WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to ask for your help in investigating why Chase Bank recently closed my credit cards and then subsequently ceased all business with me. I have been a Chase Customer since XX/XX/XXXX. I have paid my credit card bills on time and have never left a balance on any of my Chase Credit Cards since opening up my first credit card with Chase inXX/XX/XXXX. I have all of the bank statements to prove it as well. 

On Friday XX/XX/XXXX my Chase Personal Credit Cards were all working in the morning and in the evening they no longer worked. I called up Chase and all they would tell me was that they had ended their credit card Relationship with me, as per their terms and conditions, which simply state they can close your account for whatever reason they want if they so choose. I asked for a real explanation as I have been a loyal customer since XX/XX/XXXX and have never even missed a payment. Unfortunately, Chase only provided me with the same line we can close your accounts whenever we want as per the cardholder agreement. There was no warning, no explanation, and no one willing to give me a real answer. I followed up with an email to the customer service team onXX/XX/XXXX and received a similar message. 

I subsequently spoke with a Chase Executive Member ( whose name I can provide ) who called the Chase Closure Team who also was unable to give me with any more information, as she stated that the Closure Team would not give her an answer either on XX/XX/XXXX. I find this to be extremely puzzling. How is it that the Chase Executive Office can not even get a straight answer from another department within Chase. 

I then got a letter from Chase on XX/XX/XXXX stating that my credit cards were being shut down. Again, when I called, I received the same response. Chase reserves the right to close your account for whatever reason they want as per the cardholder agreement. 

On XX/XX/XXXX I called the number on the back of the Chase Sapphire Reserve Card that I had. The woman responded by telling me that the account was closed, she couldn't see why and that there was no way to get it reinstated. I asked her to transfer me to a supervisor. The supervisor told me to write a letter with my complaint and to send it to their corporate office but that I was never going to receive an honest response. 

I feel that I deserve a real explanation. Is Chase really saying that unless they can make money on me, my business is not welcome? Am I really being punished for being on top of my finances? I would appreciate a real explanation and any help in this matter. Ideally, I would like my accounts reopened as I have done nothing wrong. This has also ruined my credit which is truly unfair. Again, another reason why I feel that my accounts should be reinstated. 

Please Help!
I am elderly XXXX years old on a fixed government income and I have told Mercantile Adjustments Office & XXXX XXXX XXXX XXXX XXXX and Headquarters ( Mailing Address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX To stop calling me.
U.S. Bank Home Mortgage has made it extremely difficult to allow me to get caught up on a few missed payments for my mortgage. U.S. Bank Home Mortgage has committed dual tracking, in violation of the CFPB rules. U.S. Bank Home Mortgage has drawn out the loss mitigation process while at the same time filing for foreclosure in New Mexico 's XXXX Judicial District Court. To date the process of getting a loan modification has taken XXXX months. During this time they have made it extremely difficult to get a loan modification by requesting additional documentation for a loss mitigation packet that was not initially asked for. When complete documentation ( pay stubs, child support, etc. ) was sent in, I was told that next month that they needed something in addition to, plus the previous documentation. 
U.S. Bank acknowledged in a letter dated XXXX/XXXX/2014 that they had a facially complete application for loss mitigation, but still filed a foreclosure proceeding. I was in court yesterday for a scheduling conference for the Foreclosure and presented a letter from U.S. Bank proving that I had finished the trial payment plan and that a loan modification was in process. The Judge ordered a XXXX day stay of the proceedings so the loan modification paperwork could be finalized. 
Unfortunately, I have spent a lot of time and money defending this foreclosure in court. This also has been very XXXX on me and my family because of the worry about losing our home.
First of all, this company has never contacted me regarding this debt that they purchased. Theyve been reporting on my XXXX report for 10 months now. Had they contacted me, I would have explained that Im on XXXX and they cant collect my benefits. I also wonder how they can force me to pay an amount they never paid themselves. Unfortunately, they will not be able to collect on this debt. I also don't understand why payday loan companies get away with charging exorbitant interest rates to create hardships for people.
I am an attorney with a law practice in XXXX. I am familiar with fraudulent offers, etc. Recently I found out through my CPA office that someone fraudulently filed an federal income tax return for 2015 to claim my refund. Fortunately the IRS picked up on this and with their help, today over the phone the fraudulent return was denied. About two weeks ago, I also received what appears to be a fraudulent offer from netSpend, XXXX, TX XXXX. They sent me, without my applying, a debit XXXX card in my name with instructions on how to activate it and to have money placed in it directly from my employer. I am hopeful I can attach a copy of the flyer to this complaint. If not, I would like to send it to you at some point. My wife and I both checked online and found numerous complaints about XXXX 's bad business practices. There was even an instance where the owner of a card that was not activated, was charged fees on his card and it was reported to a credit bureau that he had an outstanding debt to the netSpend. I tried calling their customer service number and could not speak with a live person. They only wanted my social security number or the card card account activated, both of which I refused. I want this card account terminated so that no charges or fees can ever be placed on it.
Someone Kept the electric bill in my name after I moved out in XX/XX/XXXX. I called XXXX XXXX in XX/XX/XXXX when I tried to put a bill in my name and they tell me I already have an account to shock me more the bill was over due and over 4,000 dollars. From my understanding they sent over someone to shut it off and could not get in the house. I am now in debt over 4,000 because someone was using my name for this address. This is not my debt. How do I dispute this
On XX/XX/XXXX Myself and my husband signed the face sheet of the acknowledgement and receipt of settlement statement. The interest rate was quoted as 5.125 with us paying {$6200.00} to pay it down 2.25 % in interest. File # XXXX, loan number XXXX. Instead, as you go through the paperwork it says our fixed rate is 6.625 %. The original payment, the first, was {$170000.00} with the interest going down through the years as well as the principal going up you should think that our principal would be more than the interest. It is not. Wells Fargo has consistently raised the monthly premium since the beginning. In addition to same be it noted that at this point we have already paid out nearly {$360000.00} yes in 14 years. in addition to same with the plans they have to charge us through XX/XX/XXXX it will be an additional {$440000.00} added together that is about {$800000.00} that is over a half million extra ( {$530000.00} ) when in essence the papers say first off that instead of 5.125 percent we are paying 6.9160 percent. It also states the finance charge is {$360000.00}. It the mortgage papers state total payments will be {$630000.00}. Wells Fargo is not only charging us 6.9 percent although we paid down the points and interest but they are also trying to charge us an extra {$200000.00}. Even though I asked for a copy of the mortgage they had on file the one that was sent merely had a signature on the first sheet. We are supposed to be at a fixed rate. There was no home equity line established, never surveyed, the attachment page B is merely a blank sheet, Neither my husband or myself signed a Waiver of Borrower 's Rights or closing attorney 's affidavit. All this in addition to the information I gave before must be looked at. Please note that every time I have contacted CFPB all Wells Fargo does is play a game of someone is looking into it. First one person calls, then another saying I am sorry she is out of the office they will get back to you. This goes on for months. For instance the situation from XX/XX/XXXX has not been corrected nor has the one from XX/XX/XXXX. Do I need an attorney or a class action suit. In other words there is a lot more and they listen to no one. Please publish this and I will wait a week before going to the XXXX and any other place that can help. I do not know if this is discrimination but it may be for age and/or color. I will send you documentation to show my home was listed as if I owed {$200000.00}. After all we have been paying since XX/XX/XXXX it is now XX/XX/XXXX where is our money.
Was rejected for a mortgage so the mortgage company sent me a letter telling me that, and included Trans Union as a reporting source. Tried to log in at the website the letter advised me was there to provide me a copy of my credit report, and the site advised me that my report was not available due to a data entry problem. That error note gave me a phone number which I called to probe the problem. Over a period of 4 hours ( really! ), I spoke to 14 representatives - from consumer relations, the offline department, the online department, customer service. Each representative asked for my personal information, spent time researching issues, and then referred me to another representative. Each referral was back and forth from one department to the other - and then back again. I never was able to get my credit report online.
XXXX agree to disconnected service after they try to raise price I send back their equipment and was told no longer owe anything, but the invoice was sent out by mistake.
I have had PHH mortgage since XXXX/XXXX/XXXX I have always made my payments on time and on and around XX/XX/XXXX I reached out to PHH to request a Loan Modification due to the fact that I had lost my business and was in a bad auto accident which did n't allow me to work as much as I used to in my younger days. The agent stated they could not help me because I was current and owned another property with them, the agent recommended for me to fall behind on XXXX homes so I can be reviewed for a loan modification. My other home XXXX was foreclosed on by PHH mortgage on XXXX/XXXX/XXXX. The home was up for sale and this information was communicated with PHH and they agreed to stop the date but they still foreclosed on the home. Now they are trying to foreclose on my primary residence were me and my wife reside. We applied for a loan modification several times and agree they have all documents then in 2-3 weeks they request the same information from us. We feel they will foreclose on our last home me and my wife owned If we do not get help now. Our foreclosure is scheduled for XXXX/XXXX/XXXX @ XXXX. I feel since I was under review for loan modification PHH mortgage is in violation of the California Home owners Bill of Right law which is set to protect us from issues such as this.
The collection agency left repeated automated messages on my answering machine associated with the above number ... the message was such anyone in the household were advised of my debt to XXXX.
EQUIFAX SECURITY BREACH HAS DESTROYED MY LIFE ... INACCURATE INFORMATION REPORTED ON MY CREDIT REPORT
I have had nothing but trouble with the XXXX XXXX XXXX, coit office for dealing with my mother 's accounts and my power of attorney for her. 
MY mother is XXXX and living in assisted living with XXXX. 
MY latest complaint about this branch and especially XXXX XXXX, Asst Mgr has to do with the following. issue. 
As background, this branch has adamantly refused to assist me with basic simple issues regarding my mother 's account. I had to fly to Washington State where another Chase branch approved putting me on the Charge Card as POA, and putting me on as a co-owner of the checking and savings accounts. All I have been trying to do is put my mother 's approx XXXX pts into about $ XXXX cash and put it in her checking account. I was told by XXXX XXXX that his branch could not help me. Do I have to fly to Wash St to get this accomplished? If the XXXX XXXX XXXX does n't want my or my mother 's business and I 'll take it next door to Chase. 
How can my sister put moneys into my mother 's account if she is not on the checking or savings account. I have POA, previously approved and the Bank has multiple copies of it authorizing me full access to my mother 's finances and now, this branch, specifically XXXX XXXX again refuses to assist me.
You, AGS Solutions, Inc must be a Third Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. 
As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. 
Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, AGS Solutions, Inc are agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). 
You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. This is my notice to AGS Solutions , Inc to Cease and Desist 15 USC 1692c 805.  Communication in connection with debt collection. I have no paperwork or contract for business with AGS Solutions.
The " annualcreditreport.com '' website is a piece of junk.
The CAPTCHA fo  rm is close to illegible, requiring multiple attempts that often abort the process.     The use of popups also causes the process to abort.     I was able to obtain only  XXXX  of  XXXX  reports. The other  XXXX  apparently thought the report had already been provided, when it had n't, probably due to popups aborting the process.
I had a home equity line of credit with First Merit Bank now part of XXXX and recently closed it due to the sale of my condo. I was assessed an account closure fee of {$350.00} even though the schedule of fees did not include this fee. Buried in the language of the loan documents it said that they MAY charge an account closure fee. It did not state that they would charge a fee. I spoke to an individual that stated even though the language says they may charge a fee it is their practice to charge a fee. This language is extremely ambiguous as the institution can pick and choose who they want to discriminate against and charge this fee. Being a XXXX customer, I feel that I was unfairly discriminated against due to my XXXX background. Further I believe this to be a UDAAP violation as they are engaged in a deceptive practice indicating that they MAY charge a fee when they do charge it. 

A formal investigation should be opened against this institution and there should be a regulatory enforcement action against them.
Hello my name on the Transunion credit report has my name as XXXX XXXX XXXX. I do not have a middle name. My full name is XXXX XXXX
The account was deleted and replaced back onto my account. I requested per FCRA on XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX an dXX/XX/XXXX for Experian to provide me with the actual documents they have on file to substantiate this charge-off. This account was initially deleted due to Identity theft by XXXX XXXX XXXX. I have requested that Experian once again permanently delete this account with a credit limit of {$600.00}.
Equifax is reporting incorrect information on my credit report in reference to an account with XXXX XXXX. According to the terms of the contract this account went thirty days past due XX/XX/XXXX and was never current from that point forward. XXXX XXXX is not disputing this ; please see attachment enclosed. XXXX XXXX is attempting to age the debt through internal reporting practices. Any changes in the terms of the contract must be in writing and I did not consent to any special deferment program that allegedly brought the account current XX/XX/XXXX. I request written documentation changing the terms of the contract. If XXXX XXXX is unable to produce written documentation expressing my consent to changes in the terms of the contract then they must adjust the date of delinquency to XX/XX/XXXX. These internal reporting practices are a way to age the debt and are a violation of the Fair Credit Reporting Act. This account went 30 days past due more than seven years ago and exceeds reporting limits.
This collection agency " Pro Collect '' has placed debt collection information on my XXXX and XXXX credit which has lowered my score. I have called them numerous times and they have sent me a XXXX page, very heavily coded, letter which tells me absolutely nothing about this alleged debt. They placed this debt collection info on my credit reports BEFORE they even contacted me to collect the debt. I have told them NUMEROUS times, if they can show me where I actually owe this {$75.00}, I will be very happy to pay it. But they never bothered to show me. This is just not right. My credit has always been almost XXXX and it 's now XXXX. I want them to prove to me that I owe this debt or take my name off their list and clear up my credit score. These are very difficult people to work with here.
I sent a complaint about TD Bank on XXXX/XXXX/XXXX regarding being charged an overdraft fee when I deposited money into the account before the fee was given. Today, XX/XX/XXXX, they ( TD Bank ) deducted the maintenance fee of {$8.00} and because the overdraft was not returned I am put back into the negative ( - {$2.00} ) again.
MY QUESTION IS WHY A COMPANY THAT SUBMITS CREDIT INFORMATION (AND HAS A RIGHT TO DO THAT) AND FINDS THE ISSUE WAS RESOLVED DOES NOT HAVE THE ABILITY TO HAVE THAT CORRECTED SO ONES FICA SCORE CAN BE CORRECTED (AT LEAST BACK TO WHERE IS WAS WHEN THE ORIGINALLY REPORTED THEIR ISSUE?
This makes no sense, being they cannot do that could cost a consumer a loan or a higher interest rate because of something that is incorrect.
Not fair, common sense would suggest that is a report is received and proper resolution is found due to a mistake or judgment error...whatever, they should have the ability to go in and correct the FICA score and according to XXXX, they are not allow to do that.
XXXX XXXX representing XXXX XXXX called XX/XX/XXXX in an attempt to settle up XXXX accounts they are trying to collect for XXXX Student loan Trust. While talking to XXXX XXXX she had stated that XXXX would settle for {$29000.00} and then the next day I was sent an email saying that XXXX would settle for {$43000.00}. I feel that this company is not a reputable company if not a scam. I have recently sent them a letter requesting them to send proof that these loans are valid since XX/XX/XXXX we filed bankruptcy on these loans and feel that they have been satisfied then.
Equifax has recently announced that they have been affected by a cyber security breach that has allowed the personal information of millions of Americans fall into the wrong hands. According to a tool offered by Equifax to check who has been affected, it is likely that my own information was also included in the breach, meaning someone almost certainly has my personal information due to irresponsible safeguarding of said info by Equifax. This breach occurred only one month after my credit history began. My new credit history has no negative marks on it, and has a credit score of around XXXX, which makes my very concerned that my personal info will be considered " valuable '' by potential identity thieves ; I feel as though my information is more susceptible to being used fraudulently. I am also concerned that whoever may have access to my information might not use it for a long period of time in order to avoid the 90 day fraud alert, as well as to wait until I, and many others, have let our guard down and may not be monitoring our credit reports as closely as we will be immediately after the breach. 

Equifax is entrusted with our most sensitive personal information, and allowing a situation to occur where the information of millions is given out to unknown, unauthorized persons is disappointing, and very frightening.
I have been actively trying to have the collection account/judgment removed from my credit report from XXXX as I and my wife, XXXX appeared before the judge and the plaintiff did not appear and the Judge ruled in my favor that this matter was a non-suit judgment on the behalf of the defendant ( I, XXXX ). I have sent the Judge 's order to XXXX in support of disputing this item from my credit report and they have since removed it. I have also sent the supporting documentation to XXXX and Experian in XX/XX/2017 and have received correspondence from that they will not remove this fraudulent charge from my credit report. I am requesting your assistance in having them remove this from my and my wife 's credit report as this is seriously affecting our credit and lives. Thank you, XXXX
They call my phone at least 5 times a day. I am aware of my debt and have asked them not to call me anymore as I've already told them I would call at the end of the month to arrange things. I've now asked them 3 times to not contact me and that I will. on or around XX/XX/19 XX/XX/19 and now XX/XX/19. It's obnoxious at this point ... they call when I'm at work and they continue to try to talk to me when I'm calling to tell them to stop. I'm fed up.