WillisBack/dataset-financial-user-claim huggingface dataset:
I have two credit cards with Chase, ending on XXXX and XXXX, and Chase just closed both of my accounts without proper reasons, accusing me in misusing rewards, which I have not used at all. Besides that, Chase listed three other closed accounts which I don't have at all, ending on XXXX, XXXX, XXXX. I have no idea why Chase closed my two accounts ending on XXXX and XXXX, and sent me a letter explaining that they closed three other accounts, ending on XXXX, XXXX, XXXX because of rewards misuse, and you can see from my reward activity, that they were not used at all, at least for the entire XX/XX/2018 year. I'm legally XXXX, and I get very XXXX  when I get harassed with false accusations.
I have been going through foreclosure hearings this year, and it was decided XX/XX/XXXX that the sale date would be XX/XX/XXXX. I was offered a short sale on the property XX/XX/XXXX, and SPS day on their hands, and did nothing up until a few days before the sake date, then it was extended until XX/XX/XXXX, however SPS decided to deny the short sale because of the original sale date. Thus company does n't care what they do to consumers. 4 months of sit ting on a short sale offer, only to deny it because of their own laziness.
I am a Wells Fargo customer. On XX/XX/XXXX, I made six small purchases under on XXXX under {$10.00}. My Wells Fargo balance was about {$200.00} at the time, easily enough to cover these purchases. The same day I wrote a rent check for {$920.00}, knowing I would be able to deposit the funds to cover this check within 12 hours. 

Before XXXX XXXX on XX/XX/XXXX, I wired {$1600.00} to my Wells Fargo account. I checked my Wells Fargo balance and the money I had just wired was fully cleared and available. There were no overdraft fees marked on my account at this time. 

A day later on XX/XX/XXXX I checked my Wells Fargo account again to find out that I had been assessed not one, but three overdraft fees of {$35.00} each, totalling {$100.00}. Wells Fargo has creatively decided to debit my rent check first, putting me in the red, and then debit two more paypal transactions, putting me farther in the red, as a means of justifying the multiple overdraft fees. 

1. These fees were assessed after Id put in funds to cover the payments Id made. 
2. My payments were reordered from the way I made them, so that Wells Fargo could justify multiple overdraft fee charges. 

I contacted Wells Fargo customer service very politely and a friendly agent apologetically said she understood my situation and offered to refund {$8.00} of each of the fees totalling {$26.00}, which I accepted. I asked her what I could have done differently and she said nothing, and actually thanked me for being a good consumer. 

I am writing to try to get the rest of these fees reversed, in the amount of {$78.00}. It isnt a huge amount of money, but I believe it was taken from me wrongfully. My motivation for complaining is obviously financial, but I also believe I have a civic duty to add my story to the public record in light of the shameful history of consumer unfriendly behavior at Wells Fargo. Despite their repeated settlements with the government for wrongdoing, this misbehavior continues. 

Thank you for the good work you guys are doing at the CFPB
I had a XXXX XXXX in XX/XX/XXXX and had to file a bankruptcy, which is stillbeing reported. In XX/XX/XXXX I had XXXX credit cards put on a debt settlementprogram which has been paid. But the credit bureau still is reportingthat I have serious delinquencies and I did n't have delinquencies beforethat and none since then. That causes a lot of places to turn you downwhen applying for credit. 

XXXX
An inactive that I have had for many years was cleaned out by an identity theft. There were many red flags during the transaction when my money was stolen, and Chase employees ignored them and handed over my money with no attempt to call me or my parent cosigner on this account ( the account was opened when I was very young, over 30 years ago ). The thief had my statements diverted to a gmail account and I had stopped receiving the statements. Since I wasn't getting statements I was not aware of the theft. Since I did not notify Chase about the theft, because I didn't know about it, WITHIN 30 days of the theft, Chase has refused to reimburse me, AND they also charged me {$20.00} per month for this account from the time of the theft to the time I discovered it, because the amount dipped below the {$15000.00} that was the level it needed to have in there to avoid the fee. I have worked with Chase employees at my local branch, all the way up to the " executive branch '' at a national level, and all refuse to accept responsibility and refuse to refund my money. I can't be the only one this has happened to. Chase made XXXX XXXX dollar profit XXXX quarter 2017. What is a nothing amount of money to them is a serious financial blow to me- I was saving that money for my retirement.
XXXX / XXXX /  XXXX    CREDCO   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  This inquiry was performed under false pretenses as described in the clear language of the law.  15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
On the morning of  X/XX/17    I was held at  XXXX  point and robbed of my wallet and phone. The people who took my wallet ended up stealing {$3200.00} at a store. They confirmed that {$480.00} was fraud and refunded my money but the transactions ( {$2700.00}  ) th at took place after this transaction was denied. They refuse to give the remaining money back even though these transactions took place after the {$480.00} transaction. The robbers also stole {$1000.00} from the ATM. They have been inconsistence with their reasoning as to why it is being denied. Their last response was n't that the {$480.00} was refunded because it was under {$500.00} ; however, the other transactions, other than  XXXX , are all under {$500.00} as well. This company also had false reports on their account as to when I reported it then another employee said that report was n't there. They also said I called in a claim that their employee actually called me about and they had false notes on the claim. They also will not pull any images to prove that it was not me. Please see the attached images for the fraud transactions. They also have told me that I need to contact  XXXX  where the transactions took place yet they can not tell me where it took place for me to contact them.
we had a loan through Wells Fargo purchased XX/XX/XXXX. My husband XXXX in the military shortly after that and while he was XXXX, I had trouble getting Wells Fargo to protect him under the Soldiers and Sailors Relief Act.. Our vehicle was repossessed around XX/XX/XXXX-XX/XX/XXXX. I believe this was illegal due to his XXXX. We were not given a court order. I understand that Wells Fargo is being sued because of this and I want to enclose proof of this. This affected our mortgage process due to the fact we had to explain why it was repossessed. I am also including the credit report stating the status.
Transunion has erroneously changed the status of my XXXX XXXX XXXX account to " late ''. This account was paid in full and my reports reflected as such. Upon a credit pull today, my report changed to " late '' thereby affecting my score.
I am seeking the intervention of the CFPB in an attempt to correct critical information adversely impacting my FICO, XXXX  and XXXX XXXX credit reports attributed to negative reporting from Citibank credit card. The matter at hand took place during the billing period of XX/XX/XXXX XX/XX/XXXX. The balance on the Citibank card was {$3800.00} at the start of the billing period. Three recurring payments from my checking account were subsequently credited to the Citi account on XX/XX/XXXX ( {$40.00} ),  XX/XX/XXXX ( {$40.00} ), and XX/XX/XXXX ( {$40.00} ). On XX/XX/XXXX of the same period, a one-time payment of {$3700.00} was made via the Citibank customer service XXXX number, rendering a negative balance of - {$2.00}. Unknowingly, on XX/XX/XXXX the Citi account was charged {$28.00} interest for the billing mentioned above. The - {$2.00} credit from XX/XX/XXXX was  applied to this interest amount, leaving a new balance of {$25.00}. This last transaction would not be discovered until several months later, approximately around XX/XX/XXXX, while checking my annual credit reports. The missed payment had triggered an overwhelming sequence of events namely ; my Citibank credit card of 6 years and $ XXXX limit was canceled by Citi , 60 and 90-day delinquencies were reported to the credit bureaus, and my FICO score plummeted from XXXX to XXXX. On XX/XX/XXXX I sent a Letter of Error notice to Citi Bank Credit Bureau Dispute in efforts to rectify the oversights. This attempt to fix the errors would prove to be futile. Following my dispute, I uncovered additional circumstances that compounded efforts to remedy the situation. Because I elected to go paperless, I should have received my credit card statements via email. However, correspondence with XXXX XXXX XXXX found that all emails from the Citi group were added to the list of blocked emails within the security and privacy setting for my account. Therefore, I did not receive any notice of late or missing payment. Secondly, while making the XX/XX/XXXX payment via the Citibank customer service XXXX number, I selected to hear my current account balance and paid ( over ) that amount firmly believing that this transaction had settled the account. However, Citibank would later inform me that the current account balance information is not reflective of a payoff amount. This revelation was troubling since there is no option to hear a payoff amount on the customer service phone number. Hopefully through this communication Citi will earnestly reconsider the facts and apply common sense to an uncommon situation. I was a loyal customer to Citi for 6 years, typically paid weekly, in advance, over the minimum, and without ever missing a payment. After paying {$3700.00} to settle the account, my evidential history proves that I would not have intentionally paid {$25.00}?! Thanks in advance for your help and consideration.
Contacted Collection Agency Was Told To File Complaint With Credit Reporting Agency. Filed Complaint.Was told It was Mine No documentation Contacted XXXX XXXX Wanted Me to furnish State ID and SS Card This is fraud Did Not feel comfortable Sending Personal Information to them.
The XXXX XXXX XXXX XXXX issued by Synchrony Bank added a " Card Security '' fee with it describes as : " Optional Card Security - Up to {$10000.00} protection on your credit card. With the optional Card Security program, your account balance up to {$10000.00} may be cancelled. '' I never intended to purchase this product and certainly never knowingly did during the card application process. As I understand it the product charges XXXX dollar XXXX XXXX cents ( {$1.00} ) per XXXX XXXX dollars ( {$100.00} ) for an APR of roughly 20 %. No indication of the charge for the insurance is mentioned in the description that I click on the card payment splash page. Furthermore, The Synchrony Bank website did not make it clear if where or how it could be cancelled. I found the 3rd-party insurance service provider 's phone number and cancelled and was told my last charge would be refunded but a less observant customer could have unknowingly been paying for this unwanted service.
In XX/XX/XXXX I went to a XXXX school at the school, they told me these were PELL grants they were not to be paid back. I was on county assistance at the time my case worker also had to check this paper work because she wanted to make sure i wasnt receiving extra money besides what the state was giving me monthly ... she also told me they would not have to be paid back by me they were federal pell grants given to low income partcipants. in XX/XX/XXXX I rented an apartment and this student loan was a negative mark on my XXXX print out the apartment managers is the one who told me i needed to call these people and find out what this loan was for ... I didnt know anything except that i didnt believe i owed it but in order to get it off my XXXX I needed to make tHese payments and they would put it in a current status and it would no longer show up so i did, until i kept paying on it and instead of it going down it kept going up .. this whole thing makes no sense mainly because no one can come up with the MASTER PROMISSORY NOTE for the original loan so reallywho do i owe and what do i owe and above all else wheres all the money i ve paid with no proof i even owed this in the first place.
I am receiving calls from a company that asserts that I still owe money on an account that I paid off in XXXX 2013. 
This account shows " paid, closed '' on my credit report since XXXX 2013.
XXXX   XXXX , 2017 - - *   Rec eived letters from  XXXX  2nd/NEW Attorney (  *** ) -   Re  nt i s due on th e  XX/XX/XXXX  y et Attorney 's for the  XXXX  sent  3-day not ice with a debt collection notice attached as well. Attorney -   XXXX   XXXX   (  KTS )   XXXX   XXXX    2017-  - We sent certified letters to  XXXX  and  its at torney ( KTS ) to validate the debt and that we are disputing ALL portions of the alleged debt.       XXXX   XXXX    2017 -  - KTS filed unlawful detainer ( unbeknownst to tenants )   XXXX   XXXX    2017  - - Tenants received unlawful detainer    XXXX   XXXX  2017     - - Interrogatories personally delivered to Plaintiff Attorney of Record ( KTS ) .. Inspection demand personally delivered to Plaintiff Attorney of record ( KTS ) .. Notice of Motion-to-Quash, Judicial Notice  ,  personally delivered to Plaintiff Attorney of record ( KTS ) by server.       XXXX   XXXX   2017     - -   XXXX    XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX   (  " Plaintiff '' ) authorized agents falsified documents and KTS is heavily relying on this information, which constitutes Civil Conspiracy.       XXXX   XXXX   XXXX     - - Counsel for KTS attempted to collect a debt without providing validation of the debt in violation of FDPCA, at court and in open court he attempted " Personal Delivery '' of the Summons and Complaint, even though we have disputed this alleged debt.     SUMMARY : The company is in violation of FDCPA, violations include but not limited to : - unlawful communication tactics -False statements and/or representation - Taking legal action on a fraudulent alleged debt.   - Malicious prosecution  - Harassment & Discrimination & Retaliation - I would l ike for this company and their process server to be investigated by this bureau, the California Attorney General, DOJ or FBI. Because if they are trying to pull this stuff on my wife and I am sure they have attempted this on other consumers and caused irreparable harm to individuals.     Law offices of Kimball , Tirey & St. John LLP  XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX , California  XXXX   Re  :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Wells Fargo has charge excessive overdraft fees of {$35.00}. Request has been made that Wells Fargo not honor payments when funds are not available. However they have continuesly done so without our consent. To grant a charge when the funds are unavailable and then to charge a {$35.00} overdraft fee for separate transactions knowing that there are insufficient funds to cover the transaction is in a sense predatory lending.
We were transferred to Seterus from XXXX, Bank, we were told that {$3300.00} was past due, We paid that before the due date of XX/XX/XXXX. Seterus formed a escrow account that we did not have with XXXX nor with Seterus as we pay all out taxes and insurance ourselves. Seterus no5tified us that we still owed the XXXX after we paid it in XXXX installments XX/XX/XXXX. Due to bad / negative correspondence about Seterus we went ahead and sent another {$3300.00} by certified check to go against money not owed, but Seterus said we did, then starting in XX/XX/XXXX XXXX started collecting escrow as we had no choice but to pay as this was our new total monthly bill. we could not short pay nor were given any other option. escrow was calculated for 12 months to collect money owing. Seterus collected for over 18 months not the 12 and when questioned reimburse us {$2500.00}. but kept the {$3300.00}. this adds up to paying the {$3300.00}, 3 times. 
A complaint was filed and they justified it with us making the decision to pay the escrow amount that we did not have an option to. they did not point out in their letter in response to the complaint the we were never supposed to be escrowed for any amount. ever! we always paid our property taxes ourselves, the first payment cleared the debt, the second payment the put towards our principal? And the Escrow they kept I have no idea where that went? now I call and they are not available, they are closed at XXXX PST on a Wednesday? I can not call, letters create a cluster of confusion without resolution. 
please help
The lender keeps calling me at work-Has now put my job in jeopardy- Has sent them 3 letters asking them to Stop calling me at work. I have contacted a lawyer also at this time. They called again twice today XXXX/XXXX/16. They have my personal phone number if they need to reach me
here i am again complaining about ocwen this co. needs shut down. i tried emailing this through my email but it wouldnt go through. something has got to be done about this co. i guess they are in XXXX so you cant understand them and you cant ever talk to the same person XXXX. they are XXXX days from foreclosing on my family. i have been begging this place for help. our payments went from XXXX to XXXX to XXXX XXXX, now they are XXXX. when i XXXX called ocwen for help they informed us that we have to be behind to get help we didnt really want to do that but we did XXXX months behind they said so we did  and then asked for help and they assured us over and over again they would help. i filled out the application and all the paperwork numerous times bc they would lose something or didnt recieve something or couldnt read somehting or the very XXXX time they made us an offer they raised our payment XXXX a month. what? we are asking for help and they are raising our payments. thats ludicrous. after XXXX more months of being jerked around, the whole time them promising to help us, we were then almost a XXXX. behind on our mortgage. once you get that far behind there is no catching up. we hired a lawyer he did absolutely nothing but lie to us and take our money. what is this world coming too? then another lawyer and they are like well just file chapter XXXX and your new payment is XXXX a month. you got to be kidding me. we couldnt afford XXXX a month but now XXXX. give me a break. we had our house appraised it come in at XXXX we owe XXXX which is exactly what we barrowed XXXX yrs. ago. i will  not give up until they physically throw us out. why cant anyone stop this co. from their illegal, improper and inhumane practices? they get you behind and then foreclose on you. something is wrong here. if you go to any website on ocwen there is nothing but complaints and people going through the same exact thing. everyone is begging for help and the govt sues them goes in and slaps their hands and its over right back to the same old XXXX i just dont get it. i know they have more money that XXXX but please why cant someone make them stop. everybody is afraid of this place i guess. i swear to you if i was a lawyer i would rip them apart. and i wouldnt stop until they had nothing just like they are doing to everyone else. you can publish this anywhere it doesnt matter bc there is tons of these complaints and everybody is just turning thier heads like nothing is going on. there is actually a website that says "nobailout for ocwen homeowners letter to barak obama" and he dont care either. whats the problem?
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX + {$1300.00} ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX + {$410.00} Needs Attention ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX +  {$100.00} Needs Attention ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX + {$54.00} Needs Attention Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
On Friday XXXX XXXX, 2015, I spoke to a representative name XXXX at Capital One Investing ( on-line ) about money I desperately needed to redraw from a Roth IRA. Long story short, XXXX verified all information and finally advised the funds would be available and transferred into my linked checking account today. I went on-line today to check status and transaction was for lessor amount discussed. But the big kicker is : THE TRANSACTION WAS CANCELLED. Capital One Investing said it was because of suspected fraud on my account. I suspect it was because of the type of racial discrimination that is subtle, but deliberate and artful today.
I have asked several times for them to stop calling me at work. They have called my HR department and several co-workers to contact me. I have repeatedly asked them to not contact me at work and it wil not stop.
Loan # XXXX complaint against Carrington Mortgage services Subject- I do made a paying regularly. In 8 years never late but mortgage company didn't post my payment. 

Hello. 
I brought home in XXXX, since then made the payment on time. I use to made payment to chase mortgages at XXXX, but XXXX sold my account to carrington mortgages, Since XXXX. XX/XX/XXXX I am making payment to carrington mortgages. Payment made by EFT first week of every month. I was shocked when find out my payment not post and but my account 1 month behind. I spoke many time to carrington services and told them there was payment made every month, After all going thru this I made another {$700.00} payment to carrington, in XX/XX/XXXXI made 13 payment.

In XX/XX/XXXX I made

3 payment but carrington online account showing only 1 payment. My monthly payment is {$500.00} because removed house tax removed from my mortgage account. 1 -My complaint is carrington should refund my
{$700.00} from XX/XX/XXXX because I made 13 payment.

2- In XX/XX/XXXX carrington should post my 2 payments because it is paid each payment was {$500.00}. 

Please call me if there is any question. I have receipts. 

thanks