WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX I called Chase bank to I inquire about charges on account. I had a joint account. The customer service department transferred me to the fraud department. The person at the fraud department asked me my name, address social security number, etc. However then they asked me if I had the debit card in front of me, and even though I told them I did, they then acted really paranoid like I was not the real account holder even though I told them information only I could know and then transferred me to some automated system that told me to enter my card number and expiration date, and even though I did the automated XXXX XXXX XXXX said the information was not valid even though it was and locked me out of my own card, why I transferred to an automated system system made no sense that did not work and locked me out, why the person working in the fraud department got all totalitarian makes no sense, I could not even log in online to resolve the issue, or deal with the issue by calling customer service. I had to go down to the branch in person because the fraud department was treating me like a criminal and locking me out of my own account. Maybe Chases ' totalitarian fraud department should be contracted to run private military companies in countries where rights do n't matter, because they acted like that, but in my opinion, the fraud department should not be in the baking business because in the XXXX where civil rights exist, maybe this policy would be okay in XXXX XXXX. I was a customer for over 10 years and yet they treat a customer asking about a transaction like a criminal, it 's highly unlikely even if someone stole my debit card they would know my address, social security number, address, pin number, and online user name and password, so why lock me out if my online account? I could not even call customer customer service to order a new card because my account was frozen. There is lack of transparency and due process. No administrative appeal or grievances available. I feel the fraud department acted in bad faith and very unprofessional, I was never even given a logical explanation of why my card was locked when I went to the bank branch, so I believe my account and card was frozen simply to harass and oppress. I had direct deposit from social security XXXX so maybe this was discrimination and maybe violated the equal credit opportunity act. I do n't feel my case was treated in a fair non discriminatory manner and I was never given any explanation. A customer should be able to inquire about charges without being treated as a criminal, when I enquire about charges at another bank, they do n't think accuse me of being a thief, they treat me like a customer, they contact me by email if they need more information, chase bank was not reasonable and froze my account, fraud is a concern to financial institutions, however, consumer rights should be an equal concern.
I sold my home on XXXX XXXX on a short sale. I called Bank of America several times after XXXX XXXX, 2015 to report that my bank account was showing that the loan was still owing and that a payment would draft on XXXX/XXXX/15. I was told repeatedly that everything was fine and that would n't happen. On XXXX/XXXX/15, the payment did come out of my bank account. I called immediately and was directed to my " case manager '' in the short sale process. She is the same person I had tried to get ahold of for weeks but kept getting to someone else. I did speak to her. She could not see the payment since it would post the next day for her to see. She scheduled an appointment with my for the next morning, XXXX/XXXX/15, at XXXX PST to call me. She never called. I called her several times to no avail. And as of XXXX/XXXX/15, her department no longer has voicemail. I finally talked to whoever answered the phone and asked for a manager. All of the managers were in meetings or sick or on vacation. I had to speak to a supervisor or something. However, he was not available. He did have voicemail. I left a message for XXXX XXXX and have never received a call back. Today is XXXX XXXX. So, I have had no calls returned in 12 days and my money has not been returned. I tried to go into my branch on XXXX XXXX also. The manager there tried to help, but ran into the same issues I did with finding someone who could help. After a week, she left me a voicemail saying she had finally spoken to someone and that they were working on it. That was XXXX XXXX. Today, XXXX XXXX, I tried to call XXXX again, my " case manager. '' Of course, someone else answered the phone, XXXX. XXXX could n't help me so he transferred me to XXXX in the loan modification department. XXXX could not help me either and had to transfer me to customer service. I was just on hold for 30 minutes with XXXX transferring me and now the phone hung up. So, I am at the end of my rope. I can not be on hold any longer. I am trying to move out of the property at this moment and ca n't waste hours a day getting transferred all over bank of America and still not get any help. Supposedly, the EFT transfer for future months was finally cancelled when I spoke to bank of America on XXXX, however, XXXX told me today that another payment is scheduled for XXXX XXXX. 
There was also a payment taken out on XXXX XXXX that perhaps should n't have been either. The pay off amount was calculated previously. I may have now overpaid by XXXX payments.
Flood Insurance over charge. Every year Bank of America sends me an Flood Insurance update XXXX in XXXX XXXX for renewal purposes. It is always a hassle, they send me an OPT OUT letter which allows me to only have flood insurance coverage on the amount of balance owed. Getting them to honor it is very difficult. Last year they had the amount incorrect and refused to correct it. I sent back the letter with a copy of my statement showing I only owed them XXXX NOT XXXX. When I called them, I was told several times " oh yes we will get that fixed ''. I requested paperwork in writing over and over, it never arrived. They drug it out past the " renewal window ''. I had a XXXX call with BOA and XXXX which got very heated. BOA " bank of America '' said it was Insurance company so we then got her on the phone as well. BOA still insisted and XXXX was amazed by the ignorance of BOA, but it was to late and I was denied by XXXX in reduction of coverage because the bank refused to correct the paperwork in a timely manor. BOA was sued recently for placing lender based insurance on there loans. This was before my new troubles with them so I did n't join the class action law suit. They have managed to get me the last two years. Now my payment is approx. XXXX more than it should be due to the extreme amount of flood insurance they selected for me! I believe the new " amount owed '' error is not an error and it is there new way of getting away with the over charging of there customers. Previously it took several heated calls to get them to honor the OPT OUT letter. its so aggravating and unfair of BOA the lender to treat the customer this way.
A glitch occurred within the Trans Union system that violated the rights of their consumers under section 6.11. As a result, I have been exceedingly effected and my credit score is suffering as a result of this Trans Union glitch. No notice was ever given which is also a violation. I am requesting that ALL inquiries be removed. Please see inquires below. 

XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Department and variety stores - non specific Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX XXXX XXXX Bank credit cards Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Automobile dealers, new Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY Thank you, XXXX XXXX
This collection agency is attempting to collect on authorized charges/billing of a medical provider. The items were disputed with the medical provider.
Went into the XXXX XXXX. Wells Fargo Branch. I stepped up to the teller window, I told the teller that I was there to pay my mortgage. Sadly I did n't have the account number with me. She asked me my name, I replied, I am not on the contract. She looked around for help. The mortgage is based on land/home ownership. I believe that they could have taken my address to look up the mortgage. They only had a ca n't do attitude, whereas they would be happier if they 're customers were happier. How can I help you is the better way to a consumers heart. 

I called the number on the response letter and the gentleman who answered, I forget his name, just rambled on about how they were right. I think the corporate culture needs a sorely lacking update on how to support their customers.
Wells Fargo without any form of notice and after refusing to discuss alternative solutions has my home for sale on XXXX/XXXX/2015. I have applied for a modification and submitted all request documents and have not been contacted by them. My title work from the date of purchase does not indicate that Wells Fargo has any ownership right to my property and I have sent them a Qualified Written Request ( QWR ). Wells Fargo has refused to tell me who the attorney is handling the upcoming sale of my property nor have they informed the other owner of the property, this party is on title but not on the debt.
These events been happening for the last two years. Misrepresentation of forbearance of student loan, release of cosigner, when payments are on time the student loan balance does not go down, and refusal of the reduction of payment on the student loan.
I expressed to the debt collector who initially called me about a payday loan that was taken out in my name that i thought it was a case of identity theft and that i requested papers to be sent to me through mail and I have yet to receive them. She transferred me to another person ( male ) who said " looking at your file, it is apparent you dont pay any of your bills '' and cursed at me and hung up on me. All of this when i was just trying to calm him down from being rude. I told him that wasnt neccessary the way he was speaking to me, and this man hung up on me before i could get any other information.
Kay Jewelers continues to harass my wife on her phone even though she is not on the account and never has been. They also call after XXXX.
For a XXXX time, the Macy 'XXXX Card company charged XXXX a late fee and interest on a payment that the bank records showed was paid on time - in fact, after the XXXX time, I set the payment to pay BEFORE the due date. This time, the payment was due XXXX and they were paid XXXX. Although they removed the fees when I called and agreed the payment had reached them on time, many people would just have paid. What a way to make money.
This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX  and XXXX
I was contacted by " XXXX XXXX '' from Mid Atlantic Consumer Services via phone and email, saying I owed {$1300.00} for a plain green loan from XXXX. I never received a letter yet by XXXX Mail from this company. She only gave me the name and account ( XXXX XXXX XXXX for the creditor, never a website or address. The problem is I was contacted by a company in XXXX XXXX called XXXX XXXX XXXX and paid them through XXXX Billing {$110.00} a month for 7 months, XXXX XXXX through XXXX XXXX. I have been doing some research and have found that all these companies operate with addresses out of NY that go to post office boxes in a XXXX store, XXXX XXXX and recently got a XXXX address. I already paid what I now believe to be a bogus company and I do n't want to be expected to pay another bogus company.
On XX/XX/XXXX I sent XXXX BTC to my coinbase.com account and it showed up as a confirmed transaction in my coinbase account and on the XXXX XXXX, but coinbase has not updated my account balance so I ca n't withdraw my funds. 

I also bought XXXX Bitcoin on XX/XX/XXXX and held through XX/XX/XXXX and did not receive my Bitcoin Cash Transaction : XX/XX/XXXX I contacted Coinbase customer service XX/XX/XXXX and have n't heard back. I reached out to a Coinbase XXXX support team member on XX/XX/XXXX no response. I contacted coinbase on twitter XXXX and XXXX and still heard nothing. 
CASE ID : XXXX
I went from XXXX to XXXX loan, tranferrred to XXXX loan. 
I was paying {$690.00} a month affordable. II went in to pay one month about 4 years ago and XXXX was like we need more. They wanted {$1200.00} then {$1500.00} a month my entire monthly income amount. I tried to modify and they sold to XXXX and they recently sold to Bayview. ANow I am scheduled for auction on XXXX.
On XXXX/XXXX/15 I called Huntington Bank to get a payoff for a car loan. The information I seen showed a balance of {$3600.00}. I was told that there would be a early payoff fee of {$120.00} added along with two days of interest and insurance for the time it would take for the money to reach the bank. The Payoff was made on XXXX/XXXX/2015 a day earlier than they had predicted. I called the bank the following day and asked how they would send the money for the one day of interest and insurance that was paid? I was told that I would get a check along with the title to the car. Title was received on XXXX XXXX, 2015 but no check was with it. I called Huntington XXXX XXXX, 2015 and was told by XXXX that a check and a letter with the breakdown of the charges would be mailed out. XXXX XXXX, 2015 I called Huntington and spoke with XXXX the supervisor that told me that he would email me the breakdown and that he would have XXXX call me on Monday XXXX XXXX, 2015 about the refund. Never received the call from XXXX to this day XXXX XXXX, 2015. The breakdown of the charges that XXXX emailed ( see attached ) was not what I asked for. The amount I was charged on XXXX XXXX, 2015 was {$3700.00}. If you add the {$120.00} early payoff fee the balance would be {$3700.00}. Add {$3.00} for two days of insurance and interest would leave an over payment of {$1.00} owed me.
i am writing you today because i was shocked when i looked at my credit report and saw that you are reporting me 30 days late on XX/XX/2018 
i am a senior citizen and i need my credit to be in good standing i am a business owner and i want to apply for a loan but your reporting is hurting my ability to obtain a loan. 
i dont remember missing a payment the only thing i can think is that my statement didn't get to my mailbox, the mailman might of dropped it off in the wrong mail box.
In late XX/XX/XXXX I got a letter in the mail to open account with them and get {$200.00} if I do a direct deposit and maintain a minimum balance. I had my check going into 2 banks already I added them in for {$200.00} to start with. It takes two 14day cycles to see your action. I month and a half I tried to log in and I could not because of the demands they ask to you put this and that before they will talk to you. With difficulty to get to talk to them or been able to log in. I was very much discouraged to make contact. Bank location was 10-15 miles from my home. I let it go since this account was meant to save only. I never withdrew any thing during its life. 

Some how I got into the account 2 months later and checked that the deposit was in. I increased to $ 1000+ a check. Then I left it alone till now when it has 32000 in it. When looked at it after that long they have charged me {$50.00} times 2 for low balance as maintenance fee when i did not have any activity in my account. I have never withdrawn from XX/XX/XXXX to XX/XX/XXXX. I asked them to at least refund my {$100.00} fee if they are not going to give me {$200.00} gift they were going to give. 

On XX/XX/XXXX I called and I was promised some one will call me back. I waited till Wednesday, Still no call back but I called they again took the message. Today XX/XX/XXXX, I called again and held on phone for 32 minutes and they still say that they cant help me. They call themselves privileged team for privileged accounts. 

I am going to the branch and close the account by XXXX today.
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with The Bureaus ( {$950.00} ), XXXX ( {$600.00} ), XXXX/XXXX ( {$0.00} ), XXXX XXXX - XXXX XXXX XXXX ( {$69.00} ), are fraudulent and have no merit or basis on my report.
I opened my mail on Wednesday, XX/XX/XXXX. I was sent a letter from Discover saying I was pre-approved for a loan for debt consolidation. I went to XXXX and filled out the form. I was then directed to call XXXX to speak to a representative to verify some information. I called the number, as directed, and it states it is the discover personal loans department. I was on the phone with a lady who asked questions to confirm my identity - Name, date of birth, phone number, current address and social security number. I gave all of the needed information. She then asked why I wanted to consolidate my debt and what accounts I wanted to transfer the funds to. She then explained that I was approved and informed me that they are able to transfer the funds to the accounts I wanted. She was very persistent with that being the best option. I said that I wanted to have it deposited into my checking account and that I would distribute it as necessary. She then told me I was not approved and that they would send me a letter in the mail explaining why. I thought it was very odd since I was already pre-approved and she said I was approved initially. I was frustrated but thought nothing of it. Friday, XX/XX/XXXX, Discover e-mailed me about getting started on my Personal Load. I was confused that I received an e-mail from them when I had previously filled out the SAME form and was told to call and then denied. I chose the option to chat with a representative. I explained the situation and the kind lady began looking for my application. She verified who I was and informed me that she found no records of me applying. She asked me what number I called and then told me that it was not a valid Discover number. At that point I googled the number XXXX and saw that someone noted it was a scam number.
I was solicited to apply for student loan forgiveness from a company called Fed Loans in XX/XX/XXXX. They told me that because I worked for a non-profit organization ( XXXX ), that I qualified for loan forgiveness after a 10 year period. I filled out the application over the phone and faxed all of their required documents, including tax forms and proof of income, as well as my employer 's tax identification number. I was required to reapply every year, and did so diligently and on time. After my attempt at renewal for XX/XX/XXXX, they came back to me with a denial letter. I still worked for the same company and had not even received a raise during my time with that employer. When I asked them why I did n't qualify, they told me that when I first applied, the person who took my application entered incorrect information and it disqualified me. I tried to explain that this did n't make sense because I qualified fine the following year, but they refused to listen to me. I had made several calls and attempts to requalify, to no avail. When I was forced to begin payments once again on my loans, the interest was higher than my previous ( XXXX ) service and I had 2 years of additional interest and payments added onto my loan ( because I had n't paid during the time I was " qualified '' for the loan forgiveness ). I feel deceived and angry. 
*I was a University XXXX student
1. I was making a reservation ( XXXX XXXX XXXX by XXXX XXXX for XX/XX/XXXX to XX/XX/XXXX ) through XXXX XXXX XXXX ( which is one of the benefits for XXXX XXXX Card holders ) over the phone. 

2. A customer service representative ( CSR ) of XXXX XXXX XXXX, " XXXX '' guessed that I wanted to make a reservation for XXXX XXXX by XXXX XXXX for for XX/XX/XXXX to XX/XX/XXXX, instead of XXXX XXXX XXXX by XXXX XXXX for XX/XX/XXXX to XX/XX/XXXX.

3. Before she reserved the XXXX XXXX by XXXX XXXX, I found her mistakes and tried to fix the issue by emphasizing that " I want to make a reservation for XXXX XXXX XXXX, not XXXX XXXX '' and by providing the address of XXXX XXXX XXXX multiple times to her. Finally she seemed to understand that she should reserve XXXX XXXX XXXX, not XXXX XXXX. 

4. During the call, she told me that she would send me a confirmation email for the reservation within 15 minutes.

5. I received the confirmation email for the only XXXX XXXX XXXX ( attachment : XXXX ) with Case ID : XXXX and then I checked my XXXX account. I found her mistakes - she made two separate reservations - XXXX XXXX XXXX and XXXX XXXX - for XX/XX/XXXX to XX/XX/XXXX without my permission even though I emphasized that I needed the only reservation for XXXX XXXX XXXX, not XXXX XXXX to her multiple times during the call.

6. I called again the XXXX XXXX XXXX. After waiting more than 40 minutes to contact a CSR, the call is connected to another CSR ( Her name is XXXX ). She simply told me that she did not power to cancel the reservation because XXXX reserved XXXX XXXX with non-refundable rates ( even though I did not allow her to reserve XXXX XXXX ). 

7. Attached ( XXXX and XXXX ) are proofs that both of the reservations made by the XXXX XXXX XXXX using the email address in the attached file because the email address is XXXX ( not my address, XXXX ). 

8. A huge mistake by XXXX of the XXXX XXXX XXXX made me frustrated. No willingness by XXXX of the XXXX XXXX XXXX to help me under the frustration made me disappointed. 

9. I hope that the wrong reservation by XXXX will be fixed/cancelled within 24 hours because the reservation would start on XX/XX/XXXX.
Continues to call my work. I 've been told by XXXX different representatives that they have removed my work number.
Transunion I sent you a dispute form asking you to please investigate credit inquires on my credit file Because but you fail to do so I have asked you to lock my credit file so nobody can get access to my file due to the fact of identity theft you have failed to investigate my request. I Will send you once again my letter of request attached to cfpb site. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX
Please refer to the following sets of previous case numbers:XXXXXXXXComplaints were originally filed against this creditor by me, the creditor has admitted they areunable to locat eme in their records however they will not remove the invalid items from my credit report. This is my third time sending a dispute to CFPB and teh last time I disputed, they did NOT respond within their allowed 30 day timeframe. THe creditor is the same for both items, but the XXXX items are independent of eachother and both negatively are impacting my credit reports.