WillisBack/dataset-financial-user-claim huggingface dataset:
I deposited a check from my mother for {$1100.00} onto my Chase checking account. Chase froze and shut down my account without so much of a call, text or email. They refuse to allow my to get to my money, including the money I had in my account before the deposit. They withdrew the money from my mother 's account even though they claim they could not verify if the check was authorized. They refuse to release the money to me and they refuse to give the money back to my mother. This has been the most stressful and scary experience I have had with a bank that they can just take your money from you and there is nothing you can do about it. 

Here is a timeline of what has happened : XX/XX/18 Deposit check for {$1100.00} from my mother, on Chase via mobile banking. Check begins processing. 

XX/XX/18 Bank account balance falls to $ XXXX. Insufficient funds notice email. They shut down my entire account without so much as a phone call, email or text message. 

Call chase and redirected to fraud department. Discuss with Fraud people the contact information for my mom. I give them her number. They try to find her number in their database even though she has never had an account with them. It won't show up. They say they can't help unless they can reach her over the phone. The number I supplied them with is the number that her bank uses. We established that check may still go through. The check is still processing. Chase doesn't stop the check. 

XX/XX/18 Call again ... call drops and they never call me back. 

XX/XX/18 Proceed to wait, hoping that the next day, Monday, the money will finally clear. 

XX/XX/18 The money is cleared in my account. It is withdrawn from my mothers account however I am still locked out of my account. I am not even allowed to withdraw money I had in the account previously before this incident. Chase refuses to return the money to my mother. They won't refund her the money. 

XX/XX/18 I call again and escalate it to a supervisor. Call drops and I never get called back. Call again, speak to another supervisor. I ask to speak to that supervisor 's supervisor. That person tells me that my mother has to go to the US Embassy in the country she's in to have a notarized letter sent to Chase that she authorizes the check. My mother lives in a country where there is no US Embassy and she is not going to fly somewhere just to do this. I tell Chase that they have to give the money back. They try to tell me that XXXX XXXX XXXX, where the check is from, has to stop the check. XXXX XXXX XXXX can not stop the check because Chase has already taken the money even though they claim that they can not confirm if the check is authorized or not. 

XX/XX/18 My mother files a complaint with the CFPB on my behalf. 

XX/XX/18 I speak to XXXX from Chase Bank Executive office, he says he is monitoring the case and he will be helping me. Does absolutely nothing to help me. 

XX/XX/18 My mother get 's an email about being an unauthorized 3rd party filing on my behalf. I then file the complaint myself.
XXXX client, XXXX is a victim of identity theft. He was notified by your Chase/XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his credit reports with XXXX, XXXX and XXXX XX/XX/XXXX related to that application. A formal dispute of that application was sent to Chase/XXXX XX/XX/XXXX, as of this date no reply from ChaseXXXX has been received. This is a violation of the FCRA and my clients consumer rights.
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2010, 60 days XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
T his reporting agency is reporting inaccuracies on my credit report. They are reporting a bankruptcy that IS NOT MINES! I have sent TransUnion SEVERAL dispute request as well as filed phone disputes. I have been lied to on several occasions stating that an investigation to VALIDATE the bankruptcy has been done, but NO documentation has been provided to me where TransUnion has received validation from the the courts. Ive provided documentation from the bankruptcy court as well as XXXX who they utilize as a data furnisher proving that it is not mine and they are refusing to remove it. I spoke with a supervisor today who informed me that they will not remove it even after providing the appropriate documentation from THEIR DATA FURNISHER investigation deleting the record ( not mines ) as well as documentation received from the courts. I was also informed on the same call that they dont Request get validation of debt documentation from the court which is an outrage. So I was basically told that the debt can not be validated but they will still report it! Ive scheduled several callbacks for a supervisor, but that has not worked out asthey were supposed to call me months ago and I have yet to receive a callback! They are just doing what they want to do and this is an outrage! All supporting documentation has been sent and they are still refusing to remove the inaccurate information
On XX/XX/XXXX, I sent a letter to Equifax asking for validation of debts on my credit report. They received my request XX/XX/XXXX and I gave them enough time to do an investigation, but they never responded back.

I sent a second letter on XX/XX/XXXX asking for details, such as how they are verifying the debt, who is in charge of my account and what documents they may have used to verify any of the debts listed on my credit report. I also asked if they could not validate the debt, then they are required under law to promptly delete the information. They received this request on XX/XX/XXXX, but did not respond within or after the 30 days of the return receipt.

I sent a third letter on XX/XX/XXXX asking for the removal of all the derogatory items on my credit report as they did not follow validation of debt procedure and failed to respond twice. I did not ask for validation, but rather the deletion of all derogatory information that was disputed.They received my letter on XX/XX/XXXX and I still have not heard from them.
my credit reports were fine up to about 1 yr ago when all of a sudden a XXXX XXXX charge showed up stating that I owed them {$2600.00}. I never had a credit card with XXXX XXXX XXXX that ever had such a high limit. I had smaller ones and they were all in force around the same time and all paid off. when I put a dispute in I never got anyting. how can they just let something appear on the report, no record of payments no record of charges nothing just an I owe them this money. I have tried to dispute with XXXX XXXX and all I got was a collection letter. this is really hurting my credit all reports. its not mine.
I have recently disputed my dismissed XXXX from EX and they 've deleted it! But it 's still being reported by these XXXX XXXX XXXX XXXX XXXX ... Attached to this is proof that this was deleted as of XXXX XXXX XXXX. Please follow suit and delete this for accurate reporting. It must be deleted in order to show my true credit history.
Experian, XXXX  and XXXX will not show me proof of validation of a bankruptcy showing on my credit file. I have disputed with all 3 bureaus multiple times and they still will not show proof. And I need  something done about this especially when they will not validate proof
I borrowed {$27000.00}, have already paid {$18000.00} and still owe {$32000.00}. Much like so many of my peers, I am so overwhelmed with by the weight of my student loans. I have been paying more than the minimum payment, on time for over five years. I get extremely discouraged when I see I still owe {$5000.00} more than what I originally took out. Every three months, the interest rate rises. The interest rate is now up to over 12 %. Interest accrues daily, and my payback amount goes up every month. These rates are despicable and should be illegal.
As a teenager, going into college, the financial aid department and loan companies assure you, once you graduate you will be able to pay off these loans. I was ignorant to believe this. I did not know I would be paying back double what I borrowed. I think the schools and loan companies need to be more transparent and educate students on these terms.
At a time when young people should be planning their lives, many now are faced with inescapable lifelong student debt which sucks away most of their disposable income. Many in our generation wake up every morning and realize that we will never be able to afford a car, a home, health insurance, or even to start a family. The American Dream? Gone.
I received a phone call at my place of employment on XXXX/XXXX/2016 at XXXX ( CST ) from XXXX Credit from phone number XXXX. The representative did not verify the identity of the person she wished to speak to nor did she provide the statement with regard to the attempt to collect a debt. She proceeded to tell me that I owed {$6000.00} and if they did not secure an arrangement it would be forwarded to an attorney. I informed her that I am absolutely not aware of the debt she is referring to and that if she though the debt is valid, they must provide a letter in writing to me advising me of the debt and that I have 30 days to dispute or confirm the validity of the debt. As the conversation proceeded, it turns out that she is looking for someone else that has the same first and last name as I do ; however, the middle name is different. Additionally, she provided the other person 's name, address and last XXXX digits of their SSN. Even after I told her that she has the wrong person, she asked to be transferred to my HR manager/department which I refused. This is unacceptable that that they would be contacting someone 's place of employment and also contacting the incorrect person and harrassing me at my job. This company also has several recent complaints at the following web link - XXXX
These people bought my mortgage a few years back, and are the worst I have ever seen in terms of customer service, and that is quite a statement. 
I have run call centers/helpdesks for some time now, and if my staff or response times were anything like this, I would expect to be fired. After waiting 15 minutes to speak with someone, I had a complaint about a fee they wanted to charge me for a piece of basic information ( payoff quote ). I asked to speak with a supervisor, and was told that none were available ( strike one ). I was told that I would be given a call back - when I asked what the timeframe was I was told 72 hours ( strike two - three days, really )? 

Strike three was when I was told that " supervisors do n't leave messages for people if they ca n't get in touch with them '', this in response to me saying that I had never heard back about another complaint I had with them a few months ago. I was told that someone " tried to call me '' three times, but did not get me. Absolutely pathetic - I have no missed calls or messages from them. 

At the end of the day, I need this information to get away from this pathetic company, so I will pay the fee. Exactly what they are counting on me ( and XXXX other customers ) doing because they assume that we will just " go away '' when there is no available escalation path within the timeframe that we need the info in.
On XX/XX/2018 I noticed a late fee ( {$38.00} ) and service charges ( {$12.00} ) on my credit card after just making a payment. My payment was due on XX/XX/XXXX I paid the balance which was {$1300.00}. I used the companies online banking to make the payment. I have several accounts with PNC they include mortgage, unsecured loan, two credit cards, and a checking/savings account. I also have an investment portfolio with them. All of which I can access through online banking. XX/XX/XXXX I was in the credit card potion of online banking to make a payment, I had two options Schedule a payment and Pay today. I selected Pay Today, selected pay balance and clicked submit. The bank reported my payment as coming in on XX/XX/XXXX, four days late. I called customer support and asked how this could be. The answer stunned me and sounded nothing short of fraud. They said that there were two reasons it was late. First they claimed I paid after XXXX eastern time and second that they used a third party to make the payment. The third party then sent them a check. I was told if I wanted it to be credited that same day I should have gone to the transfer funds page to make the payment. So the Pay Today button did not make the payment that day as you think it would have being called the pay today buttom. Keep in mind all these accounts are with PNC and for the Pay Today option they use a third party? They claimed that when I used the Pay Today button that it would have told me the date it would arrive and warned me about paying before XXXX. I checked and it does give you that information in very small print way off to one side and in lettering close to the same color as the back ground. I was not sure what time I made the payment but knew I used the Pay Today option on my due date. I asked them what time I paid, they said they had no way to know but it must have been after XXXX because I received the late fee. I was told it was my fault and the fees would not be refunded, I asked for a supervisor and was transferred to a senior credit card associate who denied the refund as well. I asked to be transferred to online banking to see if they could tell me when I made the payment, they could not so I was transferred back to credit card services. After going back in forth with a new consultant, I was informed that she would ask her manager to reverse the fees and I should see the refund on the account in by XX/XX/XXXX. She said she could not guarantee it but felt strongly that it would happen and from that point on in the conversaion she used words like when and would in realition to the refund. After not seeing the refund on the XXXX I called and checked on the status of the refund and was told I did not qaulify for a refund. I was also charged a late fee ( {$270.00} and service fees ( {$9.00} ) in XXXX for the acact same reason, only I had not realized those charges untill they told me about them when I called on XX/XX/XXXX. I feel the Pay Today option is missleading with the intent to charge late fees and it is impossible to reach a real supervisor of any kind.
On Tuesday XX/XX/XXXX en route to my office building, I was hit by another vehicle who ran a red light. At the scene, I was transported to the hospital for injuries and my insurance company XXXX immediately began No-Faults claim to my incident. 

XXXX has received a payoff letter from XXXX XXXX and the amount I owe is substantially more than what XXXX is offering. When I called XXXX XXXX, I spoke to a representative who was able to review my loan docs and stated that my application had to be returned because the GAP application was missing. Upon reviewing the document, I can tell it was completed by the dealer and signed by the dealer. The signature does not look authentic. In addition, the name used was " XXXX XXXX '' whereas all other documents concatained by government name XXXX XXXX. 

I am seeking help and retribution to the GAP Insurance that should have been included in my auto loan. This was not my first vehicle i've purchased. I believe the dealership may have done some evasive maneuvering to exclude this from my loan.
XX/XX/2015 I filed a chargeback with Chase bank.  On or about XX/XX/2015 XXXX rejected the chargeback due to fraudulent statements made by the merchant.  Currently, the merchant still retains the XXXX in question by violating federal banking laws.  Sadly XXXX and chase bank are condoning white-collar crime and attempting to persecute the victim me.Furthermore, Chase Bank has threatened to report me as a negative banking and entity.  Inasmuch as it is not true it by itself would be a libelous statement.  This should not be allowed.
The reason why I would like to file a complaint with your office is due to its relationship to my time in service. I had a direct deposit account that was established after being assigned to XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX  XXXX XXXX XXXX, which was located in XXXX, MD. Today, there are no records of having such an account neither in XXXX archives nor in my 201 personnel files. As well, I no longer have standard information in my civilian records. Unfortunately, this incidence would go unaddressed until XXXX. However, this letter represents my first official efforts to readdress it as a separate concern. 

Apparently, my personal bank account was deleted from the archives of XXXX XXXX XXXX XXXX now XXXX XXXX XXXX. XXXX XXXX XXXX XXXX investigated my concerns and found that no such account existed on record, neither on file nor in their archives. Later, as the new XXXX XXXX XXXX, the administration claims to have no records of my account, and refused to investigate my concerns further. I was told by the administration that, at times, such information often gets lost, particularly, when bank accounts are dated and abandoned. 

However, I contacted the XXXX XXXX and XXXX XXXX ( XXXX ) on the matter. I then requested a copy of my LES records. I was given an online account. Weeks later, my LES records were posted to my online account by XXXX. Records showed that I had an account at XXXX XXXX XXXX XXXX, at least, since XXXX. However, an administrator at the XXXX XXXX XXXX refused to address my concerns. I was then told to retain the legal aid of a lawyer. And, such efforts have been met to no avail. 

I believe the lost of my account is attributed to an alleged incident that occurred between XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX  and myself. This incidence occurred during the latter half of my last tour of duty ( XXXX ). 

Dates for lost account starts at XXXX through XXXX, but needs to be addressed starting from XXXX through XXXX, totaling approximately 47 thousand. I also deposited funds into my account from civilian employment, college rebate checks, et cetera. 

The problem was addressed via The Inspector General Office, XXXX XXXX XXXX XXXX, and directly with the credit union. 


PS : I do have a copy of my Master Payroll Account Records available through snail mail for your review. Or, it can be attained directly from XXXX.
I am writing to express my concern about Scottrade Bank when my online account was hacked while I was overseas. At this time I had both a Scottrade Brokerage and Scottrade Bank account. I reported the fraud to Scottrade and was instructed to provide a police report as well as other materials which I did. I respectfully requested Scottrade cooperate with the law enforcement agency but they refused and stated I must go through an internal appeal at Scottrade. When I inquired on how to submit a formal complaint for internal review, Scottrade stated that " Corporate HQ '' would get back to me. Well " Corporate HQ '' did not get back to me and after 20 phones calls, numerous certified letters, and complaints with third parties, Scottrade vaguely informed me that I would have to submit an appeal in writing, which I promptly did. 

What Scottrade Bank failed to inform me about was that there was a specific Scottrade Bank form for disputing fraudulent transfers and or hacked accounts available here : XXXX I am unsure why Scottrade did not follow their own procedures for dealing with hacked accounts but I am sure that Scottrade 's failure to follow appropriate procedures appear to be an abuse of their position in an effort to avoid liability for the hacked accounts and failed database protections. 

I am writing to the CFPB because Scottrade refuses to acknowledge or respond to any of my complaints and I am kindly requesting Scottrade provide me an opportunity for a de novo review of the situation. I have provided Scottrade with a completed account activity dispute form and will be expecting a response. The dispute form is available here, XXXX, and Scottrade Bank has written policies about how to process the form. 

If Scottrade refuses to provide the requested documents and take appropriate action, I am specifically asking Scottrade provide me with a copy of the original arbitration agreement ( if it exists ), a request that Scottrade has refused to respond to on over 7 different occasions.
I have been trying for over three years to resolve my situation with Citimortgage. I requested a shortsale 3 years ago. I have lost 3 buyers and now Citimortgage is countering an offer on a short sale property that is XXXX more than what was required 3 months ago with another buyer. I think they are trying to deny the offer and force this home into foreclosure.
I want Trans Union, XXXX and XXXX to update my credit report with the following personal information : Employer : XXXX XXXX XXXX, Position : Chief Executive Officer ( CEO ) Annual Salary : {>= $1,000,000} ( $ XXXX ), Annual/Total Household Income : {>= $1,000,000} ( $ XXXX )
I called XXXX XXXX in XX/XX/XXXX to discuss that my hours were reduced and I needed some assistance to help me reduce the amount of the payment required each month. I was told that I had to default XXXX month before I could receive any help with their financial program. I refused to be late on my payments and decided to pay what was required each month. I called XXXX in XXXX to ask why I had no credit available when I did and I was told by a representative that I called in and requested to close my account. This was not true. I never asked that my account be closed because I knew that this would reflect negatively on my credit report. I asked them to investigate who reported this information to the credit bureau and I was not able to get an answer. I also requested the tape be reviewed that records the calls when a call is made to speak to a customer representative that is suppose to be taped for quality purposes. I got no response from them. I sent a letter disputing that I closed the account. I never received a response from them. The resolution im looking for is for XXXX to admit that falsely reported to the credit bureaus that I requested to close the account when I did not. Admit that they closed the account on their behalf for no apparent reason. I tried to do the right thing by contacting my creditor to let them know I was experiencing some financial hardship seeking some kind of remedy to help my to stay on track and my obligation to pay my debt as agreed. Instead, they lied an reported erroneous information to the credit bureaus destroying my credit rating.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$380.00} Company : XXXX  XXXX  XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$650.00} Company : XXXX XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$240.00} Company : XXXX XXXX XXXX Account # XXXX Date Open:XXXX Balance:XX/XX/XXXX Company XXXX XXXX/XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$380.00} Company : XXXX/XXXX XXXX Account # : XXXX Date Open:XXXX Balance : {$510.00}
XXXX has put a collection on my credit report that was not mine. I contacted them and had it removed. Now the phone calls have started again for this collection that is not mine.
I mailed out multiple letters to Equifax stating a XXXX mortgage is reporting o my credit report. There is no activity on this account in XX/XX/XXXX or XX/XX/XXXX. I want it removed from my credit profile. I do not live in TN. 

XXXX XXXX