saturday, XX/XX/XXXX I was in contact with an individual about the purchase of four electronic tickets totaling {$400.00}. The " seller '' advised that funds could be transferred directly from Chase through XXXX with no issues, and once completed the " seller '' would transfer the tickets to my XXXX account. Transferring electronic tickets is a legitimate practice and the exchange was being done directly through my Chase app, so I believe this was a safe and secure way to exchange funds for a good. The transfer page even indicates the receiving individual 's name and phone number! Once the funds were transferred the " seller '' stated twice that the tickets were sent over, but they had yet to appear in my account. I immediately called Chase to get the transfer cancelled or reversed, but by the time I was able to speak to a representative the " seller '' had already accepted the funds, so I was told by Chase that there was nothing they could do and the funds were unable to be recovered. The only assistance Chase provided was a statement about how customers should only send money to people they actually know, and XXXX is a third party so they have no protections in place for their customers. We then immediately contacted the XXXX XXXX non-emergency line and put in a request for police intervention. The department responded to the request on XX/XX/XXXX and the official report was filed on XX/XX/XXXX. 

I contacted the XXXX Police Department and have filed an official police report and have opened an investigation against the individual in question. I have the JPM Chase transaction number along with the " seller 's '' name and phone number, and was able to secure the " seller 's '' personal identifiable information ( Social Security Number, DOB, address ) through APD. I contacted Chase again today, XX/XX/XXXX to report the official police report and once again seek any assistance, as well as get the " seller 's '' bank information, but Chase will not even provide me with the receiving banking institution 's name. Chase has done absolutely nothing to assist, and I find it incredibly frustrating and ridiculous that they provide ( what I thought was ) a convenient and safe method of transferring money to other parties ( XXXX  ), but are unwilling to assist their long-time customers when theft occurs within their own platform. Myself and my family have been banking with Chase for years and they are the only bank I have ever held an account with, but after this experience question their commitment to their customers. 

I had called Chase within minutes of the exchange, was placed on hold for over 10 minutes, and received no assistance. I find it hard to believe that these electronic transactions are unable to be reversed and resolved. Chase needs to honor their fraud protection guarantee, and needs to provide me with the {$400.00} refund. 

I am able to provide my personal information, the thief 's personal information, as well as the XXXX transaction number. The official police report was filed on XX/XX/XXXX, report # XXXX.
My bank account was charged XXXX overdraft fees when only one should have been charged. XXXX payments posted to the account on XXXX/XXXX/15. These were for {$94.00}, {$17.00}, and {$10.00}. However, Suntrust posted the largest payment first causing the account to go to - {$1.00}, and then proceeded to post the other XXXX payments. Because of this, XXXX overdraft fees were changed. If the smaller payments would have been posted first, only XXXX overdraft fee would have been charged. When contacted on XXXX and XXXX, the XXXX of the XXXX stated that it was there policy to post the largest payment first, even though it may cause extra overdraft fees to be charged. Additionally, they said it was their policy to only refund XXXX overdraft fee, which they did. This is an abusive policy that is only in place to inflect the maximum number of overdraft fees. They said it was so the most important thing will be paid, but if that was the case, the other items should not have been paid because the account was overdrawn. Suntrust should not be allowed to have a policy that is only in place to cause a significant number of overdraft fees when an account goes into the negative.
My wife and I obtained a Home Loan from Bank of America XX/XX/XXXX in XXXX, XXXX We refinance our loan with the SAME bank, Bank of America XXXX to a lower interest rate. We PAID ALL THE FEES Bank of America requested for the refinancing transaction. XXXX HAVE BEEN LATE with our monthly responsibility payments for our mortgage to Bank of America since we obtained our Home Loan in XX/XX/XXXX as well as when we refinance it with them. After 6 years of punctual monthly payments to Bank of America, our monthly payment amount was decreased about three hundred fifty dollars ( {$350.00} ) .This was due to the calculations Bank of America did based on the amount we paid them in 6 years since we obtained our Home loan. Last month, in XX/XX/XXXX, we received a letter from XXXX. This letter dated XX/XX/XXXX, indicates that our mortgage have been transferred to this institution, XXXX and ALL OF A SUDDEN WE ARE SHORT IN OUR ESCROW BALANCE, THEREFORE, THEY ( XXXX ) ARE INCREASING OUR MONTHLY PAYMENTS TO XXXX XXXX XXXX DOLLARS ( {$150.00} ) MORE. My wife and I had never received any prior notification, much lest any CONSULTATION from Bank of America regarding the selling of our Home Loan to a different Institution. We choose Bank of America as our Mortgage Bank BECAUSE OF THE TERMS AND CONDITIONS THEY OFFER US when we apply for our Loan. We had never hear about XXXX before and WITHOUT NO CONSENT from my wife or myself, Bank of America transfers our Mortgage to this other Institution. Evidently, Bank of America is profiting from this FRAUDULENT LOOKING KIND OF TRANSACTIONS. Under any circumstances our Government should allow these Institutions like Bank of America to abuse and take advantage of customers like my wife and I who work hard to fulfill our financial responsibilities. It seems that Bank of America is practicing AGAIN the same kind of deleterious banking practices that many Institutions like them irresponsibly incurred in the near past and brought our country into the most serious financial collapse in recent years. We trust our Government as the REGULATOR AND PROTECTOR of the people against the pattern of arrogance and abuse this Financial Institutions like Bank of America and many other irresponsible ones have. Please advice me and make us feel thatwe can still have TRUST in our system.
I have tried multiple times to lower my monthly loan payments with Navient. At first their system was n't even correctly setting up my autopay even though I set it up correctly multiple time online and emailed them regarding the issue- it still did n't get setup correctly for months. 

My main issue though is that my husband and I both have student loans with high balances. I asked to be placed on an income repayment plan and went through the application process. We have XXXX children and my husband works full time and I work full time. Without a repayment plan, our monthly dues would be close to {$800.00} a month, 25 % of what we bring in a month. We have a house payment that is {$2000.00} a month. At first, the declined our income-based repayment and I had to speak with them multiple times about the issue. Finally, they set us up on a repayment plan that is {$500.00} a month- but this amount does n't even cover the interest and so for 10 years now- none of the student loans has actually been paid- They are actually accruing interest -- even with our monthly on-time payments. 

It so disheartening and unfair for a family who works this hard with XXXX small children. It should n't be legal. It is the biggest scam of our era. I am writing in hopes that someone will be able to assist with solving this huge problem, not only for my family but for the incredible amount of families who are experiencing the same problem. Please take notice and help.
I have at least 5 Discover Cards that I did not know I had,,, For the past 6 years discover has been taking money from MY XXXX and XXXX cards and transferring money to these accounts and form my tow Discover cards>>  They have tried to take money out of my bank  also!!!!   Also  they open a XXXX XXXX  charge card in MY name!!!! And  maxed out the card as they did other cards that the open in MY name>>> wHY is this not illegal!!!!
This all started when I tried of collect on the Payment Protection plan that ALL card holder were required to pay for<<< NY FEDERAL COURT SEPT 2012!!! I am a XXXX Veteran!!!
I am a mortgagee with Nationstar - # XXXX - Nationstar is reporting a defered amount as past due - this is not the agreement I signed at modification - Their website lists the amount due correctly - however to the XXXX credit bureaus - they have reported this incorrectly for more than 6 months - I have repeatedly asked this be corrected and have had temporary corrections that reappear the next months - This is an extreme impact on my credit history - Secondly, I do not understand the Defered amount - I have had my mortgage for 8 years, have never borrowed additional money and owe $ XXXX more today that on the original date - This is a fixed rate - I have repeatedly asked for an amortization or invoice to show the payments and balance - but this remains unanswered - This modification was done - during my XXXX and I do not understand what they have done - Could this be a predatory modification? I have no idea - simply want details -
Rushmore Loan was servicing my home mortgage at XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, we sold the home in XX/XX/XXXX& moved to XXXX  FL inXX/XX/XXXX. I never received my escrow check as I closed out my mortgage with them. I was a victim of mail fraud, provided all the proper documents to them & XXXX XXXX who cleared the check in XX/XX/XXXX. This has been going on for over 6 months without any closure on the issue, horrible customer service on where the case stands. I call XXXX XXXX every 2 weeks & they tell me the case is still open/pending, & no one at Rushmore gets back to me after continuous voicemails & emails to my initial given POC. XXXX XXXX says they can't help me or provide any further details since my dispute/claim is with the issuer of the check of Rushmore. The amount is for {$5300.00}.
In 2013 I had talked with Noll Collection they asked me questions about the debt asked if I had attended the school advised yes then that was it later few months I found out they tricked me into a verbal judgement and they have refused to send me letters of the debt nor have they sent anything about being served for a judgement! They have failed to give mini miranda on multiple times they have threatened that if I do not provide my employer info that they will take any action that they can and hung up on me- They have been rude and unwilling to work with!
I have numerous banking relationship with Chase for many years including some Credit Cards, and auto loan. However, I was late on a monthly payment of {$59.00} XX/XX/2017. 

*I was XXXX XXXX XXXX ( attached Birth Certificate ) *I worked until the last 2 days prior to I XXXX  XXXX XXXX XXXX XXXX * I have enough money in the bank ( attached new address with proof of Fund ) *I also had moved twice during that 6 months period ( attached/proof of Fund ) *I had already notified Chase with my new address prior to my move. And I was late for my monthly payment because I did not received any monthly statement at my new address. 

Chase responded that they have no record of any address update request during that period.
In XX/XX/XXXX and XX/XX/XXXX, I XXXX XXXX XXXX, had reported fraud to all XXXX Credit Bureau. Someone got a hold of all my credit cards and social security number, and was purchasing things in my name. XXXX XXXX XXXX is not my debit. This has been ongoing for 9 years now. If this was my debit I would have no problem paying it, but this is not my debt. Can someone look into this so I can put this behind me? At the time that this happen in did n't know I had to report this to the police and get a police report. I went to apply for something and when they rejected me I asked them why and they told me I had too many negative things reported on my credit report. When I told they what happen they asked me do I have a police report on this, and I said no they told me I should have report it and I did. The law office was provided with old credit report to show that I had a fraud alert on my credit and I also provided police report to both XXXX, XXXX as well as the law office involved in the case. XXXX XXXX XXXX from XXXX in XXXX is my financial counselor helping me ; her phone number is XXXX, you have my consent to discuss the matter with her.
XX/XX/2018 - XXXX XXXX XXXX - {$21.00} XX/XX/2018 - XXXX XXXX XXXX - {$20.00} XX/XX/2018 - XXXX XXXX XXXX - {$20.00} After agreeing to a XXXX XXXX XXXX store credit card offered by Synchrony Financial and purchasing a sectional, I setup autopay and left my account be. 

Turns out, I was being charged from XXXX XXXX each month and I didn't recognize the vendor nor did I ever sign up for an additional recurring service. The CC I used was explicitly used ONLY for the furniture purchase. 

I disputed with Synchrony Financial CC and they transferred me to XXXX who promptly refunded the charges and cancelled the account but I asked them when and where did I sign up for this and they said upon credit application sign up. - This is egregious and dangerous. There are literally thousands of complaints online in forums, review sites, etc ... about this " service '' and it needs to be shut down. Consumers who don't even qualify are essentially automatically signed up for something they never agreed to because a XXXX XXXX XXXX store rep could've helped them " quickly '' fill out the credit form and left this service checked off without the consumer knowing.
While traveling overseas, I called USAA to discuss recent charges on my debit and credit card ( Sunday XX/XX/XXXX ). The representative and I agreed that there was no fraudulent activity on my card and no need for any action. For some odd reason that no one can explain ( after dozens of phone calls ), the representative deactivated my card anyway. I only learned of this on XX/XX/XXXX, when I went to an ATM machine and my card was confiscated. When I first called USAA, I was told, " if you have a problem with the bank that confiscated your card, you will need to work it out with them! '' I could n't believe it. Clearly, this bank only confiscated my card because USAA told them to do so. Numerous phone calls later and almost a week later, I received a new card in the mail - after some extremely unpleasant phone calls. This is clearly an instance, once again with USAA, where the front line personnel is so poorly trained and unprofessional that customers are left without any recourse. Moreover, I have been told that USAA can revoke my card at any time and without any reason. If I am traveling abroad, " I am out of luck. '' According to their representatives, they also have no responsibility to notify me that they are revoking my ATM or Visa Card. They can and will do this at will.
I received a letter from Wells Fargo regarding my online account access on XXXX XXXX, 2016. My accounts at Wells Fargo were losed and I do not have any online account access. I do not trust my information or reords were safe or up to date with the bank.
I paid this company {$290.00} which after reading I now know it was against the law for them to charge me before doing any work. Anyway I paid them {$290.00} on  XXXX   XXXX ,  2017  to remove inquiries off my credit report. They insisted I pay through   XXXX    because   XXXX   wouldnt allow credit repair payments. I now know its all part of their scam. They promised results by that weekend the results never came I messaged them and it was first just excuses then turned to them being rude and almost threatening. I have researched this scammer and have found many people who they have also scammed and they are also filing complaints.
National Credit Adjusters placed a collection account on my credit report XX/XX/XXXX. 
I called the company within days after finding this inquiry on my credit report and requested information about the collections ; was told it was from XX/XX/XXXX. I advised the rep that I was XXXX at the time and also stated this is a fraudulent account and requested it be removed-I was advised by another rep that they talked to someone other than me within my household about this debt on multiple occasions and was told that they will not remove this account. 
Upon reviewing my XXXX report a little further, I have seen multiple payday loans taken out in XX/XX/XXXX which are NOT mine and I have no knowledge of, but these have not been reported as collections. 
I have sent a request to the credit bureaus requesting investigation on removing this account from my credit report. 
I have also made a Consumer Complaint to the FTC regarding Identity Theft.
I financed a automobile, it broke down ( transmission went out ) was told by a repesentive of the fiance company that they would help me out, that was a lie. Then after it being broke down for 3 months I told the finance company to come pick up the car. Owed {$4000.00} at that time, they sold it at auction for {$2900.00} then I never received any bill or statement what was owed. I did a check on my credit, they reported the information wrong. They said I owed {$5100.00} on a one month loan, I disputed their reporting because of errors and they now entered it as a new line of credit and still no bill of what 's owed. I feel they violated the fair credit reporting act. Any help would be appreciated.
They call my personal cell phone at least 2 times per day and now they have started calling me at work which is unacceptable! I work for a large retail store and it is unacceptable for them to be harassing me while I 'm at work.
we attempted to make a purchase @ XXXX XXXX and it was declined on our BOA debit card. we used another credit card and paid for the purchase. When I checked my BOA account the funds had been debited EVEN THOUGH THE TRANSACTION WAS DECLINED AND WE PAID BY A DIFFERENT MEANS. I called BOA, they said they would return my call in 8-10 minutes, it 's been 2 hours and I have not heard back from them. So BOA has basically STOLEN over {$200.00} from my account. # 1 ) there was over {$1400.00} available funds so the transaction should have not been declined # 2 ) if a transaction is declined why is the money taken out of my account? That 's STEALING. It will take days for me to get this money back and I have bills to pay and need that money. It is a checking account, not a credit card so this is MY money! Even though it says it " processing '' I still do n't have access to these funds.
On XX/XX/XXXX, I closed a refinance loan with Quicken Loans. During the process Quicken Loans estimated my taxes incorrectly. They based the tax amount to be paid on the taxes which were paid during the previous year ( XX/XX/XXXX ).  This proved to be a huge error as my home was a new-build during the previous year and the tax rate was significantly different.

On XX/XX/XXXX, I received a letter from Quicken Loans informing me that I was required to pay {$4500.00} to their company as a result of " changes in my taxes or insurance ''. Quicken Loans gave me the option of paying a lump sum for the full amount or dividing the amount into 12 payments which would increase my mortgage by {$640.00}. The increase in payment was to begin on XX/XX/XXXX. Since that time, I have spoken to several Representatives at Quicken Loans XXXX XXXX   number. The only other option I have been offered is to spread the amount 24 payments. I have reluctantly agreed to after much discussion, debate, and dispute. I have offered their representatives many different solutions, all which have been denied.

Even after spreading the shortage amount over 24 monthly payments, I am still going to have to pay approximately {$450.00} more a month on my mortgage. I do not feel that my family and I should have to experience the hardship created by the error Quicken Loans committed. Especially since the tax rate in my city and county can be easily figure it out by running a simple XXXX search.

I also feel cheated as the huge difference in payment lured me to refinance, which resulted in my agreement to pay unnecessary refinancing fees and costs. I even wonder if Quicken Loans Representatives used this error as a tactic to entice me into their fees.

I am hoping that you're Bureau can assist me with this matter as I feel that I may experience a very extreme financial hardship due to the above error.
I was reviewing my credit information with all  XXXX  services and noted that  XXXX ,   XXXX   and TransUnion are reporting a judgment on my credit report. The judgment was satisfied 3 years ago ( via a payment plan ), and is no longer accurate. I called  the County  Recorder of deeds in  my county (   XXXX   XXXX , NY  )  and they stated per the  XXXX  Department of Taxation that they do not report tax liens or the status to Credit Reporting Agencies. I then consulted the  XXXX   taxation  website and verified that the  XXXX  goverment does not report tax liens/warrants to Credit Reporting Agencies. On XX/XX/XXXX I called   XXXX  ,   XXXX   and Transunion to dispute that a current tax lien satisfaction is being reported by the  XXXX  Taxation or  XXXX   XXXX  recorder of deeds. Transunion,   XXXX   and  XXXX  contended the information was accurate. I additionally, informed TransUnion that the information from their specific report states that the records are furnished by  XXXX   XXXX . I informed them this information was inaccurate as I do not reside in  the county  of  XXXX   XXXX . I have attached the  XXXX  Taxation document stating they do not report tax warrants/liens/judgments to credit agencies and inaccurate information can be disputed.
I received a cashiers check in the amount of XXXX It came special delivery through the mail. The date on the check is XXXX XXXX. It did n't have any documents attached. I enter a lot of online sweepstakes and contests so I thought it was in connection with that. I took the cashiers check to my bank and told them I was n't sure of where it came from. However it had the correct spelling of my name and the correct address. The tellers checked out the water marks and said it looked good to them. I told them I wanted to deposit the check and told them I did n't want any of it until it cleared. It cleared the next day but I waited a week making sure the check had cleared. I was told again it had cleared so I took out the full amount. I gave some of it to a needy friend and some to my Son for clothes. Paid off some bills etc. Well a day or two passed and all of a sudden the check is not good. I have my checks direct deposited to the account. I use the money to pay the rent. The bank put me at fault taking every penny out of my account for 2 months leaving me with nothing. I feel first of all that the bank is at fault and should not be allowed to just take my money. I was told more then once and waited long enough that the error is the banks. In order for my Son and I not to become homeless I had to sell my car. I have been a wreck over this. They took everything from me. So now I 'm out my money and my car, Cashiers checks are paid for when issued. How can it be good for a week and just go bad? How am I responsible for the banks mistake? This is totally wrong in every way. Please help me on this issue. 
Thank you very much