WillisBack/dataset-financial-user-claim huggingface dataset:
Chase has been charging me excessive overdraft fees and NSF charges when I asked them not to let the charges go through as I felt my information may have been compromised before. How can I be charged {$40.00} in NSF and overdraft fees for a {$5.00} or {$9.00} charge. What is the point of doing that? Excessive bank charges for profits is unfair.
I was trying to get a mortgage for a condo purchase in XXXX XXXX, Florida and dealt with a mortgage broker called Perl in XXXX, Florida. They were rarely there to answer the phone during business hours, failed to return calls, and after saying I did not need a second appraisal on the property, asked for a new one which through their tardiness never got processed in time for an answer on the mortgage application. Their office manager, XXXX XXXX, acted unprofessionally and ineptly throughout the process. I hope others can be spared the experience I had with him and his firm.
AMEX Bluebird has assured me every month that they would refund these chargea.

AMEX has decided that they do not want to refund the money as they loose merchant fees that way. I have attached the form AMEX wanted me to fill out so that you can see exactly what I am talking about. I will also copy and paste the section on the charges that I have disputed every month with them. 

Thanks agin for all your help! 

The merchant XXXX Date US Amount Merchant XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX total {$250.00}
Equifax allowed a business that I was disputing to change the address on my credit report. I found this out because I requested a copy of the dispute and they said I had to send in two forms of ID through the mail. I refuse to do this because it is their XXXX up and they broke the law by allowing someone else besides me to validate and/or change my address. They also allowed this company to validate a fraudulent account that even if by some strange coincidence they were able to legally validate a fraudulent account it was still a breach of contract because I never agreed with the parent company to sell my personal information to another company.
After several attempts of trying to dispute the following online that became unsuccessful. There are several inaccurate addresses currently reporting on my credit report that needs to be removed. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX av XXXX XXXX.
Dear Sir or Ma'am : Good afternoon. I have two problems to sort out with my mortgage company and/or Loan Servicer. My loan is owned by XXXX XXXX, but is serviced by LoanCare , LLC.

Problem 1 : I submit biweekly loan payments which are above and beyond my required monthly mortgage payment. These payments are to be applied against the loan principal and have not been since XX/XX/2018. I have copies of the LoanCare LLC transaction history showing that they received these payments, but have not appropriately credited them to my loan principal. I sent an inquiry via the Contact Us secure web form on XXXX on XX/XX/2018 to follow-up on this issue and to ask that the appropriate retroactive payments and interest reductions be applied. I have not yet heard back from XXXX on this issue. I realize they have a reply window of time. I am escalating this through CFPB for need to track issues as well as the fact that there is a second problem which may negatively affect this first issue.

Problem 2 : On XX/XX/2018, I received a letter from XXXX stating that my Loan Servicer was changing on XX/XX/2018 to : XXXX XXXX XXXX XXXX XXXX of XXXX XXXX, CA. A second letter, which was dated XX/XX/2018 arrived to note that my mortgage loan was resold and the new owner is XXXX XXXX XXXX XXXX XXXX. This second letter contradicted the first letter by stating that my mortgage serving will remain with XXXX. I sent an inquiry, also by way of the secure Contact Us web form on XXXX today, XX/XX/2018.

I no longer know who services my mortgage, where to send payments, whether my account number has changed, etc.

I also do not know what recourse I have in that I DO NOT wish my loan to be transferred to another loan servicer until the biweekly principal payments from XX/XX/2018 through current have been properly credited against my loan, and any appropriate loan adjustments ( Such as remaining principal, interest calculations, etc. ) have been accurately recalculated and applied. If the first issue is not resolved prior to the transfer, the wrong principal balance, interest, and inaccurate transaction history may be transferred to any new servicer. Please could you advise what steps I can take to resolve all issues?

Thank you, XXXX XXXX
XXXX  has been non-compliant with removing the unverified account USAA SAVINGS BANK which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that USAA SAVINGS BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
On XX/XX/2018, debt collector, who is posing as an attorney ( Linda Strumpf ) AND who is the CEO of the plaintiff ( XXXX XXXX ) served my bank ( XXXX XXXX ) with an illegal judgement for {$5900.00} to be withdrawn from my social security account. Thus far, they have gotten {$3100.00}. This money is a combination of my social security and a loan. I have had no dealings with XXXX XXXX. I have never received PROOF of ANY debt from XXXX XXXX or a court notice. I have lived at my current address for almost 6 years and a previous address for 3 years. No court notice, yet the index number is XXXX in the Civil Court of XXXX. I got this and the following information from my bank : to call XXXX, XXXX XXXX XXXX. I called. Left message. No cooperation or return call. I informed them I would contact CFPB. Again, nothing ; however since then I have learned that there are many complaints against Strumpf who wears two hats. Additionally, it appears that the Connecticut address is currently bogus as there are 7 companies at XXXX XXXX XXXX, XXXX XXXX, Ct XXXX but only ONE since XX/XX/XXXX which is actively owned by XXXX XXXX ; the others involved Linda Strumpf. Additional addresses are XXXX XXXX XXXX, XXXX XXXX, NY XXXX and oddly enough, the XXXX that XXXX XXXX gave me as Linda Strumpf is listed by XXXX as XXXX XXXX.
I have several bank accounts at Huntington bank. I have an IRA that I am trying to transfer money from and put into my checking. I recently moved and there is no Huntington bank where I am and the bank is refusing to give me my money without me being present. They refuse to send me the form that I can sign and have notarized and sent back. I really need my funds and the bank will not release them to me. I have tried calling the bank 3 times and the bank employees keep hanging up on me.
Reference # XXXX Report XXXX To Dear XXXX, I applied for a Home Depot card over the internet on XX/XX/2017 
I was advised that I needed to call XXXX to complete my application. I did. 

The representative advised me to go into a store and show my identification along with another form of ID like a bank card etc. I went to Home Depot located at XXXX the next day on Friday XXXX. The lady in customer service called customer service over the phone and the person she spoke with told her I needed to have a credit card on my person with at least a year history. I did n't have any credit cards on me at the time only a back card. 

Be advised, I was not told this previously when I called over the phone if so i would have been better prepared and I waited in line to be helped for an hour and barely made it to work on time. 

I went back to the store today Saturday XXXX and met with the same lady in customer service who tried to help me previously. I brought my XXXX card with me that I have had for more than a year ... XXXX she called customer service over the phone and was told the XXXX card does not appear on my credit!!! 

I find this process to be immensely frustrating!! I am a hard working man and I have not done anything wrong but try to apply for a card from what I thought was XXXX of the best appliance companies around, and I am being treated unfairly or treated as if I am a criminal. I am very frugal and do n't have a lot of credit because I mostly made purchases with cash, but my work load has increased from secondary job and buying things flat out can be a little pricey .... besides I noticed they offer a lot of benefits by having a Home Depot charge card. 

I 'm just appalled that I have been treated this way. I also just got home and saw that the XXXX Card is in fact showing on my XXXX Credit Report. I am speechless!!!
I mailed a Mu ltiple Inquiry Removal Letter o n  XXXX   XXXX ,    2017  by certified mail in order to dispute information in regards to  XXXX  inquiries that was being reported on my credit report. They received the letter on  XXXX   XXXX  , 2017    and they completed the request on  XXXX   XXXX ,  2017. T he request that I submitted included inquiries that were not factual and I received the same response for ALL inquiries which were " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states th at any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 7 days after the receipt of my certified letter, one can assume that there was no investigation into this matter. I am in the process of purchasing a home and having this many inquires on my credit report display a sign of financial trouble when this is absolutely not the case. I am submitting this complaint due to the lack of investigation into my original dispute for inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
On XXXX XXXX, XXXX, I attempted to place a freeze on my credit file with Equifax, at XXXX XXXX XXXX After entering my information and my credit card information, I received a message saying I had to submit the same information by mail. By contrast, XXXX  and XXXX were both able to place a freeze on my credit online, with the same information. 

This is an unreasonable burden that dissuades consumers from trying to protect their credit. If further verification is needed, then Equifax should perform it online or over the phone.
On  X/X/2017    an unauthorized credit inquiry was made  by Westlake Services Inc. T his inquiry was not with my consent and they have been uncooperative in resolving this issue.
I purchased an item on " XXXX '' and paid using my " XXXX '' account under creditcard- ( citi mc ). 
a month later after reviewing my creditcard statement it showed a cash advance Fee charge + intrest now accruing every month. I called and they said the transaction went through as a cash advance. Citibank mc refused to reverse the charge saying XXXX needed to do it. XXXX refused to do it saying it could not be a cash advance because they dont allow it. I had both reps on a XXXX call, and they both argued with each other saying there was a mistake but neither could do anything about the charges, with me caught in the middle.
I have been trying to get the dispute remarks removed from my credit report for 1 month now. I have called in 4 times to get the remarks removed and each time I have been told that it is complete and that it would take 48 to 72 hours and this has not been completed.
XXXX   has consistently been a problem.  XXXX  Equifax  XXXX  &  XXXX  has been reporting errored information. I have never applied for student loans and to have an accurate errored account reporting monthly and I have been trying to remove this items for a year now. I 've sent letters, I contacted them and all I 'm told by these credit bureaus that they never received any documents.
I received a mail solicitaiton to apply for personal loan. On XX/XX/2018, I submitted an application online. 
During the online application process, Prosper requires granting access to a bank account through an online ID and password access for the purposes of depositing loan proceeds and automatic payment withdrawals. The application process also creates an online account/profile with Proper.

Subsequently, I declined the personal loan offer. However, when attempting to remove the submitted bank account information from my online account, Prosper does not provide any way to remove bank account information. I contacted Prosper 's customer support. Customer support was not able to provide any means to delete the bank account information. Therefore, Prosper continues to have access to my bank account. Prosper raised a request to close the online account, but customer reps advised that the bank account details could not be deleted. 

Prosper Supervisor : XXXX ( Supervisor ) Employee ID # XXXX Based out of XXXX, Michigan XXXX Employee ID # : XXXX Ticket # : XXXX was raised to close the account
I filed this complaint with the FTC # XXXX on XXXX XXXX XXXX  Their response was not relevant. 


Several months ago I was reported to the credit bureaus by the following company : Creditor Information - XXXX XXXX , XXXX . 

Prior to this I was not contacted, not even once! It was regarding a disputed bill from XXXX XXXX from years ago. I had received collection agency letters previously but each company dropped the collection attempt after I wrote them back with proof that the bill is an error. 

I have two compliants : First, XXXX should not be allowed to harass me in perpetuity because they dont want to accept the truth about their bill being an error. 

Second, it should be illegal for a collection agency to report me without ever contacting me. I wrote them a message and the best they came up with was to call them. 

Please note, I far prefer email over all other forms of communication, I am XXXX   XXXX and unable to converse on the phone. I can access email easily using my eye mouse and will reply to your correspondence promptly. 

Thank you.
The Valley National Bank gave me {$1000.00} over-draft protection. The two bank officers at its branch in XXXX, New Jersey told me this. One said, " XXXX XXXX, I have good news. The bank has approved your application for {$1000.00} over-draft protection so you do not have to worry about fees for insufficient funds. '' Subsequently, the Valley National Bank charged me {$72.00} for two checks for alleged insufficient funds. 

I do not want to bank at Valley National Bank anymore given this incompetence and inefficiency. But I paid nearly {$100.00} for business size checks. I want to close my checking account and be refunded the said payment for the business size checks.
In 2009 XXXX XXXX reported a 60 day late payment on my credit report. At that time I did not know I could file a complaint with this bureau. 
Their report was erroneous and I wrote them many letters to say it was incorrect. They had given me a 60 day forbearance on my account because my house had burned and my husband XXXX XXXX XXXX XXXX. 
I continued to write letters for months on end asking them to remove the 60 day late notice from my account because I had documentation of the forbearance. They refused to speak with me and would only return a letter tell me that the 60 day late report to the credit bureau was correct. 
I am writing this to you so that you might check and see how many other customers they have done this to. They are a crooked, disreputable company and should have their doors closed to any further business. T The 60 day late payment no longer shows on my report but I wanted you to know this is another of their bad tactics of which they have many.
I HAVE ALIMONY CHECKS FROM XXXX XXXX  XXXX THROUGH ADP WRITTEN ON CHASE BANK. I WENT TO XXXX XXXX- XXXX XXXX CA BRANCH OF CHASE ON XXXX XXXX MONDAY XXXX-18 I WAS AT THE COUNTER WITH A TELLER SAID IT IS {$8.00} TO CASH A CHECK IS THAT OK- WELL NO IT IS NOT OK BUT WHAT CHOICE SO I HAVE THAT IS WHAT YOU SAY THE PROCEEDURE IS -- I CASHED 3 ALIMONY CHECKS ALL THE SAME TYPE OF INSTRUMENT OF ADP THROUGH XXXX {$500.00} WRITTEN ON THE CHASE BANK PAPER - I WAS NEVER OFFERED OR GIVEN A RECIEPT FOR THIS TRANSACTION - I CALLED THE BANK XXXX -18 XXXX XXXX  ISH A BOUT THIS ISSUE I WAS TOLD THAT IT WAS NORMAL NO RECEIPT IS GIVEN FOR THAT TYPE OF CHECK CASHING- I CALLED CHASE BANK CUSTOMER SERVICE WHO SAID NO THIS IS NOT NORMAL AND THAT A RECIEPT SOULD BE GIVEN WITH EVERY TRANSACTION- AND THEY WOULD CHECK ON IT BUT IN NO WAY WOULD THEY TAKE MY NAME & ADDRESS AND ADDRESS THE ISSUE FOR ME OF MY TRANSACTION- I ASKED FOR THE FEDERAL REGULATOR OF THE CHASE BANK AND THE EMPLOYEE -XXXX  XXXX REFUSED. ON LINE I WAS REFERRED FURTHER BY TELEPHONE HERE TO FILL OUT A FORMAL REPORT OF THE BANK FRAUD I WAS VICIM OF. 
XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
This has been an ongoing issue for the last 10 months. I disputed this with each of the credit reporting agencies 3 times each, sent the company an E-Mail once and even a certified letter. As of today, the result was in compliance with FCRA or pending. 
Cavalry is a debt buyer that has bought my XXXX account. I did own up and knew this was my debt so I paid for it to Cavalry. 
Back last XXXX, XXXX XXXX I noticed that XXXX had aged off my credit report, and that the collection account remained. It is my understanding that collection accounts are deleted at the same time as the original account. I disputed this XXXX XXXX and reported the response back that it meets FCRA Guidelines. I tried to dispute again in XXXX XXXX and received the same response. XXXX XXXX, I am disputing this again and I am awaiting the investigation results. 
In the meantime I E-Mailed Cavalry in XXXX XXXX and received a response. " Cavalry reports account information to the credit reporting agencies consistent with the industry mandated 'Metro 2 Format ' reporting guidelines. Unfortunately, we are unable to honor your request to remove Cavalry 's credit reporting. " I honestly do n't care what software they use, point is there is a problem at their end and just because they use the required software should not mean its OK to make an error. 
I did also sent Calvary a certified letter, pending delivery but feel I will be receiving the same response. 
So I have credit reports going back 10 months showing that XXXX is NOT listed on them. But on those same credit reports I am showing the collector Cavalry is listed, with a note that is is a collection account for XXXX ... but there is no entry what so ever for XXXX. Cavalry is consistently refusing to help me, I even give references to articles on collection accounts being deleted with original accounts but they are not even budging. From everything I read this collection account should not be listed on NONE of my credit reports. They obviously continuing the debt longer then it should be on my reports, because the original entry is at all no longer listed on my credit reports. I gave it more then enough time in case of a simple month or so delay in reporting but 10 months later of reporting a collection on an account that has already aged off my credit report ... that is at least 10 month that I know of. 
I am going on this issue aggressively this time around because it is an issue that can not wait any longer on getting corrected. 
Again, I may be repeating my self, but I have a collection account that still hanging on my credit report where the original creditor has aged off my report. This has been happening for at least the last 10 months and Cavalry refuses to correct this.
Experian has failed to verify my XXXX tax lien that were withdrawal by state of Ca. 
Lien # XXXX Lien # XXXX both withdrawal by state of Ca FranchiseBoard Sac CA XXXX. Experian has been reporting it incorrectly for over 5 yearsas paid and Release. It is damaging my credit file. Experian needs to verfiy it XXXX both were withdrawal I paid XXXX .Please be advised this is my LastWRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Deleted both liens from my credit file.
The lender cashed the check I wrote, for {$2000.00} early. I explained that the funds would n't be available until XX/XX/XXXX, I dated the check for XX/XX/2015, and it clearly states on my bank statement that the check was deposited on XX/XX/XXXX, which lead to various overdraft fees, along with my account being overdrawn. I spoke to XXXX, and made very clear that the funds would NOT be in my account until XX/XX/XXXX, like the check was dated. They also called me, to verify that the check was mine, and that the funds would be there on XX/XX/XXXX.
TransUnion should be taking steps to help alleviate this issue with XXXX fiasco. They deliberately tried to take advantage of this situation by making it harder to freeze everyones ' credit by selling their own services. This is highly immoral.
Around XX/XX/18 I filled out an application for a balance transfer with the amount that I wanted transferred from my current account to my new chase card ( around {$5200.00} ). I received a call about a week later confirming it was me trying to get this balance transfer. I gave the man from chase my info and he asked me to hold on a minute and he will go ahead and run it to see if I am accepted. He got back on the line and said everything was good and I was accepted for the balance transfer. He did NOT tell me I was only accepted for a fraction of the money I requested transferred. I was looking for someone to transfer the full amount, and if they couldn't, I would not have continued with them. I would have found a card that took the entire amount. I did not know this until I received 2 letters in the mail from chase 1-2 weeks later. One letter was the new credit card and the other was a letter stating they only transferred 1/4 of what I had requested and specifically put in my application. I called chase about a week ago and tried to see if they could fix this or just reverse it all. I eventually was sent to a " supervisor '' that told me it was past the grace period and that I only had 2 options. Either they can run another credit check, and possibly lower my credit score 30+ more points, or I can just deal with it. She also stated that running another credit check doesn't guarantee I will even get the full amount transferred. The whole reason for me requesting a balance transfer was to give me more time to pay off my debt with no fees and no interest for a year while I get my credit score where I want it to be.. Now I am stuck with 2 credit card payments and a credit score that has dropped 30+ points over just {$900.00}.
SUNTRUST BANK HAS PULLED A COPY IMPERMISSIBLY FROM MY CREDIT REPORT ON XXXX XXXX AND XXXX. THEY ARE REPORTING AS XXXX XXXX XXXX THAT IS NOT MY NAME AND AS SUCH MIXED MY FILE WITH ANOTHER. I WANT THE INQUIRIES REMOVED IMMEDIATELY