WillisBack/dataset-financial-user-claim huggingface dataset:
I notified Chase Bank that I was going through a divorce. My soon to be ex was on my checking account so that in an emergency he could pay bills. I was told I could not remove him from the checking without his consent. I asked how I could protect my money ( we had separate accounts, he had his own money at a different bank ). The branch manager advised me to move my money from my checking to my savings account to protect it, as my " ex '' was not on that savings account, and then she noted my account with regard to the situation. As expected, the " ex '' went to a Chase branch and requested a withdrawal of the money in my account. The bank gave him ALL of the money ( checking AND savings ). When I received an email notifying me that my account balance was below my limit, I was shocked and went immediately to the local branch. I was told that because I had overdraft service on my account, that I had no recourse and that the bank had done nothing wrong. The overdraft service, according to the Chase website, states that it will pay : Checks, Automatic Payments and Recurring debit card purchases. It also states that it will NOT cover everyday debit card transactions. My " ex '' did not have a debit card for the checking account. He simply walked in, and withdrew everything from the checking and savings. The bank did not contact me, and I assume did not verify that he was NOT a named person on my savings, which should NOT allow him the overdraft service. As the sole custodian of the savings, the overdraft service should have only been protecting me. If the bank knew that overdraft would enable him to receive all funds, they should have advised me when I requested their help in protecting my funds, and I would have asked that it be turned it off. Their website documentation does not state that the overdraft service includes withdrawals. It should n't include withdrawals. If someone has access, they should be required to transfer the funds in order to withdraw them. Please help me get my funds back from Chase Bank, who erred in agreeing to disburse them to my now ex-husband who was not eligible to receive them. Their documentation and communication to all is confusing and misleading to a consumer.
Capital One took over for the XXXX card I have been a member since XXXX. Since then I have paid my bill online and not had a problem I sign on to my account once a year to pay the membership dues that is due. I called today because I know that my membership was due for XXXX and I paid my past due amount and then was transferred to the technical support to reset my password. I was then asked the questions that a credit card company ask what is my name and the other privacy question then to be told that they could not reset or send an email to give me access to my account. The person I spoke with at Capital One name was XXXX and her employee ID was XXXX she explained to me that she was a floor supervisor and was not able to help me that she could transfer me and that person still would not be able to help me. I explained to XXXX that I am in the Military and that I constantly move around that is why I have my fathers address as the mailing address. My father is currently XXXX miles away from me and also out of the country. She explained to me this is Capital one 's policy that they can not help or reset my password without the account number. So I explained to her how can I do that if I am not even around my father 's address and I am constantly moving around and that is the point of me sending my mail to my father 's address. The point is that I had to close my account with capital one due to this inconvenience to a service member being away. Something needs to be done about this I pay my bills online and that 's how I have done it.
I checked my credit history and there was this debt there from XXXX and I do n't order online and this I never opened and its fraud and I should n't have to pay for what somebody else did
An Internation wire transfer from First Citizens Bank XXXX to XXXX XXXX XXXX in XXXX, XXXX was issued, then attempted to be retracted when the receiving account at XXXX XXXX was determined to be a fraud. Following formal complaints, inquiries and alerts of the fradulant scam, from First Citizens to XXXX XXXX XXXX.
I purchase a hdmi cable with my best buy credit card #  XXXX . The price {$65.00}, I don '' t remember the exact date, but it was sometime before  XXXX     2017. I  was living with my girlfriend at  XXXX   XXXX   XXXX   XXXX ,  XXXX , NY  XXXX . WE end the relationship and I moved to  XXXX   XXXX   XXXX   XXXX ,  XXXX  NY  XXXX . I had forgotten about the purchase. Someone contacted me and notify me about the bill, I asked to be forgiven for the late charges and they agreed, because they said they were sending the bill to the wrong address, I when to the store and paid the {$65.00} and they give me a store credit for the hdmi cable because I never use it. I also up date my new address. All of this happen in  XXXX , a couple of months I received a bill for late charges. I paid the late charges because they were reporting it to the credit bureaus as if I was neglecting my responsibilities, and they have the product, and I have is a store credit. I had the problem  with Macy 's de partment store, but they honored their agreement.
I just recently received a notice from the FTC ( Federal Trade Commission ), dated XX/XX/XXXX, notifying me that AmeriTech Financial, a company that I used with the intention of getting a lower monthly payment on my loan, is being sued by the FTC for deceitful tactics. 

I am filing a complaint in regards to being a victim to these deceitful tactics that they are being accused of practicing. When AmeriTech Financial first reached out to me, they told me that, with the help of an act created by President Obama, I would be eligible for a $ 20 monthly payment for the life of the loan until it was forgiven, as long as I first made five monthly payments of {$160.00}, starting on XX/XX/XXXX and ending on XX/XX/XXXX. The way they worded it made it seem like these first five payments were going toward my loan and then my lower payments would be kicking in. AmeriTech failed to inform me, and other consumers, that the services they were charging for are things that can be done for free with the help of the Department of Education. What it boils down to is that AmeriTech used shady, deceitful tactics to make it appear that they were helping me, where in turn they were actually taking {$840.00} from me for a service that they knew was offered for free by a government program. 

After receiving the notice from the FTC, I reached out to AmeriTech on the phone to inquire about a refund, only to be hung up on twice in a row. This is just another example of what kind of company AmeriTech Financial is. 

I hope people see this and use their due diligence when choosing a company to work with -- I learned my lesson and I hope others learn from my experience.
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).

The lender has stated multiple reasons for a denial of this loan, including, but not limited to : denied for affordability, or not being able to create an affordable pmt for the loan, and that the client has multiple properties. The lenders reviews have not been consistent with the reason for the denial. the lender has also failed to provide detailed denial letters to the client or our office.
To whom it may concern, I live in XXXX  Florida, area that was heavily impacted by Hurricane Irma. I was given an option of forbearance by XXXX  for 3 months, after which period I would either pay full amount owed ( {$7000.00} and change ) or do a loan modification and trial payments. I was told multiple times that negative credit reporting would be suspended during forbearance AND trial period for loan modification. I was even sent the letter spelling this out.

I am in the TRIAL MODIFICATION program and have made ALL of my payments ON TIME and in FULL.

On XX/XX/XXXX XXXX XXXX XXXX has reported me to all three credit bureaus as delinquent on my loan.

As a result, my credit score has dropped by 88 points over night.

After your incorrect reporting to the bureaus, credit bureaus reported the same to all of my banking institutions, and as of today, my credit worthiness has dropped from excellent to fair. First one of my banking institutions lowered my credit card limit from {$50000.00} to {$3000.00}, second banking institution lowered it from {$22000.00} to {$1000.00}, and third one from {$20000.00} to {$750.00}. All of my balances above these laughable credit limits became due immediately, and interest started accruing.

At the same time, I was working on a loan for my business which was supposed to be closed today XX/XX/XXXX but has been put on hold indefinitely because I do not meet criteria for the loan anymore. My credit score is simply too low.

I have spoken with numerous employees of your company, from following departments : Natural Disaster department, Loss Mitigation Department, Customer Service department, which got me nowhere. Calls I made :XX/XX/XXXX Employee number : XXXX XX/XX/XXXX Employee number : XXXX  XX/XX/XXXX Employee number : XXXX   XX/XX/XXXX Employee number : XXXX At this point, your false reporting has affected me more than hurricane ever did. You destroyed my credit rating, my credit limits with various financial institutions ( which in order to be repaired even after you remove negative reporting would take hard credit pull for each of the accounts that were affected, which will again negatively affect me for the next 24 months ), prevented me and my business getting a business loan which we need to service clients order which has already been placed ( severely risking, me losing the said client ), and cost me a tremendous amount of time by bouncing me around different departments.

My livelihood and my familys livelihood has been severely affected by your actions.

I kindly ask you to do only what you already stated that you will.

Please do not report negative status and remove the reports that you already made as quick as possible.

Thank you.

XXXX XXXX XXXX XXXX XXXX P.S. The letter you sent me has been attached to this document.
I was shocked when I reviewed my credit report and found late payment. 

30 days late as of XXXX 2017 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.
Capital One Auto Finance refuses to correspond with me and the amount they tell me I owe when I call them is much higher than the amount they are reporting to the credit reporting agencies. They have even verified the lower amount after I disputed with the credit reporting agencies. They also have incorrect dates on my credit reports that do n't even match their own court documents that I was recently able to obtain. I have no way of knowing how they have come up with the figure they give me on the phone or the figure they are reporting to the credit reporting agencies.
I had a hard paying my private student loan. Now a law firm is suing me. I hired a lawyer to help me. He has been trying to contact the firm to negotiate but they are not responding. Today I received a new summons about the same loan from another firm. I would like to settle this loan and stop wasting money on the lawyer when that money could be going towards the loan.
I got a demand letter from XXXX XXXX XXXX. dated XX/XX/2018 indicating that the account records of a second debt collection company, XXXX XXXX XXXX XXXX XXXX show that I have an outstanding balance of {$970.00} owed to XXXX XXXX. Convergent 's letter offers to allow me to settle this fictional debt for 25 % or {$240.00}. I have no knowledge of XXXX, XXXX XXXX or Convergent nor have I ever been contacted by any of them to include substantiation of such debt. Just a nebulous demand letter for a non-existent debt from a state that I have never lived in. I believe this to be a scam and an attempt to scare Senior Citizens into settling false debts for a reduced cost.
I would like to know how you verified the following accounts when they are clearly inaccurate : Did you call the original creditor or just look at the information in your database? 

XXXX XXXX account was paid in full. This is inaccurate. 
XXXX XXXX XI was NEVER late. This account is misleading XXXX XXXX account is inaccurate. There should n't be a balance. 
XXXX XXXX XXXX of last activity is misleading. 
XXXX XXXX was never late. 
XXXX XXXX 've never done business with XXXX nor have they responded to any of my letters for investigation, How are they certifying verification to YOU???? 
XXXX XXXX XXXX XXXX HAVE NEVER DONE BUISNESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY ABOUT THIS DEBT!!! 
XXXX XXXX XXXX XXXXthe rating on this account is inaccurate. 
XXXX XXXX XXXX account is listed on my account TWICE ... ..TWICE!!!! Yet and still you refuse to remove it ... how is that possible or legal? 


I 'm getting tired of sending these disputes that the credit bureaus are not investigating, The credit bureaus need to be held liable for all the stress they are causing consumers to go through dispute inaccurate information on their credit reports. How is it that a collection agency can just place a collection on my report but i have to fight tooth and nail to get them to investigate. This is NOT right!!!!!!
I tried calling to pay a debt no one was able to locate my debt when they said they located it they told me my last name was something completely different leading me to believe it was an error and I dont have a debt but my credit report shows different. The gentleman was rude and told me the account number I had was wrong and my Name and last 4 of my social said Im someone else multiple times. Never though it would be this difficult and be treated so poorly to pay a debt.
Consumer Portfolio Service Unauthorized Hard Inquiry on Credit Report of consumer. XXXX XXXX did not have authorization to contact multiple financial institutions and give them permission to pull a hard inquiry for automobile financing. 

Date of Unauthorized Hard Inquiry XX/XX/2017
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX NUMBER REPORTED PLEASE REMOVED FROM MY REPORT : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
There are a couple accounts that are past the statute of limitations I have disputed and this agency is doing nothing about it. I want to place a complaint against Experian regarding XXXX XXXX # XXXX XXXX ( 7 years ago ) XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX
Transunion shows XXXX account as C/O ( Charge Off ) whilst it was paid in full.
I was approved by my mortgage company for the HAFA Program ( Home Affordable Foreclosure Alternative Option ) and entered into an agreement with RoundPoint Mortgage Service Company to transfer my property to them by doing a Deed in Lieu of Foreclosure on XXXX XXXX, 2015. Part of the agreement was they would waive the deficiency Amount outstanding. At which point RoundPoint would then issue me a XXXX after everything was completed at the end of the year ( 2015 ). To date I still have not received the XXXX even after repeated phone calls and requests made to them. Instead they inaccurately issued me the wrong form a ( XXXX ) and now refuse to correct it, because the representatives are confused and they continue to say it 's a foreclosure even when all of their own documents show that it 's a deed-in-lieu. At this point I do n't know what to do and how to get this situation resolved with them, because for me to accurately and correctly report the deed in lieu on my own 2015 XXXX Tax Return, which would be the correct year, I need them to send me a XXXX form, but they still refuse to do so no matter how many times I 've called and tried to explain it to them. So I 've attached supporting documentation to verify my position and request.
Stearns Lending LLC is our mortgage as of XXXX XXXX, 2015. We just purchased this home and were only living there three weeks before a pipe broke and flooded the house. There was $ XXXX damage to the home and is unlivable. We have had to move over XXXX miles away from our home one way in XXXX traffic. We are having to travel back and forth to get my XXXX children to classes and activities. Since this happen on XXXX XXXX, the mortgage company Stearns Lending LLC received the money on the XXXX XXXX and told me today that they are only going release XXXX % of the depreciated payment of $ XXXX they received. Also advised we will not send out anymore more until the project is XXXX % completed which is to be verified by their inspectors within 7-10 business days. So you want my general contractor to complete XXXX % of $ XXXX repairs on $ XXXX?? XXXX XXXX is already holding XXXX % of the $ XXXX until completion of the job and now they want to hold more. What ... .he has spent more than that by ordering all the new cabinets, granite, tiles, and sheetrock, and then having the plumbing and electrical issues on top of doing all the demo. I am out of our home paying them a monthly mortgage and they are holding the money to get our home fixed so we can get moved back in. I need help! I am having XXXX and XXXX and having trouble driving due to all the stress. My doctors have related it to all this. I need to go home with my family to the house we are paying for monthly without them holding the money to delay this and make it as hard as possible to get it done.
The response has NOT answered my questions : 1. When XXXX XXXX locked the rate for me, he confirmed that the rate is locked to XXXX XXXX, he did n't tell me the credit only is effective till XXXX XXXX. It is his fault. Also, when I pushed him and XXXX to process the loan ASAP because the commitment letter will expire on XXXX XXXX. He told me " Do n't worry, I only need to repull my credit, you do n't need to do anything else ". he did n't tell me it would effect my rate and the point. Whose fault? 2. XXXX and XXXX did n't pick up my phone, seldom answered my email. I did n't get any repose. Then I cc  emails to XXXX 's supervisor, and then XXXX replied to my email. XXXX appeared. He sent me an email '' Dont send email to managers '' I answered '' Because you do n't answer my emails, so many emails. I have to cc emails to supervisor. Otherwise, I will not get answer till next year. '' Your ignorance resulted my house close after XXXX XXXX. Your fault.
When talking to XXXX XXXX XXXX XXXX ( my student loan service provider ), they tell me I can not apply any over payments towards principal until my capitalized interest is paid. They also said that the interest compounds daily, which means it accrues approximately at {$130.00} a month ( give or take some dollars because some of the loans have variable rates ). I have a couple of problems. 1. No one who assists you with the loan application when you are applying makes any statements about the ability of the loan to compound daily. ( this would be the only loan available that I am aware of that does this, and the only one where you are not explicitly informed of this possibility occurring ) 2. If I am not allowed to apply over payments towards principal, this would also be the only loan that I am aware of that you can not pay down the principal with extra payments. I have been on an income driven repayment program. This past year I was only required to make {$85.00} a month payment. ( When I set up the auto-payment earlier this year, no-one mentioned that the interest accrues at {$130.00} a month. ) When I set up my auto pay, I wanted to start dropping the principal, so I elected to pay more, {$170.00} a month. I also elected to have the extra applied towards principal soooooo the interest accruing is less because I am knocking down the principal with almost {$100.00} extra a month. Now I learn as I am about to reapply for my income driven repayment program that I am " not allowed to pay down the principal ''. It all does not seem quite legal and the information provided when applying for the loan as well as setting up auto pay is inadequate and surely seems to violate consumer protection laws. I figure I would start here.
My loan was transferred to SLS while at the very end of a modification review. I was in foreclosure, but did not have a sale date. I would call to check the status and for months I was told that the documents were still being reviewed. I then received a letter requesting additional documents by XXXX/XXXX/16, I met the deadline by mailing in the documents before the date on XXXX/XXXX/16. I called to follow up and was told that the documents were not yet received, but not to worry and it was normal. I was nervous, so I resubmitted the documents via email on XXXX/XXXX/16, to the point of contact I was given. When I got through to him to discuss the application, he told me that the documents were not received & that only a limited number of pages could be accepted via fax or email. This was not indicated in the package, where the acceptable methods to submit documents are explained. He told me my review was closed. He said SLS would reopen my review & likely reassign him. In the meantime, he asked that I submit updated documents. I submitted the documents. I then received a letter dated XXXX/XXXX/16, indicating that the initial submission was received and requesting additional documents by XXXX/XXXX/16. I know this is confusing, basically SLS said they did not receive documents by XXXX/XXXX/16, however sent me a letter indicating that they did. I was given the wrong information. I was gathering the additional requested documents, again & at the same time just received a Notice of Sale date for XXXX/XXXX/16. I have followed all of the requests by SLS, yet while working on my modification I was given a sale date notice less than a month away. I have a difficult time getting through, I have updated my number several times and they still have the wrong information. I am told different things via mail and on the phone. I am now worried that I am not getting a fair chance at a review, and have incurred more fees associated with the foreclosure. Please help me.
Paid collection agency, Capital Servicing Group LLC, who claimed debt was sold to them. Prior collection agency, XXXX, claims they still currently hold debt and debt was not sold. I paid Capital Servicing Group after being hounded by a representative for months and unsuccessfully attempting to have my insurance pay the bill. Ability Recovery says I still owe the debt. I have the transaction in my bank account for where I paid Capital Servicing Group. I do n't know what else to do-I can not pay another {$350.00} and I believe there is a chance Capital Servicing stole my information to collect debt I did not owe them.