WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX XXXX. On XX/XX/XXXX, I received a request by email for a my availability for a filming job in XXXX XXXX XXXX. After several e-mails back and forth with this person, I accepted the job and they sent me a check for advance payment. I received the check on XX/XX/XXXX for {$6500.00} ( see attached ) and deposited it in my account at Chase Bank via the ATM. On Monday, XX/XX/XXXX, I called the bank the check was drawn on ( XXXX XXXX ) to verify funds. Later that day, I tried to make a deposit to my Chase account so I would not overdraft ( since the check had not yet cleared ), and was told the account was restricted and I needed to call an 800 number. I called the number and was told that my account had been cancelled and that Chase Bank no longer wanted me as a customer. I had been a customer there for 11 years. I kept escalating the call to manager after manager and got no explanation. 

On XX/XX/XXXX, I went to a branch of Chase Bank in XXXX XXXX XXXX and met with the manager. He looked at my account and said there was nothing he could do to reverse it and that I was a risk to the bank. The check had cleared but he said that I could not have the money, again with no explanation. He then made a couple of phone calls and acted like he was trying to make a case on my behalf but was unsuccessful. I was treated like I was a criminal with no explanation. He said I was banned for life from have a Chase checking account. I asked him about my two credit cards and was told that I could keep them, again with no explanation. 

I told the manager that I have direct deposits that come to that account and he told me that IF that happened, I could come to that branch only and he would give me the money. ( That did happen a few days later and by going to THAT branch, I was able to get my funds. A second direct deposit went to my account and they would NOT give me the funds, but mailed me a check about a week later. Very frustrating. ) At the end of the conversation, my mother ( who had gone with me to the meeting ) asked the manager if this was because of the check I had deposited and the manager said yes. That is the only explanation I ever received. I can only assume that the check was fraudulent and Chase Bank assumed that I was in on the fraud ( which I was NOT! ). The proceeds from the check disappeared from my account and Chase charged me a {$12.00} stop payment fee. 

I feel I have been treated unfairly and had to go to great lengths to set up a new account at another bank and get everything transferred over. 

I am happy to provide the string of e-mails I received concerning this job offer if this would help your investigation. 

Basically, I want an explanation of why I was treated like a criminal when I am the victim here. I filed a police report and have the case number if you would like to have it.
Banana Republic ( Synchrony Bank ) ran my credit four ( 4 ) times XX/XX/2015 for a department store card I opened. The dates the Transunion reports were run are : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, and XXXX/XXXX/2015. My credit is monitored by XXXX, and they facilitated a call between myself and Banana Republic. In the call, I specifically asked why my credit report was run four times for XXXX department store card. They said they do not know and would send a letter. The XXXX representative told me privately that it looked like XXXX accounts were open in my name, even though I had only requested XXXX account. I had also requested in 2015 that my Banana Republic card be cancelled, by calling a store representative.
The problem is that PNCBANK has unilaterally changed the monthly principal and interest amount due on this home equity installment loan. I closed on this loan on XX/XX/XXXX. PNC prepared a Closing Disclosure Form, which is a statement of final loan terms and closing costs. In the section titled Loan Terms, the monthly principal and interest due is {$470.00}. This is a fixed amount. I recently received an Account Statement for period ending XX/XX/XXXX, which identifies the next payment amount due by XX/XX/XXXX. The amount has changed to {$410.00}. I called customer service on XX/XX/XXXX and they could not provide an answer why the amount changed from {$470.00} to {$410.00}. I have 2 concerns, 1 ) What right does PNC have to change the loan terms on an existing loan? 2 ) If I pay the {$410.00} and not the {$470.00} will it affect my credit score? In effect I would be paying an amount lower than that identified within the Final Loan Terms.
I 've had no knowledge of this negative item as it appeared on my credit report, and from researching the company online, I do n't know from which source it came from. 
The name of the negative item is PORTFOLIO RECOVERY ASSOCIATES and it was opened on my account XXXX/XXXX/2017. 
It 's not mine, please help in removing it from my credit report.
Have been out of bankruptcy two years and my mortgage company is n't reporting to the credit bureau, my payment history.
I discharged this Debt with XXXX XXXX and this company as well as others continue to contact me but I have successfully disputed this Student Loan Debt. This IDENTITY THEFT XXXX XXXX. I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, incompetent and ca n't sleep much thinking that this DEBT COLLECTOR has my personal information and has an account with my name and non-public information. 
I did not give my permission for this DEBT COLLECTOR to contact me pursuant to XXXX. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
I need to make sure that this CORPORATION does not have an open account with my information containing any of my private business. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is purchasing something from another CORPORATION.
CitiBank is showing up on my credit report as opened as of XXXX 2015. This is incorrect information and should be deleted.
I have supplied the attached documents to the company several times in order to have accounts opened in my name from ID theft BLOCKED with the FC RA 605B, the y have told me that in order to block it the original creditor needs to give the OK which is not the case when it comes to accounts open through ID theft, i have gone back and fourth with calling multiple times and sending over  5 fa xes. I have the Fax receipts confirming they have received them. I have uploaded these same Docs twice via their computer system. and I have mailed a package with tracking in order to ensure they receive them. These fraud accounts were reporting too all   XXXX   agencies and  XXXX  and  XXXX  have blocked these accounts given the information. BY law the agency have a t MAX 5 busi ness days to have them blocked. They are now hindering my ability to buy a home and causing me so much  stress d ue to this. I need these items gone since they are not an accurate representation of how i pay my bills.
My Identity information had previously been compromised and used to open several accounts and inquires without my permission. This one of them and is a fraudulent account. 

XXXX XXXX Credit Card {$600.00} Opened XXXX I 've currently submit an Identity Theft Report to the federal trade commission as well as disputed this account with the three credit bureaus.
I have an FHA XXXX mortgage with BOA ( and as part of this loan, the escrow is something which my mortgage payment reflects ). When I first acquired the loan in XXXX XXXX, my insurance premium was $ XXXX/yr, sometime in XXXX XXXX, however my insurance premium dropped significantly to $ XXXX/yr which reflected some upgrades done to the house. When I called to see if my mortgage could be reduced, I was told that I would have to wait at least 6 months before an escrow analysis could be done, and in which that point, my mortgage will be reduced to reflect the decrease in insurance premium, and any overage paid during that time would be refunded to me. I must have called about 5 different times during XX/XX/XXXX to XX/XX/XXXX, and spoke to different people that each gave me the same information. When finally my 6 months were up, I called BOA to request for an analysis to be done, which reduced my mortgage payments from {$1500.00} to {$1400.00} per month, during this time, I was also told that the overage paid into my escrow which was about {$900.00} would be refunded to me within 10 days. I followed up recently via e-mail to ensure that the check was already sent out, and was told that because my mortgage was less than 1 year old, I am not entitled to a refund. This is ridiculous, given that I was assured by a number of reps that after my 6 months I would receive my refund. This is money that I overpaid! It makes absolutely no sense that BOA is holding onto this money, and I 'm not earning any money in interest! This is deception at its finest! I 'm not asking for a handout, I demanding money which belongs to me which I overpaid! This morning when I called to speak to a manager I was told that because of the type of loan that it is, this is the requirement set forth by FHA ... which is a lie, because I contacted both the FHA hotline ( XXXX ) and FHA National ServiceXXXX ) and they advised me that the refund is solely up to the lenders discretion, and it is nothing which they stipulate. I do n't understand how I could have been given wrong information by XXXX different people at BOA. BOA is holding on to my money ; in a way is theft! I am demanding for the overage paid into my Escrow to be refunded to me ASAP!
Account was closed on X/XX/2017, with no warning. Now applying for mortgage I am being told the account was closed and it hurting my debt ratio. Tried getting it reinstated and bank will not help. paid on time, and paid off the credit card on time.
Sequence of events : 1 ) XX/XX/XXXX to XX/XX/XXXX - I sold over {$7000.00} worth of cameras/XXXX/etc.

2 ) XX/XX/XXXX - PayPal put a " minimum reserve '' amount of {$3700.00} on my account.. citing " High risk '' items.

3 ) XX/XX/XXXX - I reached out to PayPal via phone, XXXX support page, and XXXX support page to try to resolve the issue.

4 ) XX/XX/XXXX - Received generic, canned response from PayPal not even addressing my issue.

5 ) XX/XX/XXXX - Received response from PayPal stating that the reserve CAN NOT be lifted to allow people to do returns/disputes, and that it could be reviewed after 180 days on a case-by-case basis.

6 ) XX/XX/XXXX **MAY NOT BE THE EXACT DATE** - Called PayPal again to try to resolve the issue ( ONE YEAR LATER ), and was told that the minimum reserve was going to stay in place and would ONLY be released if I closed my XXXX  account.

I have been an XXXX/PayPal member/seller since XX/XX/XXXX.. for 17 years I have never once let my account go into the negative, have always handled cases and disputes in a timely manner, have always conformed to their rules, and have been an outstanding seller in all senses of the word. They are unfairly punishing me because I sell an item that has a higher fraud rate ( on the buyers end, NOT mine ).

I feel that holding MY money ( {$3700.00} ), for over a year and a half from transactions that happened back in XX/XX/XXXX is extremely unreasonable and all that I 'm asking is for it to be released. Not to mention the fact that it put my business in serious jeopardy because I had to cover the {$800.00} worth of XXXX fees for that month out of my personal bank account. On top of that, I had to pay a {$50.00} fee for insufficient funds out of my own pocket when PayPal tried pulling the XXXX fees from my bank account that I had attached to my PayPal account.

Since XX/XX/XXXX, I have sold hundreds of thousands of dollars worth of items and have never let my account go negative. To this day, I have to withdraw all of my money the same day it 's put in my PayPal because I live in fear that they 're going to freeze all of my money again. Even doing this, my account has STILL never been negative, and all returns/etc have been handled perfectly.

Thank you for your time and I look forward to your response. 

XXXX
I feel I was illegally maneuvered by Wells Fargo Bank back in XXXX of 2007 into aSmartFit Home Equity Account Agreement when I went to them for a home equityloan to pay off credit card debt which I had. I only needed around $ XXXX loan topay off these bills and have a new roof put onto my house. But, I was directed into a " Smart Fit '' Home Equity line of credit of {$170000.00}. And, since my savings and checking accounts were with Wells Fargo, they set it up on an automatic payment system to hide, in my opinion, how much my monthly payment was that they were taking out. And, because they set it up for interest only payments, I have been making payments since XX/XX/2007 and have not seen any decrease in my loan amount. Since they made it so easy to access this account, I have used up the entire {$170000.00} amount that they initially set up ( Wells Fargo, I feel, knew this would happen ). This type of loan practice, I feel, should be illegal! Officials at Wells Fargo know, I feel through past customer history, that giving customers more loan amount than they want, they will use up the amount given them and put them in financial trouble, possibly causing foreclosure on their property. 

I am sure that they have many other clients with the SmartFit Home Equity Line of Credit in the same dire circumstances as myself! The name Wells Fargo came up with for this loan, SmartFit, intentionally deceives the borrower into thinking that they are getting a Smart loan with no principal payment due for the first XXXX years! 

Best time to call : Anytime on my cell phone at XXXXXXXXSincerely, XXXX XXXX XXXX, XXXX.
I owe more then XXXX with XXXX XXXX now Navient. 
What started out as a XXXX Loan is now a whooping XXXX 2 years after I left the school, Hundreds of other student and I were involved in a classification suit against XXXX college. 
The school ended up Closing down for lying to students about credits being transferable and stealing of loan money. 
I made XXXX aware of the situation and asked what could be done about the money I owed. They said that had nothing to do with them I took out the loan. The schools is no longer open and I was unable to get my Degree because after I took out the loan the school still said I owed them money. 
So till this day I do n't have my degree and a I have XXXX loan for a school that has been shut down.
The company advertises personalized checks, which must be pre-authorized. Beginning in XXXX 2015, I have had multiple, multiple instances where the check verification system was malfunctioning. I would often write rent checks on Saturdays, and when the system was n't working I would be told to call back on Monday for technical support. 

I wrote to XXXX XXXX ( former president of XXXX, and XXXX XXXX ( former VP at XXXX ) over the past two+ years. 

After the last incident, I told Customer Service that I would file a complaint with BBB. Subsequently, XXXX has decided to close my account. I have been filing valid reports with them for over two years about a problem with their systems. Their response is to close my account. 

I see from their BBB history that they have a practice of closing accounts when their customer complains.
In XXXX XXXX we contacted Synchrony Bank and were told our pay off amount would be {$3100.00}. We then doubled our monthly payment to expedite the payoff. XXXX XXXX we contacted Synchrony Bank again and was told that the pay off amount was around {$2400.00}. That figure seemed too high so we asked for a copy of all the invoices as well as a copy of the contact agreement. We were under the impression that it was 3 years deferred interest but was told it was only for 1 year. We are very knowledgeable on interest rates and compound interest. The company then sent us a letter stating that the information we requested about our account was no longer available.
In XXXX I set up a {$10000.00} line of credit for my small business with Bank of America. I understood that I would be paying back this loan in increments and that they would be automatically withdrawn from my checking account. I never ever received any statements in the mail. Over the ensuing years I admit that I forgot about this debt, but assumed that the withdrawals the bank had been making had wiped it clean long ago. 
This past Saturday I decided to review everything online and discovered that, for the past 18 years BofA has been withdrawing about {$90.00} from my checking account monthly but then slapping that account with an equivalent finance charge of virtually the same amount. So I estimate I 've paid the bank about {$18000.00} over the 17 years and my balance due has only been reduced to {$9700.00}. I was absolutely shocked!!! To add insult to injury, the bank also has charged me a $ XXXX/year membership fee!!! Insane! 
The bank has claimed that they did not have my correct address and therefore no statements could be sent. But all my other bank statements are mailed and received. And all the statements I could retrieve online ( only as far back as XXXX although I 've ordered earlier ones ) all have the correct address printed on them. 
For the past decade I have been very diligent in paying all my bills down to XXXX balance every month. But without getting a statement, I had no idea about this debt hanging over me. I could have, and would have, paid it off many years ago. 
I called the bank on Saturday but received no satisfaction. Basically, they claimed that they did nothing illegal and therefore were under no obligation to forgive anything. The most they would consider would be to wave the last three months of finance charges. End of story on their part. 
I do realize that I am not totally in the clear ... I should have been diligent and aware, but the account was set up long before there was any online banking. So without printed monthly statements ( like I have received for every other loan I have ever been involved with ) it is easy to lose track. When I look online, now I see that they list a balance of approx {$9700.00}. But, honestly, because that number has never changed for years, and I have n't used the line of credit at all, I have assumed that was the amount that I had available. 
So basically BofA had constructed an easy $ XXXX/month money-making machine which would have gone on indefinitely as long as I did n't figure it out myself. They in no way ever attempted to contact me through phone or email or other means, although they have contacted me plenty about all sorts of new products and services. 
Please help! 
( note : I am attaching the most recent statement that I found online from XXXX XXXX )
The minute we first received notification that PNC had decided to charge us {$3.00} for check images, we immediately within minutes called PNC and specifically said " NO THANK YOU! " Still they keep stealing {$3.00} per month and refuse to return the funds and close our account. On XXXX/XXXX/16, there was a {$3.00} unauthorized withdrawal on our monthly statement. We called customer service at XXXX. The customer non-service representative who answered harassed us for a long time, verified our identity several ways but refused to discuss the {$3.00} bank error and insisted we drive over XXXX miles to the nearest PNC branch or open an online account because she was not capable of doing her job to correct the obvious routine bank error. So then we called a branch office at XXXX on XXXX/XXXX/16 and were told that the unauthorized fee for the " Check Images '' would be happily reversed since we never agreed to purchase pictures of checks that we do not need or want and specifically said not to send. She also told us the boldfaced lie that they would stop repeating this error every month. When we received our next monthly statement on XXXX/XXXX/16, not only was the original error not corrected, there was an additional theft of another {$3.00}. No one at the branch office at XXXX answers the phone. Again we were forced to call customer non-service at XXXX. The customer non-service representative who answered said his name was XXXX. He was extremely nice and professional but since PNC does not allow their employees to correct routine bank errors or provide any customer service what so ever, he was not able to fix the problem. He did apoligize profusely and explained our three options which are : 1. He closes our account and MAYBE someday PNC issues us a check for some portion of our illegally depleted balance while PNC keeps the misappropriated funds 2. He leaves our account open and passes us along to other PNC employees who will continue harassing us while PNC continues stealing from us 3. We hop in a time machine back to XXXX XXXX, 2016 and open an online account so every hacker in the world can find us and steal our identity, then enter a secret pin number and click on some button to opt out of this bank scam we had no way of knowing even existed back then. 
According to the PNC website, the nearest branch office is a XXXX mile out of state trip to XXXX, Md, but when we travelled long distance to those addresses that we had banked at before, the XXXX downtown is now a dry cleaners and the XXXX in the mall is a vacant hole in the wall. PNC 's position is that only an " online '' customer is a " valid '' customer and therefore an illegal unauthorized withdrawal is a " valid '' charge whenever the customer has an XXXX card in their wallet instead of an electronic gizmo with lots of apps in their hand. When I opened the account 3 decades ago, I fit the XXXX year old customer demographic they were willing to serve. Now I do n't, which is fine because they no longer fit the bank profile of local honest secure financial institution that we are willing to trust with our money.
On XXXX XXXX, XXXX we were taken in on an identity theft scam that had to do with a XXXX scam. While on the phone with the scammers my wife was also on her online banking account and saw fraudulent activity, debit card charges. She immediately hung up the phone and contacted the Bank of America and notified them of the fraudulent charges and notified them of the identity theft explaining what had happened. Bank of America stopped these fraudulent charges. She also notified our other bank XXXX XXXX XXXX XXXX who put a watch on our account and also all our credit cards were cancelled and new ones issued. On XXXX XXXX, XXXX at XXXX pst she was reviewing our BofA account and saw that a {$5000.00} wire transfer was pending. She immediately contacted BofA to stop this wire transfer, explaining again about the identity theft. She was told by them that unfortunately the transfer had already been made. We were put in touch with their wire fraud department and a claim number was received. We were told that if we heard nothing from them in 10 business days the money would be put back into our account. We heard nothing for several days. On XXXX XXXX, XXXX we contacted BofA again and asked the status of the claim. We were told that the first claim had gone to the wrong department and that a new claim had to be initiated, again with the 10 day stipulation to return the funds. As of XXXX XXXX, XXXX we had still heard nothing from the bank. After spending 4 hours on hold and getting bounced from department to department a representative from BofA fraud department stated that nothing was being done as this did not constitute fraud and we would not be getting our {$5000.00} back. I disagreed with them as this was clearly wire fraud and that we had notified the BofA on XXXX XXXX, XXXX of the identity theft scam, before the wire transfer had occurred. Any help in this matter is appreciated. The actual scam has been report to our police department. We have any account information, dates, times, BofA personnel we spoke with available should you be able to help us.