WillisBack/dataset-financial-user-claim huggingface dataset:
On Friday evening, XXXX XXXX, after XXXX ET, I made XXXX transactions to my Chase Bank Checking Account, which put into overdraft. Today, Saturday, XXXX XXXX, I was preparing to restore the balance in my account, when I discovered that I have XXXX overdraft fees. I called the bank, and they informed me that they define the closing of a day as XXXX ET, rather than the closing of the branches. This is contrary to baking regulations, which according to those I read, define the business day for a bank as the time of closing of the branches, not XXXX
Ditech mortgage, how many complaints is it going to take to have cfpb do something about this company? 
This company holds a note on a property next door, abandoned, health and safety issue, drug den. I cant get insurance on my home due to this property, owners are gone for the last XXXX yrs. no payments were made for XXXX yrs. no forclosure. I offered to buy it to tear down, asked them to fix it or tear it down. called several times. told them I was recording the call they hung up immediately. { thought it was funny they always say we are recording this call for quality } lmaof. I feel companies like this should be held accountable for their and wonder what cfpb can do about these complaints. with the number of complaints, I would think something has been or is in the process of being done. 
Yes I am getting legal rep. at this point. I am also logging complaints with every agency and my local and state representatives.
I have a active fraud alert on my account and currently I have XXXX inquires with XXXX and XXXX with Equifax. I spoke several representatives that state I need to produce a police report. I am lost as to what the police report will do for the XXXX inquires when I placed a FRAUD alert on my account due to my personal information being stolen. I was told that I would be notified as to when anyone applies for credit in my name via my phone number. This happened a few times.
I contacted ProCollect to let them know that I will be making payments through a third party company that will pay them monthly until the acct is paid in full. The representative accused me of refusing to make a payment. I been making partial payment for three months now.
Former or Current Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone number : XXXX is not on my credit report and is my current employee for last 2 years.
This deals with a small business checking account. I am President of an XXXX XXXX. The account is not very active. When trying to access the account to make some end of year distributions, I was informed the account was marked 'Inactive ' since no checks have been drawn in almost one year. No notification was given prior to being put into the 'Inactive ' status. The banks policy is then, after one more month, to mark the account as 'Dormant ' and turn the assets over to the state as 'Unclaimed Property '. I find this totally unacceptable. Specifically, to take such actions without attempting to notify of any impending steps. The bank has current contact information -- address, telephone and e-mails. I have regularly logged-in on-line to access the account but this was insufficient to consider the account as active. No attempt to contact was made before taking actions. I have contacted the bank and they confirm that this is their policy. I find this totally unacceptable and counter to the public good. Please note that I also have personal accounts that are very active and accessed via the same user ID and password. Nonetheless, the back never considered these before taking actions.
XXXX is reporting address information that do not or never belong to be. Please assist me in getting the following address information removed from my credit file : XXXX XXXX and XXXX XXXX
On XX/XX/XXXX of this year, I contacted XXXX  concerning the illegal tactics that National Recovery was using to attempt to collect money I have no knowledge I owe. The account number of the National Recovery isXXXX. I requested that National Recovery send me the detail of this debt instead of harassing me on the telephone that I owe a {$90.00} medical cost in XX/XX/XXXX. I am yet to receive this detail information. 

Based on my letter to XXXX explaining this issue, I received a letter on XX/XX/XXXX that National Recovery is no longer not reporting on XXXX credit file. Then on XX/XX/XXXX, another letter was sent stating that on this same account from National Recovery that it has reversed itself. 

National Recovery can not use the credit as a means to punish consumer. It must follow the law by sending requested information. And XXXX must maintain it's integrity to consumer. It can not play on our financial lives.
I have previously submitted compliant  XXXX  about NAVY FEDERAL CREDIT UNION with respect to their unfair business practices and desire to overcharge discount points contrary to their own guidelines.     In an act of retaliation and bullying Navy Federal Credit Union cancelled my closing on   X/XX/2017     without ever providing me with notice. I had informed the  Credit Union th at no one was authorized to receive communications on my behalf ( enclosed email-notice ) but they still enticed their own attorney to commit Mal-practice by directing them to contact an unauthorized third party about the case and state the following : " '' Per the lender this is where we are at with closing : " If he would like to close with the terms we currently have in place we can reschedule closing. The earliest date we can close would be Monday. We will need him acknowledgement on the CD with no change in the terms. '' As you can see Navy is not going to be changing any of the final terms of the CD. I will need to confirm a closing, if he still wants to close with Navy, ASAP and will just need to update the  CD for the new  close date and then have him acknowledge it by the end of the day tomorrow. Please let me know if your client would like to close on Monday  XXXX  or after. If adjustment amounts will change please provide new adjustments to me ASAP so I can send over a new dr aft CD today. " D emonstrating NFCU 's resolution to violate its instructions by refusing to communicate with its own borrower for ov er 48 hours and to even provide the courtesy to inform them that closing had been cancelled as a re sult of its failure to due its due diligence with respect to communications with all parties. It also communicated through its attorneys its attempts to utterly dismiss complaint  XXXX  and that it would hold on to its desire to violate section C of its Commitment Expiration Policy on the Mortgage Loan Price Commitment Agreement by raising the price for discount points above what was on the document and the prevailing rate of the day ( See attached agreement.     Furthermore, it was discovered on  XX/XX/2017    Navy Federal Credit Union did not properly disclose to the appropriate party the names of the individuals to take Title to the property to be recorded on the deed of trust further causing delays. On the closing disclosure issued  XX/XX/2017    in order to close on  XX/XX/2017     Navy Federal  attempted to charge the buyer for delays it caused and demonstrated its intent to add additional fees by issuing a new commitment agreement on  XX/XX/2017    with higher rates than it advertised despite the fact that the current agreement would not expire until  XX/XX/2017   .
My student loans are managed b y Navient. A year or two ago, I spoke with customer service representatives and I was informed that I would receive at least 30 days notice from Navient should the interest rates on my student loans change. I did not receive any notification, not an email, a letter or any flag on my account when I checked my account online. One loan changed from 5 % to 6.875 %. I believe this is not a transparent way to conduct business. It feels as though Navient hopes consumers would not  notice because the student loan balance is so high. I expect some type of notification whenever my account is changing.
My name is XXXX XXXX. I am writing this letter to dispute a credit card transaction and late fees and interests due to an unauthorized transaction on my account. 
I got a statement from ( Citi bank ) concerning XXXX XXXX Visa Card by Citi with an amount of {$300.00}. I also got a letter from collection agency -radius- for the same amount. 
When I called Citi Bank, they referred me to their recovery department, they stated that this is the fee for XXXX membership renewal. 
I closed my membership of XXXX two years ago and closed my XXXX credit card issued from citi bank two years ago. 
When I checked online at ( www.citicaards.com ), I found that somebody at citi bank opened a new credit card for me ended with XXXX and charged me on XX/XX/2018 an amount of {$120.00} for XXXX membership renewal and a late fee and interest was placed on my account since this time and now the total amount is {$300.00}. 
I called XXXX membership department and they stated that my account was closed, and they did not request to authorize citi bank to renew my membership. 
I did not authorize anyone to renew XXXX membership or to make a new credit card for me. I am out of the States for one year now. 
When I contacted Citi bank, they stated that my account is closed, and I have a XXXX balance and they referred me to collection department who refused to dispute the transaction and the late fees and interests. 
Citi bank openend a new credit card without my authorization and charged me without my authorization. 
This affects my credit score significantly for a transaction that I have never performed, and it was sent already for collection. 
Bank information : Citi Bank XXXX XXXX XXXX, XXXX XXXX, MO XXXX Here you are my contact information : Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX Email : XXXX XXXX
I have 2 hard inquiries on my credit report dated XX/XX/2017 and XX/XX/2017 from " XXXX XXXX ''. I don't know who this company is or why they ran my credit twice.
My home was damaged by a hail storm on XXXX/XXXX/2016. My insurer XXXX XXXX sent an adjustor and issued a check for {$34000.00}. The check was payable to my wife and me as joint owners and Roundpoint Mortgage Servicing Company who services the mortgage on the property. Round point required we endorse the check and send it to them along with a long list of documents. Having no choice even though we anticipated trouble, we endorsed the check and sent it to them with many documents. The work is now complete and the contractors have been paid. We have sent Roundpoint a copy of the insurance adjustors report, notarized affidavits from both the roofing and the painting contractors affirming the existence of a contract and waiving their rights to liens on the property, XXXX for both contractors, quotes for the work from both contractors, and paid invoices for both contractors. Nonetheless Roundpoint refuses to release the funds. I am sufficiently upset with them that I will pay off the mortgage when this issue is resolved and have asked them to apply the funds in question to my outstanding balance. They have refused to do that as well. The whole problem smacks of a scam to hold the money interest free for as long as they can. Their requirements are completely unreasonable. Anything you can do to get these funds released will be much appreciated. Round point 's address is XXXX. XXXX XXXX, XXXX, NC XXXX. Phone number is XXXX. Thank you for your assistance.
I have recently applied for credit and did not get approved. It prompted me to pull my reports and go over the information in them. Upon looking into things, I noticed there is a bankruptcy on my credit reports with information that does not make sense. I imagine no one would ever have a bankruptcy for {$0.00}. I then went to the credit reporting agency Experian and sent them a letter to fix this information. After doing so I went to the local county clerks office to see what information they give out to the reporting agencies that ask for it. I was informed that they do not talk to the reporting agencies at all. This confused me because when I looked on my report it said that the dispute of the bankruptcy was investigated and they found it to be all correct. If they do not go down to the clerk 's office at the court or at least call and find out all applicable information then the investigation was not done and they have broken the law. In addition the incorrect information is still on my credit report and I am unable to qualify for any credit products which is making it impossible for me to eventually buy a home. I need the information in my credit file to be correct, and I need Experian to do the job they are required to do by law or remove the incorrect backruptcy off my credit file. Please help because talking to Experian directly has proven to be futile.
We have been having ongoing issues with the deposit of funds and balance of our mortgage account. In XXXX our mortgage account was credited over {$5000.00} with consent, or contact made to us by the bank before hand. I then had to argue with the bank for a while til about {$1500.00} of it was taken off, through about 6 phone calls each time saying there was n't an error. I had to provide proof of over {$5000.00} of deposit, because they were not keeping an accurate record. Previous to this change we had opened an account with the bank for checking in order to directly make payments to our mortgage with a easily accessible paper trial of deposits. However we were not able to transfer money between the XXXX for over 5 months resulting in cash deposits. I went through a XXXX and decided the few thousand dollars was n't worth the stress at the time. However this month we made another {$3000.00} deposit, which did not get credited to our account until over a week after it was made, after a phone call from the mortgage office asking what it was for that was a little over a week ago. Now our mortgage account is n't even available online. I am really tired of being taken advantage of, and worrying that our hard earned money is being stolen and misplaced by the bank.
XX/XX/2017 they gave a credit back for XXXX because it was reported as fraud and now they are telling me they want to take that money back!!
I am trying to dispute negative credit reporting from XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to reach custodial parent mother to stop billing for child that was no longer in her care, but living with father ( me ). Mother failed to respond to repeated phone call and letters from both XXXX and myself. Consequently, the child support payments were reported as late or delinquent when NO PAYMENT should have been even billed. I made NUMEROUS requests to XXXX for updates, request to file/change court order, without success. Please note that before this rather unfortunate situation, my account was in good standing with all payments current and NO ARREARS OWED. This began in XXXX and continued up until Child turned XXXX yrs old in XXXX, and XXXX finally stopped billing. Please help.
I have place a called to the credit bureau ( Transunion ) today XXXX/XXXX/2017 and told them that I have notice on this passed weekend that my inquires were reinserted back on my credit remove that was previous remove. I also had XXXX collections that were removed and them add as a new account. I need to have this taken care of ASAP. They told me that there was nothing they can do.
My Name is XXXX XXXX and I had a Mortgage that was paid 13 years ago with a company called Select Portfolio Servicing old loan # XXXX Once a mortgage is paid off, the company had a duty and obligation to record the mortgage as satisfied with the county. About 3 months ago, it was discovered that the company did not properly record the satisfaction of mortgage with the county. Select Portfolio Servicing Inc recorded the satisfaction with the wrong instrument number, therefore not acceptable to the current title company to issue title. I was delayed from conducting the real estate transaction for the last 60 days. The new title company pulled a copy of the original mortgage and the satisfaction instrument and it was clearly recorded incorrectly. All was presented in a nice clean file to the Select Portfolio Servicing Inc 80 days ago. To this day, there is no resolution on this case. When you call in, you have to explain yourself over and over again. I just get the run around. I made 47 phone calls and have spent over 6 hours on the phone. They keep on blaming this issue on their reconveyance department. I need to sell this house ASAP. Please help me
CHASE BANK SENT ME XXXX EMAILS THIS MORNING AT XXXX AND XXXX STATING THAT MY ACCOUNT AND AVAILABLE BALANCE WAS {$10.00}, BASED ON A {$10000.00} RETAINER FEE CHECK I DEPOSITED WITHIN THE PAST 48 HOURS. BASED ON THOSE XXXX EMAILS, I MADE SEVERAL BILL AND ONLINE PAYMENTS FOR A FEW XXXX DOLLARS, PLUS A CHECK FOR MY CHILD SUPPORT IN THE AMOUNT OF {$XXXX}. AROUND APPROXIMATELY XXXX THIS MORNING I RECEIVED XXXX EMAILS FROM CHASE TELLING ME THAT MY ACCOUNT WAS NOW XXXX. I CALLED CHASE BANK IN A MASSIVE STATE OF ALARM AND WAS TRANSFERRED 3-4 TIMES. FINALLY SOMEONE IN THE " FRAUD UNIT '' TOLD ME THE CHECK DEPOSITED WAS BEING " HELD FOR POSSIBLE FRAUD. '' I EXASPERATINGLY TOLD THEM THAT I MADE THESE BILL AND CHILD SUPPORT PAYMENTS BASED ON THE INFORMATION IN THE XXXX EMAILS THEY SENT ME THAT THE BALANCE AVAILABLE WAS {$10000.00}. 

XXXX IN FRAUD UNIT TOLD ME THEY RECEIVED A " ALERT '' AT SOME POINT THAT THE CHECK WAS GOING TO BE RETURNED OR REFUSED BY THE ISSUER BANK, XXXX. I ASKED HER WHEN DID SHE RECEIVE THAT NOTIFICATION ALERT, AND WHY DID THEY NOT EMAIL ME IN REAL TIME SO THAT I COULD ALSO NOT WRITE CHECKS OR PAY BILLS BASED ON THEIR INFORMATION, AND SHE HAD NO ANSWER. FURTHERMORE AND EVEN MORE EGREGIOUSLY APPARENTLY THEY ARE CHARGING ME A FEE FOR NEGATIVE ACCOUNTS. 

THIS WHOLE EXPERIENCE HAS OBVIOUSLY GIVEN ME AN XXXX AND THIS IS NO WAY FOR CHASE TO DO BUSINESS - THEY MUST ALERT CLIENTS IN REAL TIME TO AVOID FURTHER COMPOUNDING CUSTOMER MISERY AND CHARGING NEGATIVE ACCOUNT FEES. I WAS FINALLY ABLE TO RESOLVE THIS MATTER ON THE PHONE WITH " XXXX '' BECAUSE I AM AN XXXX AND KNOW MY RIGHTS WHEN THEY CLEARED THE FUNDS WITH XXXX, BUT AGAIN THIS IS NO WAY FOR CHASE BANK TO DO BUSINESS.
I was one of the millions of people affected by the hack of Equifax, and after confirming that via their website, the only compensation offered was a single year of credit protection. This protection came with the caveat that I must submit to binding arbitration. I do n't believe their offer would genuinely help protect me from the potential harm of a data breach of this magnitude, and the fact that it was even possible is alarming.
I am writing to you as a concerned parent and consumer. I have first hand awareness of Navient 's predatory loans. I co-signed loans for my XXXX daughters and can not get released from their loans.They keep resetting them to start over.When I took these loans, Navient/Sallie Mae encouraged me to co-sign. They said they would not get approved without my co-signature. I do believe my signature is my word, but these children are in their late XXXX XXXX. As for XXXX XXXX University, my daughter left the school after 4 1/2 years without a degree. They never guided her to finish on time or to meet her requirements. Schools have a responsibility to their students to guide them so they finish on time.As for Navient, I pay over {$800.00} a month and it is all interest. I paid {$8700.00} in the last two years and the loans continue to increase. For the Plus loans, I originally took out {$57000.00} and I owe {$61000.00}, and I've been paying for 5 yrs. It is criminal. They are helping themselves instead of the borrowers
In Early XXXX my daughter notice charges to her checking account that she had not authorized. I am also on the her account. I am her mother. We went into the bank and they sat down with us and had us highlight all the charges we felt were not ours. This was the checking account and someone had been taking money out of her account out of New York. We have never been to New York. XXXX said we had to give the person permission to use the card, although my daughter had her card, but he was also using a card in New York, which is very baffling. Then the next day we realized they had also done a cash advance of XXXX from her credit card. The bank said they invested and there were charges months back from the same individual and said we never reported it so we had to have given permission for this. We were not aware of any charges previously and told them if there were charges we did not authorize them either. After much back and forth they said we needed to file a police report, which we did. They have footage of the person which we do not know at the atm in New York withdrawing money. They still are saying there is nothing they can do. There were also XXXX from our checking account taken. I am so frustrated with this. I have been with them since about 2012. Our accounts are not overdrawn and things of the nature. This just does not make sense to not be reimbursed for the money that was taken from our account and credit card. A total of about XXXX. Please help.
We had 19 month CD with U.S. Bank which was apparently automatically rolled over for another 19 months at maturity. The problem is that rate is extremely low ( 0.15 % ) and not competitive. When we asked what the cost would be to terminate the new CD we were told a {$25.00} fee, which is fine, plus a 3.0 % penalty, which is ridiculous. We were expecting to a few month 's worth of interest as a penalty.
Received a robocall from " XXXX '' saying he was going to deliver a summons in the next 24 hours and to be available with XXXX forms of ID, etc and to call XXXX. I called. Spoke to XXXX, from XXXX XXXX XXXX, told him I dispute the debt, that it is time-barred, and that the kind of roboocall they are doing is illegal. He said hey, lets resolve this now, I will make it go away for {$1900.00}. I told him I dont have any money and they are not allowed to call that phone number any more ( it 's not mine ). He hung up on me. I called back asking for the company address and summons and court case number. He said it would be delivered. I told him I did n't want to wait, that I wanted the information so I could turn it over to a lawyer asap. He said it would be delivered by summons and hung up. The summons never came and they hang up on me when I call to ask for their info and the info on the courtcase they claimed they have filed and which I can not find on my Counted docket.
An agent of XXXX XXXX XXXX ( Enhanced Recovery Company , LLC ) place place a negative claim in my credit bureau record for an amount of {$300.00}. The negative claim resulted from the following. In XXXX 2013, I changed my XXXX XXXX XXXX home-phone service from analogue to digital and separated the billing for my wireless phone service from the billing for home phone. The combined billing account was closed as XXXX XXXX XXXX now bills me separately for UVERSE ( TV, home phone, and internet ) and wireless phone/data. Apparently, this change caused some confusion at XXXX XXXX XXXX and resulted in the XXXX XXXX XXXX claim that I still owe money under the combined billing account. I emailed the XXXX XXXX XXXX customer service to get the account straightened out, but they passed me from XXXX department to another but none of the departments has all the information needed to resolve the problem. I wrote a letter to XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2013 requesting that they assign the case to someone that can have access to all the information needed to resolve the matter. A copy of the letter and the response from XXXX XXXX XXXX dated XXXX/XXXX/2013 are attached. As you can see from the attachment, all that XXXX XXXX XXXX did was provide me a meaningless standard response. XXXX XXXX XXXX has tried several times previously to use the collections system to bully me into paying them an amount of {$300.00} that I do not owe to XXXX XXXX XXXX. I requested XXXX and each of the several collection agencies that XXXX XXXX XXXX used at different times to provide me an itemized list of what led to the debt that XXXX XXXX XXXX claims against me, but nothing was provided to me.