WillisBack/dataset-financial-user-claim huggingface dataset:
Date: XX/XX/XXXX. 

On or about Monday, XX/XX/XXXX I decided to open a checking and savings account with JP Morgan Chase Bank. I completed the account opening online at www.chase.com. 

After I was able to complete the verifying of my opening deposits, my checking and savings accounts where open. I went into the branch located on XXXX XXXX XXXX XXXX XXXX, La and spoke to the Branch Manager, XXXX XXXX. 

I informed XXXX XXXX that there was an issue in XX/XX/XXXX where I was add to my current roommate at the time accounts. According to Chase Bank record's I was joint on the account with my college roommate. I explained to XXXX XXXX that I have already spoke to many different people within Chase Bank and was informed that I did not own any money to this account or any other account with Chase Bank. I also informed her that the reason for my visit today is due to the fact that I wanted to do due diligence and make sure once more that this would not cause any issues with my new and current accounts with Chase Bank. 

XXXX XXXX informed me that she would reach out to Chase Bank to an undisclosed department and make sure that everything was "good to go" and that I would not run into any issues with my new and current accounts that I have with Chase Bank. 

After reaching out to an undisclosed department with Chase Bank. XXXX XXXX informed me that I "DID NOT" own and money to Chase Bank or its affiliates and that the account in question from XX/XX/XXXX was no longer being collected on by Chase Bank and that it would not affect my current relationship. 

Feeling better about the issue and at the time having a better understanding I felt confidant about being able to start making deposits into my accounts and being able to utilize them. 

On XX/XX/XXXX around XXXX CST I tried to login into my account via the mobile banking app provided my Chase Bank. I was informed that my account access was suspended and that I needed to contact (XXXX) XXXX and speak with the Support Line. After speaking to the Support Line, and not getting a reason to why my accounts where being suspended. I contacted XXXX XXXX back and informed her of the issues that I was having. She informed me that I would need to contact (XXXX) XXXX, Chase Bank Fraud Department and speak with someone in that department. 

I called and spoke with XXXX at Chase Bank Fraud Department and informed him of everything that was going on. After being placed on hold for sometime, XXXX XXXX informs me that "DUE TO PREVIOUS UNPAID BALANCES" Chase Bank has decided to close all my accounts. 

Enclosing, Chase Bank has not been transparent with it's customers, and provided inaccurate information to it's customers. I am asking that the CFPB and any other government agency please look into these types of matter. After doing some extensive research about these types of UNEXPLAINED" and "NO REASON" provide account closer by JP Morgan Chase Bank. I have found that there are plenty of reports about this kind of treatment towards Chase Bank consumers. 

XXXX XXXX XXXX XXXX
XX/XX/XXXX
Barclay arrival+ shocked me with Cash Advance Fees for my XXXX purchase after frequent and regular purchases for over 5 months. 

CASH ADVANCE FEE XX/XX/2018 {$27.00} CASH ADVANCE FEE XX/XX/2018 {$130.00} They did not call me, communicate to me at all in regards to these fees.
I sold XXXX XXXX of XXXX through XXXX on XX/XX/2018. The estimated payout was XX/XX/2018. I still have not received my money. Have called numerous times sent emails nothing. All they say is they are investigating it and have put is a high priority to a specialist. They are not giving me any reason why I haven't gotten my money back. This is the first time I have sold this and worried it is a scam and not going to get my money back. As far as I'm concerned that have stolen my money.
PRA stated that they sent their initial notification letter to me on or about XX/XX/XXXX. I never received any letters from them. I would like to see a copy of that letter along with receipt, as well as the address it was mailed to. PRA claims to have spoken to me regarding a letter I received on or about XX/XX/XXXX. Most companies record for quality assurance, I would like to hear this conversation. I was not receiving and letters or calls from debt collectors in XX/XX/XXXX because I was enrolled in a debt relief program. It wasnt until the end of XX/XX/XXXX that I disenrolled.
On XXXX XXXX, XXXX, a lady called my elderly mother and told me I was going to be served court papers within XXXX hours and to make sure I was home. This was a case of fraud against me. She gave her a number I could find out more information and I called this number. She told my mother that I had given them my mothers name, addres, and phone number. My mother was in a panic. When I called the guy told me he could dissolve this out of court if I paid monthly for XXXX months and put XXXX down today. However, they said the debt was for XXXX on a credit card from HSBC. XXXX problems with this : I have never given my mothers name phone number or address to anyone except my employer as the emergency contact. I have never had a bank account from HSBC nor a credit card from this bank and I have lived overseas in XXXX for the past XXXX years with XXXX accounts in United States for the past XXXX years. I havent even visited United States in the past XXXX years. While I am a US citizen I have lived exclusively in XXXX and XXXX for my job for the past XXXX years. I diligently check my credit report from the writer states often to make sure that theres nothing on it and at no time in the past XXXX years have I ever seen anything from HSBC bank or from any other bank to suggest that identity has been stolen or that any type a valid account has ever been defaulted on. The phone number they told me to call was XXXX. When I figured out it was a scam I threatened to report them to the authorities and he used very XXXX language and called my mother a very XXXX name.
I moved out from a apartment complex following the proper procedures and never received any information that I owed anything until it popped up on my credit report that it was in collections.
XX/XX/2018 I sentva debt validation letter to the company asking them to validate the stated debt, that is not owed to send me original signatures and items used to validate the debt not verify or the company will be in violation of the FCRA Buy reporting in In accuracies on my credit report.
I unloaded the funds from my prepaid visa card to my bank account. They never showed up in my bank account and customer service is refusing to investigate where they went. This is tantamount to theft
transunion is reporting information that submitted to be taken off of my report. debt was paid for XXXX credit card and an agreement was made for that account to be taken off my credit report. XXXX is reported as deliquent and it has been paid for
My name is XXXX XXXX and I have a mortgage loan with U.S. Bank Home Mortgage. A natural disaster occurred on XXXX XXXX, XXXX and XXXX XXXX gave a check with my name and U.S. Bank Home Mortgage for {$6400.00}. The contractors that repaired my home is XXXX XXXX and U.S. Bank Home Mortgage is refusing to pay the construction company for the materials and labor that was purchased out of the construction company budget. My home had damage from Hurricane XXXX and I was given Road Home and FEMA grants to place a new roof, the storm windows, air conditioning unit and repair the fence around the home. U.S. Bank Home Mortgage is withholding the money that belongs to the construction company. XXXX XXXX bought the material to repair my home and had XXXX employees that worked on my house for two days and U.S. Bank Home Mortgage is refusing to give the construction company the money from XXXX XXXX for the repairs of the home. The company bought all materials and use their employees and U.S. Bank is holding on to the repair money for themselves and the work on my home is completed. I am sending the receipts from the money I received from FEMA and Road Home to prove the claims the U.S. Bank did not sell me a new roof, fence and the XXXX building my husband and I add ten years ago. When I pay U.S. Bank every month it is only for the XXXX building I was sold in XXXX XXXX. They did not sell me the fence I added to the property, I added XXXX storm doors in the front and back of the home, air conditioning unit and the check they are holding is the money that the government gave me through grants from Hurricane XXXX. U.S. Bank is an evil company and is refusing to pay XXXX XXXX for the work and materials that they paid out of the company budget. THEY STOLE THE MONEY AND REFUSING TO PAY THE CONSTRUCTION COMPANY. The construction company is threatening to sue me and U.S. Bank Home Mortgage for not paying them the money for the tornado damages and repairs on the home.
I assume M S GERALD is calling me to collect my phone debt from the number XXXX. The problem is not that they call because of my debt, the problem is they call and when I answer they hang up. When I don't answer they leave voicemails with no one talking, and now my dad calls to tell me that someone from their agency called him trying to find me for a debt collection. I don't understand how they never leave messages or talk to the person who owes the debt, but they do talk to someone else not authorized in that account. I still have to talk to a real person. I even called the number now and all I hear is like if it was a fax line. No one never answers.
i had business account in bank of america since 2 year couple month ago someone stolen to the bank check book than he wrote XXXX totally ten different check ( XXXX something for each ) than they hold my account and they don't give me any information what I m gon na do I can't open new account from any bank i report to XXXX couple time on the phone and did application online but nobody send me e mail or any call PLS HELP ME PLS XXXX
I am writing because XXXX XXXX has a credit collection account reporting on my XXXX XXXX and XXXX credit report from Diversified Consultants. The account shows as paid, but it is still a collection account. I never paid Diversified Consultants. I have only dealt with XXXX XXXX. I paid XXXX XXXX directly. 

It is false reporting for Diversified Consultants to report I have an account with them and that I paid them. I am requesting that Diversified Consultants remove this collection account from my credit reports.
I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
TU # 6 XX/XX/XXXX file complaint TU # 5 XX/XX/XXXX sent, XX/XX/XXXX response dated XX/XX/XXXX - no changes TU # 4 XX/XX/XXXX sent, response, dated XX/XX/XXXX - deleted XXXX XXXX, no other changes TU # 3 XX/XX/XXXXsent, response, dated XX/XX/XXXX - no changes TU # 2XX/XX/XXXX sent, XX/XX/XXXX no response TU # 1 XX/XX/XXXX sent, XX/XX/XXXXresponse
I have my employment wages and income tax deposited onto the card. On XX/XX/18 I paid some bills and I also bought a few clothes for my children. XXXX  froze my card and said I needed to contact account services. I called the only number they have. The automated service picks up, talks about online services and then asks to verify identity. It starts off by asking for the last 4 digits of my social security number, when I opened the card I never gave them my social security number, not once. So I put it in anyways. Then it asks for my zip code, I put that it and then tells me its incorrect and asks me to do the process all over again, hitting pound or 0 doesnt help either. I have sent them a full video of my attempted call to their XXXX. After 24 hours of this I have yet to get thru. I emailed them 3 times, I sent 2 faxes to their dispute department just hoping for help, I sent them messages thru XXXX. I got a reply on how to handle the automated service once my identity has been verified, problem is just that. Wont go any further than that. I have over {$1100.00} in the account. I am a single mother and all my money is tied up with this account. I can not feed my children or drive my car.
After I got divorced in 2009, I decided to return to school and got my XXXX in XXXX. By the time I finished school, my loans were approximately {$30000.00}. Unfortunately since that time I have been in financial distress and unable to repay these loans. I was advised by both XXXX XXXX and Navient that I should go into " forbearance '' until I was more financially stable. Well, with today 's economy that never happened and my forbearances have been depleted. Navient has informed me that my payments will be well over {$900.00} a month and there is NO WAY I am able to afford that. I started by loans in the amount of {$30000.00} and these loans are now up to $ 80,000+ because of these unjust fees being charged by Navient! I am XXXX years old and there is NO WAY I can afford to repay that amount of money and the customer service at Navient will no cooperate in any way shape or form. I recently heard of the civil suit against these XXXX companies and was wondering if there is anything or anyone that can be of assistance to me. I am in dire need of HELP!
Spoke to XXXX at XXXX XXXX was given the appropriate 30 days by law to investigate inquiries showing on my credit report that I did not sign or authorize, thye were taken off and then reinserted by XXXX. By law per section 611 of the Fair Credit Act a bureau is not supposed to do that without a notice. I was not notified and they were not authorized by me. The following inquiries need to be removed. 
1. XXXX XXXX- XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX- XX/XX/XXXX & XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 8. XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX  XXXX - XX/XX/XXXX 11. XXXX XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX - XX/XX/XXXX
I FILLED BANKRUPCY IN XXXX, AND I PUT THE PAYDAY LOAN ON IT, BUT APPARENTLY THERE WERE OTHER PAYDAY LOANS IN SMALL PRINT, AND DID NOT SHOW UP ON CREDIT REPORT NOW FOR THE LAST FEW YEARS ON AND OFF OTHER COMPANYS HAVE BEEN THREATENING TO TAKE ME TO COURT ECT ... .AND TODAY XXXX XXXX THEY HAVE CALLED ME 5 TIMES AND LEFT A MESSAGE SAYING I NEED TO CALL THEM BY XXXX TONIGHT OR THEY WILL TAKE FURTHER ACTIONS, I TOLD THEM I FILED BANKRUPCY ON THE PAYDAY LOAN AND THEY INSIST THAT THEIR ARE OTHER LENDERS IN FINE PRINT THAT ARE PARTNERS WITH PAYDAY LOAN ... WHAT DO I DO?
PNC Bank is refusing to communicate with me or have a customer service supervisor return my phone calls in regards to their loss of my {$1000.00} wire transfer. I was told 3 days in a row that " someone would get back to me. '' Nobody has called, and my money is still missing. Nobody is investigating this. And they intend to charge insufficient fund fees when I have proof that I deposited the money into my account.
On XX/XX/2018 I happened to check my account via my phone and discovered I was {$350.00} overdrawn. There were XXXX {$34.00} overdraft charges and in the middle was a charge of {$200.00}. 
However over the course of the day on XX/XX/XXXX XXXX made a number of transactions as I was notified via text messages from Chase about my personal account XXXX. Every notice of overdraft re : XXXX I transferred money from my business account XXXX. 

My Chase text messages* show I had money to transfer and purchase. Then in the middle was placed a {$200.00} charge that was not there as I made those transactions. It was not a pending charge it just showed up and I began to incur overdraft charges. 

XX/XX/XXXX {$13.00} Purchase XX/XX/XXXX {$70.00} Transfer to XX/XX/XXXX {$5.00} Transfer XX/XX/XXXX {$5.00} Transfer XX/XX/XXXX {$7.00} purchase XX/XX/XXXX XXXX purchase XX/XX/XXXX {$200.00} Charge ( This purchase was made XX/XX/XXXX, but I couldnt find a trace of the transaction in my XXXX. However the bank XXXX could. How can he have more access to my accounts than I me? ) XX/XX/XXXX {$200.00} Deposit ( I deposited money to cover the {$200.00} purchase ) XX/XX/XXXX Visit XXXX XXXX XX/XX/XXXX Overdraft cancelled XX/XX/XXXX XXXX purchase XX/XX/XXXX {$15.00} extended overdraft fee Currently there are ( XXXX ) {$34.00} overdraft charges, XXXX was removed, which I specifically requested all charges be removed. The XXXX branch XXXX said he couldnt do it, he was not allowed and told me he submitted a request that I be contacted. 

He said I would hear from them by Thursday. 
I am requesting the removal of the ( 5 ) {$34.00} overdraft charges and the ( 1 ) Extended Overdraft fee leaving me {$9.00}. 

I have yet to speak directly with a Complaint representative. He called and left a voice message. I called back and informed him when the best time to reach me and if I could have an address or email address so I could send him this document. 

Instead he called back during the hours I work and didnt leave the information I requested. I have a personal and business account with Chase and would appreciate this issue be addressed by someone who cares about customers. 

The way that the system charged me almost {$200.00} in bank fees is unreasonable. Im sure this has happened to others and is why the Consumer Financial Protection Bureau was created. 

Its the principle at this point. I am asking that someone help me with this issue. 


*CHASE TEXT MESSAGES Chase acct XXXX bal $ XXXX as of XX/XX/2018 XXXX AM EST was below your {$50.00} limit. 
To trnsfr from XXXX, bal {$100.00}, reply T, space, amt : e.g. T XXXX XXXX acct XXXX was overdrawn by {$67.00} on XX/XX/2018 XXXX AM EST. 
To trnsfr from XXXX bal {$100.00}, reply XXXX, space, amt : e.g. XXXX XXXX
I am a cosigner on a loan with my son at XXXX. The loan was for a {$67000.00} signature loan taken out in XX/XX/XXXX. At all times during this loan, payments were always made on time. 

On XX/XX/XXXX, my son ( one of the applicants on the loan ) filed for bankruptcy. However, my ex husband and myself did not ( co-applicants on the account ). So according to the loan agreement, I am still responsible for the payment of this loan. I did not file for bankruptcy. After the bankruptcy was filed, XXXX charged the account off and reported the account as a charge off to my credit report. This action dropped my credit score over 135 points. At the time this loan was charged off, the account was current. It is also noteworthy to mention that XXXX took a payment on XX/XX/XXXX and subsequently returned it to my son. XXXX never notified me that one of the applicants filed for bankruptcy and they never gave me an opportunity to make payments on the loan. 

XXXX is damaging my credit report by reporting this account as charged off. They charged the account off while it was current. Furthermore, a bankruptcy filing by one of the three applicants on the loan should not negatively affect the credit of the other two non-filing applicants, especially when payments have been made on time.
Some how my information was taken during an settlement I won. This company said I owe them never did any business with them.
i have been a victim of fraud and id theft, equifax, XXXX, XXXX  all 3 agencies have allowed inquries from companies that i never allowed to use my personal information to obtain or open accounts, cars store, creadit, my name is incorrect i requested all agencies to remove all inquries everyone correct the spelling of my name and updated my correct creadit scores.
After going through a divorce I fell behind on mortgage payments by 3 months totaling about {$3500.00} of back payments owed including all escrow. The new mortgage servicer for my FHA loan on my property, Carrington Mortgage Servicing has been aware of this issue, my loan was sold to them XXXX XXXX after being serviced by XXXX XXXX XXXX for about 6 years prior with no issues. As of XXXX XXXX XXXX I contacted and agent to schedule a payment for XXXX XXXX XXXX to pay up my back payments to make the loan current. The rep took my information & indicated that everything was all set & there were no problems awaiting, no mention of foreclosure, or offers for mortgage assistance were offered. After returning home from 2 weeks away I returned to my house on XXXX XXXX XXXX to find that Carrington Mortgage Servicing had changed the locks on my home, entered my home and shut off the water, the heating system, drained pipes, winterized my house & moved my furniture around, opened my closets, basically tearing through my home without my authorization, notification or knowledge. They had affixed no trespass notices to my doors stating that the property was in possession of Carrington Mortgage. This was all out of the blue, I had not been previously contacted by Carrington ( by phone, email, etc ) alerting me of foreclosure, was not served with papers stating that I was in foreclosure. Per the conversation with their call center to schedule payment on XXXX XXXX there was nothing indicating that this would happen. I have health issues & am also XXXX months pregnant, all my clothing, furniture, personal belongings, & medications were locked inside my home & I was left stranded out in the cold XXXX degree weather that day. After calling the number on the notice taped to my door & being shufled through many unhelpful agents, I was connected to the Property Preservation Office who had part in authorizing this lockdown on my home. After searching through their system at first unable to locate me or my loan at all, they found me & agreed to let me back into my home, providing little explination. Upon re-entering my home I found it to be left unlivable, with an inoperable heating system, no water, or functioning bathrooms. The cost for me to undo what they did would prevent me from catching up on payments, and due to this event I have had to find alternative housing until I can make my home operable again. I am also in fear of Carrington trying to re-sieze my property if I can not make the full requested payment on the XXXX of XXXX, due to the fact I have to pay a plumber to restart my home 's systems thanks to what they did. This whole situation was grossly mishandled by Carrington, they did not follow the standard procedures in offering mediation or help to a struggling homeowner & did not follow legal procedure in foreclosure/property seizure time frame, & contact with the homeowner. I was always the one contacting them, being mislead by a system that seems to operate on their own terms.
Ive sent XXXX  a dispute letter in XXXX and the reached out in early XXXX but in that letter I told them to send me sign documentation bearing my signature in 30 days I didnt receive nothing. So finally after 60 days I recieved a bogus letter and account number they had to make up. Because if they had it, it wouldnt have took them so long its just not right. Thats why you hear so many bad things about them
XXXX from Lamont Hanley and associates continually calls our business for a debt we told he we do n't own. He has called my computer workers ex wife and will not stop. It is creating problems for orders coming in along with personal issues as a result of his repeated calls