WillisBack/dataset-financial-user-claim huggingface dataset:
JP Morgan/Chase has decided to eliminate an Overdraft product which allowed consumers to attach their ( Chase ) credit card to a checking account - see attached document. This product protected the customer from inadvertent overdrafts and also allowed immediate access to uncollected funds by utilizing the credit line to cover any insufficiency in funds availability. I have had this product since XXXX ( Chase predecessor Bank : XXXX XXXX XXXX ). 5 weeks ago Chase communicated to me that this product would be eliminated in XXXX of XXXX and advised that Overdraft Protection/ Funds Availability coverage would now only be provided if I fund and associate a Chase personal Savings account for that purpose. 
I am a Chase retiree and a Account holder since XXXX. My checking account has had Overdraft/ Uncollected protection through my associated credit card for 35 years. It should be noted, I have several Chase credit cards and spend $ XXXX on the Chase card that also provides my OD protection. I have reached out to Chase customer service and their response has been to advise me they will start charging me {$34.00} for insufficient funds unless I " gift '' them a personal Savings Account. I say " gift '' because Chase is n't really paying interest on personal Savings Accounts ( 0.01 - 0.03 % ) - see attached copy of those communications. 
I believe this is a predatory policy change affecting all Chase customers. However, more critically I see this change impacting senior citizens who - like myself, have been long time Chase account holders. I estimate conservatively that this change could impact XXXX to XXXX XXXX US senior households with a Chase Banking relationship ; this estimate is based on the following facts : 1. ) JPM Chase has relationships with 50 % of US households ; 2. ) The XXXX Census reported XXXX XXXX US citizens XXXX and over. 
As a senior citizen myself, I know my fellow seniors are resistant to change, have money, are good credit risks and in many cases not in the practice of monitoring Bank originated communications. 
In closing, I want Chase to grandfather this protection for existing senior citizens. Maintaining this service has no cost to Chase as the infrastructure is in place. I need your help to get this done!
COMPANY # 1 : XXXX COMPLAINT : After many months of submitting required documents - documents that necessitated spending of my own limited retirement income, I received a letter that the application for reverse mortgage had been denied. REASON GIVEN : I had ( personally decided to ) cancel the application. I had NEVER cancelled the application ; particularly after spend my own money and time. Phone calls demanding clarification were never answered. 

COMPANY # 2 : Security 1 Lending COMPLAINT : After months of submission of required documents and after spending my own limited retirement funds bringing the property up-to-date for appraisal, I was told that my application could not go through unless I came up with {$20000.00} to allow Security 1 Lending to pay my ( 1 ) property taxes and ( 2 ) home insurance for the rest of my life. I told them that I was supposed to pay for home insurance and property taxes. The answer was no. I then got a letter from the company giving the following reason for declining my application : " Insufficient funds to close - Borrower not willing to bring funds to closing. '' On the contrary, I was willing, but did not have the money. I explained that to them. 

According to FHA/HUD, the borrower is supposed to pay property taxes and home insurance, and not the bank. It also defies logic and common sense to conclude that I would not be able to come up with {$5300.00} per year in property taxes and home insurance ( combined/total ) This figure has been obtained fro XXXX XXXX and XXXX XXXX officials. The total amount of mortgage payments to XXXX is {$15000.00}. Money saved through reverse mortgage would have been {$15000.00} - {$5300.00} ( in property taxes and home incurance combine per year ) = {$10000.00} ( aproximately ). The {$10000.00} does not include my XXXX retirement annuity income of {$XXXX} per year, at {$XXXX} per month, for life ). Documents to this effect were submitted to Security 1 Lending last year. 

After spending my own money in applying to to companies for reverse mortgage, only to be turned away, it 's heart breaking. I strongly suggest that pertinent information ( to determine eligibility ) should be gathered at the start of the application process so as to determine the eligibility of the applicant before the applicant waste time and money onmly to be denied after several months later. What is the use of a reverse mortgage if the applicant has to be required to spend {$20000.00} in order to qualify for a reverse mortgage? 

:
first I never ever lived in XXXX, ,Mississipppi . Next I never apply for credit with XXXX Bank
I was notified on or around XXXX XXXX, XXXX, by a letter from XXXX, XXXX, who at the time was the servicer of my mortgage loan, that this loan has been sold to and obtained by SPS/Select Portfolio Servicing., Inc. , located in XXXX XXXX XXXX , Utah . I was told by XXXX , XXXX, I would be contacted by the new servicer directly with information regarding the handling of my loan and were payments were to be sent. XXXX provided me with contact information for this new servicer and reached out to them directly via telephone to get a statement and additional information on how my payments would be handled. 

On or around XXXX/XXXX/XXXX I received the requested mortgage statement which I am in the process of sending in the required payment. This Company says they are a servicing company for my mortgage, however, the several calls and phone messages that have been left at my home number the messages indicate this is a debt collector. I am taking issue with this especially since my loan is current according to the conditions of this transition period. Are they a loan servicer or a debt collector, I resent the calls which have been frequent especially since this is a newly purchased and transferred loan.
Predatory Mortgage Servicing ; was an FHA loan now under Citi Financial. They knew I would retire before the loan would be halfway finished and that I would n't be able to afford the payment on social security. Now we are facing having to move, with my son whom has XXXX XXXX and my wife whom is XXXX as well. 
Citi financial claimed to be trying to help us with a modified mortgage but we just found out, after almost 10 applications for one, that they never claimed my wife and XXXX son as dependents, making it look like I was supporting ONLY Myself on XXXX a month. We have had the mortgage since XX/XX/XXXX but Citi Financial became the servicer XX/XX/XXXX.
I am receiving notices in the mail from Navient in reference to a loan I never took out. The loan is under another individual 's name and the letters that came state that the indiuvidual who originally took out the loan is delinquent on payments and that I consigned on this loan. I have never consigned on any loan or consented to consign on any loan. I contacted Navient 's customer service number listed in the letter and was essentially given the run around. I explained the matter to XXXX different customer service representatives, initially being disconnected leading me to have to explain the issue XXXX diffent times, being placed on hold only to talk to another individual who essentially stated he was unable to help me. At that point I requested to speak to a supervisor. After being placed on hold again, I had to re-explain the situation to the supervisor who then flatly stated there was nothing she could do and that I would have to talk to fraud department at XXXX. I called this number only to receive a message that no one was available to take the call and please call back later ( No explanation as to why or hours of operation/better time to call back ). I then called Navient Customer Advocate at XXXX XXXX XXXX XXXX and again after a long hold was prompted to leave a message with no explanation to hours of operation or better time to return call. Navient has fraudulently placed my name as a consigner on a loan and has made themselves unavailable to rectify the issue.
My credit report reflects a hard inquiry with XXXX  XXXX on XX/XX/18. I did not make any hard inquiries and have not authorized my credit to be ran for any transactions. After calling XXXX, I was told that my credit was ran at a XXXX XXXX in South Carolina. I have not been to any dealerships or made any inquiries. XXXX has been essentially useless in helping to escalate this issue. My credit report has been negatively affected and somebody obviously has my social security number and other personal information.
The apartment manager refused to do the walk-thru inspection of the apartment. He than said he was charging for new paint, New carpet and new tile. Then he turned the illegal debt to an attorney who called me on XX/XX/2015 at XXXX when I told him I filed a lawsuit against the manager and not to contact me. He sent papers that he was pursuing the illegal debt.
I opened an account on XX/XX/2018 and the bank representative XXXX XXXX ( XXXX XXXX XXXX ) was easy to work with. I explained my situation as a XXXX  person, who was at the age of XXXX diagnosed with XXXX, and I was looking for another banking option. I chose Bank of America and opened a checking account on XX/XX/2018 and it was the wrong choice. Today, only one day later after having to take time out of my day yesterday as a XXXX person - I was told that my account was closed, and they refuse to say why. Once I entered the branch today ( XX/XX/2018 ) I was NOT greeted in a friendly way -- I told the bank representative XXXX XXXX my situation - he called a number that told him the same thing I was told : " They can't say why they closed my account '' but to call back on my Monday, and they would " mail me my check '' back. I demanded the money but he refused, so I left the building. The fact that the bank can not in good faith indicate why they denied me, and a refusal to do so violates federal law ( I have an NMLS # ), and I am familiar with consumer reporting. I have a clean XXXX report, and they refuse to indicate anything as to " WHY " they closed my account. Bank of America and this branches employees clearly have no issue violating my rights to a consumer report. Keep in mind my account was open, approved, and then the very next day denied and closed for NO reason and they can not say why nor will they give me my money back when requested. I know I being redundant but this is illegal. Please investigate! Demand answers and if needed ( which I believe it is ) send CFPB employees to interview these egregious consumer violations! I will be happy to speak with any of the authorities to provide a detailed account of what occurred. Thank You!
I had a joint account for a mortgage loan that was included in my previously discharged Chapter XXXX. The loan was sold to a different company thats trying to illegally Re-report the same discharged debt. Ive repeatedly reported to Equifax that this account should be removed from my file. They would take it off then it would reappear months later. The company is XXXX XXXX XXXX. This company is willfully violating the Fair Credit Reporting Act. Equifax is allowing them to do so by not removing this completely from my file. XXXX and XXXX   already removed from their file.
I will insert that I have sent to Company.
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Regarding Account # XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My purpose for writing this letter today is twofold ; one is to thank Exeter Finance for the excellent service you have provided me over the last few years and the second is a humble request to have my account information amended with regards to a late payments occurring in XX/XX/XXXX.
I bought my XXXX XXXX XXXX in XX/XX/XXXX, and couldnt be happier with my decision. Was it not for me having a XXXX in XX/XX/XXXX, it has left me XXXX and caused my employer to retire me from my position at the age of XXXX. It has taking me a whole year to become successful against the Social Security Administration and they have approved my claim. Id have a spotless payment history. I understand my obligations with Exeter and I have worked diligently to amend my relationship with you since that time. I have setup with my banking institution to autopay this account.
Since then I believe I have learned the essential organizational and financial management principles I desperately needed. Thankfully, responsible credit management is now reflected in my credit records which, excluding the Exeter 30-day late payments, are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless into the future.
Recently, I have begun my quest for a mortgage, and it has come to my attention that my tradeline with Exeter may affect my chances of obtaining the very lowest interest rates now available. Since the late payment ( s ) of record do not reflect my current status with Exeter, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ). I sincerely hope Exeter Finance believes in their customers, and I humbly request your consideration. I appreciate your time and look forward to receiving a favorable decision from you department soon.
Regards, XXXX XXXX XXXX  Please read about my condition. My quality of life has changed.
XX/XX/2016 I paid my XXXX phone bill of {$220.00} and it cleared my account on XX/XX/2016. About the XX/XX/XXXX I filed a dispute on XXXX charges. 

Someone at Chase included my XXXX payment of {$220.00} in the claim. They have admitted it was Chase error. 

I NEVER disputed XXXX charge. However, it was charged back from XXXX. 

I have dealt with XXXX collections and had to REPAY another {$220.00} to keep my service active. I had to Pay twice for my XX/XX/XXXX phone due to Chase error that they will not return while they figure it out! Chase has NOT returned my money! 

in the amount of {$220.00}. It is not at XXXX ( I have verified with XXXX ) I have spoken with the claims dept at Chase to no avail. I 'm told each time that it will be another 5-7 days. It has been 4 MONTHS! 


This is outrageous! I NEVER filed a claim on XXXX! 

The amount was NOT returned to my account! The Amount was NOT returned to XXXX. 

THIS IS UNACCEPTABLE! 

PLEASE HELP!
I am writing to dispute the status and terms of XXXX student loans I used to have. The first is listed as XXXX, and has an account number of XXXX. The amount is currently listed as {$6400.00}. The second is listed as XXXX, and has an account number of XXXX. The amount is currently listed as {$7300.00}. I have no loan with either XXXX or XXXX with a balance at this time. All are closed with a {$0.00} balance. 

Both of these accounts are actually paid-in-full, closed, with {$0.00} balances. I have attached the letters that I received from both XXXX and XXXX. However, Experian continues to report them incorrectly with incorrect status and terms. The creditor states that they have updated Experian 's records, yet this does not occur. I try to dispute them with Experian, but Experian states that I have used my " maximum number of views '' and therefore I can not view the report that I must initiate a dispute off. Of course, I can if I pay Experian, I am sure to be allowed to view a credit report so I might fix their error. I would like these accounts updated to reflect the actual account terms and status or removed from my credit report altogether. These credit reporting companies really restrict an individual 's access in order that they can not easily or quickly correct an error on their credit report. Thank you.
I was not notified that there was a debt owed to the company and before they notified me so we could resolve the issue, they pulled my credit without my permission thereby damaging my credit score as reported by the credit bureaus according to my credit monitoring service. I have asked them to remove record of the credit pull or change the credit pull to a soft pull so that it will not adversely affect my credit score but have refused to take action. 

I contacted the company 's representative on XX/XX/2019 to withdraw the credit pull or at least change it to a soft pull but they refused even though we came to a settlement agreement. 

I also notified the company of the dispute via mail on XX/XX/2019 that I have attached to this dispute.
I had a dispute with a Banana Republic credit card. I believed that they charged me twice and the amount on the card was in dispute. However, they did not notify me when they were done investigating and the amount went back on my card without my knowledge for a few months. They have now reported that to the credit bureaus, but I was unaware that it went back on. As soon as I was aware of the investigation results I just paid the amount. I still believe they charged me twice, but I did n't want this to keep happening.
this 3rd party company did not Validate this information with whomever is REPORTING this information about me and provide FULL DOCUMENTATION associated with this including my signature that contractually binds me to this account above. As asked in previous disputes to the CB they have yet to provide the information that i have asked for under my rights of the FCRA. they sent me one letter that has not verified no contracts signatures or anything and it looks like they typed the letter themselves they are harassing me by phone and via mail to collect a debt that i have no knowledge or and i have no idea how this company got and of my personal identifying information i have sent letters the the collections bureaus requesting validation which was received by all CBs because i sent via certified and i have all my return receipts i am sending directly to them via certified on XX/XX/2018 i have copies of all letters sent and information sent to me
Jefferson Capital System is reporting to all XXXX credit bureaus that I have an account with them which I do n't and that I made a payment to them which I did not which has now updated the account so that it does n't fall off. Is this legal?
I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed copies are attached. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
Please remove all none accounts holding inquiries and send my a copy of updated report.
I had a judgement against me which I paid off a few months ago. This company took my payment and refuses to give me my warrant of satisfaction. I have called and emailed them as well as had my bank call and email them and we have gotten absolutely nowhere. They claim that they dont issue the warrants, that they only collect the money and foward the info. They also refuse to tell me who they forward the info to and/or what attorneys represent them. They say that they dont know because its always changing. All I want is my warrant of satisfaction so that I can file it with the court and have it removed from my record. The debt is paid and there is no reason I shouldt get this. Ive tried for months and gotten nowhere. Please help me with this simple request.
Experian is ignoring my requests to investigate and remove fraudulent inquiries from my credit file that were not initiated by me.
I owed XXXX a past due bill in the amount of approximately {$150.00}. I paid this bill a number of years ago. In XX/XX/XXXX or XX/XX/2016 I applied to have XXXX XXXX service to my home. I was informed by XXXX that in order to get the service I had to pay the outstanding bill of approximately {$150.00}. Despite having paid it before, I paid it again because my fiance really wanted the service ( happy wife, happy life ). Apparently XXXX has turned this PAID debt over to at least ( 2 ) different collection agencies that refuse to remove it from my credit report. Additionally, I've call XXXX numerous times only to be put on hold for ( 30 ) minutes each time. Once I get through, I'm transferred to the collections department where the call ALWAYS gets dropped. I've enclosed my current bill with XXXX and information on ( 2 ) collection agencies.Thanks for your attention to this matter
The mortgage company sent me a new escrow account disclosure statement indicating I owed a certain escrow amount and I have protested the amount because the homeowner 's insurance amount is larger than the insurance company 's quote to me. I am exempt from paying property taxes in my state because of my XXXX XXXX. Last year I refinanced my mortgage with this company. They received all of the paper work and submitted an escrow amount that was not correct and sent a check to the County where I reside. The County sent the check back to the mortgage company and explained that I was exempt from paying property taxes and their escrow amount was incorrect. My mortgage amount is scheduled to increase to reflect the incorrect insurance amount and property tax amount. I have spoken to at least XXXX representatives for this company and they all tell me something different. I was scheduled to get a call from them yesterday but never received a call from a supervisor. I have never missed a payment or been late. I will pay them the amount that is the proper mortgage payment instead of what they are requesting I pay because their amount is incorrect.