WillisBack/dataset-financial-user-claim huggingface dataset:
I received a bonus offer from Chase Bank regarding opening of new checking acct. 
I called their customer service and refer me to the nearest branch Chase Bank at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I came to their branch on XXXX XXXX, 2015 around XXXX. I entered the branch and went to their new accounts. I meet the banker name Lorraineand telling her that i will open a new checking acct and setting up direct deposit. She respond to met in rude way 'you know what time it is? we cant open your acct since it takes 45 min to finish but it told her i was at branch prior to their closing. So she asked the branch Manager XXXX. So She came back asking XXXX valid id 's So i present her my Valid drivers license and ATM debit from XXXX XXXX XXXX. While on the process she ask to enter my ssn # then i entered it. Then she asked me where i born .Then i replied to her that i born in the XXXX . She said oh yah ... .. then she said are you resident of the US ? i said yesthen she said i need your green card since you born from the XXXX ... .... 
i asked her if she is serious she said yes with rude voice ... ... ... ... ... ... 
I told her i have it but i do n't bring it with me all the time for safety reason. it might lost. 
She said i do n't care you should carry it all the time since you born from the XXXX. 
We ca n't open your acct. if you want go to another bank but chase policy is that we ca n't open without your green card specially your born in the XXXX. So i felt discriminated and embarass. because of my race as a born from XXXX. I ask the Manager XXXX XXXX to told about it but it get worse she protect her banker and telling same thing since i born in the XXXX i need to have my green card. So i asked her that i can bring it tomorrow cause i need it on my direct deposit. But she told me that same thing you born from the XXXX Chase bank policy is to have a green card as primary id. I told her that i have shown already XXXX form of id 's to banker XXXX .But Manager XXXX said again. It 's policy if you born in the XXXX we require green card as the id.Also she said she dont care even i report them to any agency since she is the vice president of the company. 
I felt discriminated for what they did to me. Hoping that you 'll help and assist me with this unlawful treatment by this personnel from Chase Bank.They reject me and discriminate to open an checking acct since i born from the XXXX
On XX/XX/XXXX I contact US Bank concerning a get well plan for my past due payments. On that date I agreed to an ACH payment to occur on XX/XX/XXXX.  Unfortunately the customer service associate made an error and the ACH payment was processed that day when the funds were not available. On XX/XX/XXXX, when I received the overdraft notification from my bank, I contacted US Bank and advised them of what was going on. I was advised by the customer service associate that I should stop the payment at my bank. He also stated that their system was down at the moment so he could not pull the call to verify the arrangement, and that once the system was back up, he would call back to resolve the issue. I did not hear from them, therefore I contacted them again on XX/XX/XXXX. During that conversation I was advised by the customer service associate that a supervisor would contact me by the end of the business day to resolve the issue. I did not receive a call back. I contacted them again on XX/XX/XXXX and was advised that it was in the supervisor queue for a call back, still no contact. On XX/XX/XXXX I was actually contacted by the collections department due to my late status. I missed that call and immediately returned the call. I spoke with a young lady that took the initiative to resolve the issue. She had the call pulled and verified the mistake made by the customer service associate on XX/XX/XXXX. She advised they would remove any fees that they had in their records due to the returned check, and that they would refund the stop check fee of {$30.00}. The associate stated that their normal policy was to mail any refund payments under {$100.00}, and that it would take 7-10 business days to receive the check. I advised her that it was unacceptable due to the fact of how long the issue had persisted and my financial situation. She stated that she would speak with her supervisor to get the authority to wire the funds to me. She stated that she spoke with her supervisor and received the approval to wire the funds. She stated that it would take 24-48 hours. On XX/XX/XXXX I was contacted by their collection department again. They were contacting me in regards to the status of my account, although on each of the previous calls I had advised them of what my get well plan was. The associate made no mention of the status of the refund transaction. When I asked about the status of the transaction I was advised that the refund had been mailed because the payment was under {$50.00}. I told advised her of the situation, at that point she transferred me to a supervisor, he only announced his name and then the call disconnected. I called back and spoke with another associate that consulted with his supervisor and stated that there was nothing that they could do in their department and sent me over to a senior customer service associate. That associate advised that there wasn't anything that they could do, and that I should receive the check in the next couple of days.
On XXXX XXXX I went to ATM inside Branch on XXXX XXXX and tried to withdraw {$60.00}. The ATM took my {$60.00} and gave me a recipe and said call XXXX. Lol.. And withdrawal the money out my account. Then I file a dispute and was given a credit and later it was reverse. I still have this recipe.
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX  ( showing multiple entries on my credit report ), XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX,
In XX/XX/2017, I contacted a mortgage company called Paramount Equity about refinancing my current VA home mortgage. I was finishing school and my VA benefits would end in XX/XX/XXXX. I told the representative that if I couldn't complete the process by XX/XX/XXXX there was no point in starting the process. I was reassured that everything would be fine and it would take just a few weeks to get it done. Weeks would drag by with no contact from anyone. Then I would receive an email saying that I needed to get something ; a termite inspection ( {$600.00} ), tax forms, pay stubs or getting the appraisal done ( several hundred dollars ) in the next 24 hours or it would halt the process. This happened numerous times, all the while they kept hitting my credit with inquiries telling me that they were of no consequence. After weeks and weeks, stretching into months and months, I was getting close to the point I was trying to avoid in the first place ; missing a house payment. When I did hear from someone, I was told to not worry, the end was nearly there. Well, because of their dragging their feet, I missed my XX/XX/XXXX payment. I then got a phone call that I was no longer eligible for the refi I was going for, but I could do a different refi, not take any money out ( we were hoping to pay off our cars ) and the interest rate would be much higher than we wanted. My credit score dropped, and I had to get a 2nd job to offset the change of income. If they would have actually done their jobs, or just told me it wasn't going to happen, I would not have missed the XX/XX/XXXX payment because the money I spent on the processes would have gone towards that payment.
Intercepting my taxes without validate the debt. I sent them a written request to prove I owe this money. They did not sent any documents that the money was issue.
Declined to waive first late fee wich was only late by a couple of hours. No courtesies for long time clients and first late fee ever
On XX/XX/XXXX I entered the Check N Go on XXXX XXXX and handed the Represetative a notarized letter. I informed her that I also sent a copy to XXXX XXXX she took the letter thanked me. I was laid off from my job and I informed XXXX XXXX that I wanted to revoke authorization to my checking account because I could no longer make the payments. I had no problems in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX but XX/XX/XXXX Check N Go attempted to debit {$140.00} from my checking account. On the check it states Authorized by your Customer No original signature required. I signed a contract at the time I received the loan authorizing Check N Go/XXXX XXXX to pull funds from my account but I have since revoked that authorization. This caused me to receive two returned check fees from my bank of {$36.00} each and a {$10.00} returned check fee from a company that I made a payment to that was returned as a result of this unauthorized check. I spoke with a women in the collections department and she refused to give me any information. I asked her for a number or address to file a complaint she stated that the only way to contact Check N Go is through email. She gave me the incorrect email address.
XXXX had continue to charge me every month for two and a half year 's for a cell phone that i was not using during that period i was XXXX from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX
These people continually call and harass me about a usury interest rate account that has a illegal usury interest rate.that was paid. # XXXX phone # XXXX I am XXXX XXXX XXXX and these people should also be charged with elder abuse. Please help me.
I opened an American Express Blue Cash Everyday credit card XX/XX/XXXX, through the American Express website. The credit card offer disclosures promised that I would be given a {$250.00} statement credit if I spent {$1000.00} on the card within the first 90 days of opening. The credit was promised to be given 6-8 weeks after the spend qualification was met. I satisfied the spending requirement just eight days after opening my account, but it has now been almost three months since and I have yet to receive the promised statement credit. This seems like a gross violation of regulations prohibiting unfair, deceptive, and abusive acts and practices ( UDAAP ). Specifically, American Express failed to deliver on an advertised promise. An established financial institution such as American Express should continuously be validating that every customer who has met the spend requirement has been given the promised reward, without fail. Clearly American Express is not doing such rigorous validation, as my reward was not paid out during the promised window of 6-8 weeks. Consumers should be wary of opening American Express credit card accounts where rewards are promised, as there appear to be gaps at American Express in delivering on those promises. Even after contacting the company to inquire about my reward, and the customer service agent acknowledged that indeed my reward had not been paid out despite my meeting the spend requirement, I was told that an investigation would need to be conducted and would take another 7-8 days before any further action ( if any ) would be taken by American Express. If it was obvious to the agent that the reward delivery had been missed, it seems like the agent should 've given me the statement credit immediately. The additional delay seems unnecessary.
Dear Sir/Madam, I was sued by XXXX XXXX XXXX XXXX XXXX ( XXXX ) sometime in XX/XX/XXXX. The entity claimed they owned my private student loans. However, they did not have the proper documentation to prove this. In XX/XX/XXXX, XXXX decided to dismiss the case against me with prejudice and drafted a Release and Settlement agreement. XXXX refused to accept my redlined changes and the document was never executed. XXXX District Court ended up disposing of the case for statistical purposes which means in other words the case was dropped. As a result of XXXX  meritless claims my credit score has been negatively affected. I am unable to get a loan for much needed home repairs as I had a basement flooding recently. I know that it is a violation of CFPB policy for an entity to submit false information to the credit bureaus in order to collect. In XX/XX/XXXX, CFPB have filed a consent order against XXXX  and Transworld Systems ( TSI ) and this was one of the reasons. I know I can not be the only individual who has filed a complaint against XXXX in this regard. Please have XXXX remove all negative collections, trade lines and amounts from my credit report. They have no right to continue to impact my credit score when they have no legal standing. I have filed complaints with the Credit Bureaus but they are unable to conduct a proper investigation. CFPB needs to intervene and request that XXXX   and TSI remove all trade lines, negative collection amounts from my credit report immediately.
Convergent Outsourcing listed an account on my credit report that has been paid in full. I disputed the account with XXXX  and XXXX months ago. I received a letter dated XX/XX/2018 from Convergent stating that they are no longer furnishing the account and that if it is listed on my credit report, they are going to send an request to have it removed. It is still listed on both credit reports. I sent evidence to XXXX  of the letter that Convergent sent me. They informed me that when they try investigate the matter, Convergent is informing them not to remove it from my credit report. There is conflicting information as to what Convergent is telling the credit bureaus to what they sent me in the mail. I would like the account removed from both XXXX  and XXXX.
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 3 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information, which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Experian credit agency keeps refusing to remove incorrect information from my report which cost me more interest rates and lowers my score. I had a bankruptcy due to a divorce but I paid the student loan off, they keep stating that it was included in the bankruptcy and I have already over a year submitted proof that it was paid off ( letter from the department of education ) and Schedules from the bankruptcy to show that it wasn't included and they refuse to update the account or to take it off. it is the only Credit bereau that has it and it is not allowed by law to include student loans into bankruptcies so its an obvious error.
I am a co-borrower on a student loan through Sallie Mae. I find their collection tactics deplorable. My son is a month behind in payments and their " automated '' system calls more than 3 times a day ( just received the 5th call today, every hour since XXXX ). The problem is there is no way to stop the automated calls, even if you return the call. 
1. Call is a recording with a specific person asking you to return their call. There is no person on the line, and no option to get to a live operator. 
2. You call them and ask for the person who was in the message, as requested, but you do n't get that person and there seems to be confusion on their end. Since I 'm a co-signer, I have to guess what it 's about. 
3. You can tell them it will be caught up by specific date, or whatever, but the multiple calls will continue until the next payment is made. 

I can understand a call a day until you contact them, but really, every hour, for the co-signer?
I submitted a previous complaint # XXXX against Regional Acceptance Corp. Please refer to my original complaint which is the origin for contacting XXXX. Contacted the IRS when I received these letters stating I owed {$990.00} in which the IRS said ; it did not send no such letters. Attached XXXX scheme letters using the IRS as a way to obtain money.
The vehicle in question was repossessed in XXXX 2012. There was no notification that this was going to happen. I sent them my XXXX XXXX prior to my departure. I was told by XXXX XXXX that those orders did not matter. I have sent the orders to them on two other occasions. They have put this on my credit report for XXXX.
I filed bankruptcy in  XXXX   XXXX . I paid off all the debt the bankruptcy said i owed in  XXXX   XXXX .   I recently applied to rent a house and the property management company said there was a debt with   XXXX   insurance for {$110.00} from  XXXX . I contracted  XXXX  and they gave me the number of the collection agency that it had been turned over to. I called them and explained that I had filed for bankruptcy in  XXXX  and the   XXXX   debt was never mentioned and that I was n't responsible for it. They just kept asking me how I was going to pay for it and offering lower amounts if I paid over the phone.
I have replaced my XXXX XXXX debit card three times this year. One time as a precautionary measure ( prompted by XXXX ), and two times after fraudulent activities on the account. The fraudulent activities are as follows shortly after replacing the debit card the first time after having suspicions of possible fraud : XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX= {$2600.00} XXXX Consumer XXXXr= {$1500.00} XXXX XXXXXXXX= {$700.00} XXXX reversed all of the charges and I had to replace all unused checks, change my account #, change my online banking info, contact creditors with new bank info and put the account on high security alert. I also had to replace all of my credit cards and change all of my user name and passwords for online activity. I manually enter all user names and passwords now. 

I paid for XXXX to put my account on " Initial Fraud Alert '' on XXXX/XXXX/XXXX which would be in effect for 90 days. This included XXXX ( XXXX  contacted them ) that had me on their " Initial Security Alert ''. This did n't catch the 2 transactions dated XXXX shown above which were after the stated alerts. 

I then contacted Equifax to find out that my personal information was in fact compromised. This breach of information was in mid XXXX and the above fraudulent activity happened shortly thereafter. I do n't think this is a coincidence. 

To top it off, I then had another fraudulent charge to my new XXXX debit card as follows : XXXX XXXX in XXXX XXXX= {$970.00} I had a travel alert in my email the day before about going to XXXX which I was n't doing so I contacted XXXX the day before the above transaction ( same day I received the email ) and they still could n't prevent it from happening. So, they had to issue another debit card and freeze my account. I was in the process of buying a car and was transferring funds from one account to another when this happened which prevented me from writing a check to pay for what is considered a person 's second largest purchase in their lifetime. So, after running from one branch of XXXX to another and investing even more time into getting things back to normal, I was able to have a new debit card made that day and also got my account off of " freeze '' so I could pay the car dealer for the vehicle. 

I called XXXX to get my online banking secured even more and make some changes and have high alerts implemented again. They did admit to some security weaknesses???? Thankfully, I did n't have to go through the hassle of changing my checking account info again. 

When is enough, enough? I 'm now in constant fear of when the next fraudulent activity is going to appear. I 'm sending this email in hopes that it will be yet another step in securing my information ( it did n't do much good with XXXXXXXX XXXX, and Equifax ).
I had called XXXX on XX/XX/XXXX to open a claim to an accident that happened on XX/XX/XXXX. I was on a three way call with XXXX and who I thought was an agent from Santander to finalize all of the information on the account and to have XXXX CLOSE the account with Santander. There was talks on faxing documents to XXXX ( from Santander ) when they received certain information from each other the loan would be taken care of. I had given my social, all personal information, and permission to have this done with Santander. I was under the impression the loan was closed out with Santander that day due to the information I was given from the " Santander '' agent. I received a letter of automatic payments coming out again from Santander. Upon calling them to check on the status of the closed loan, they had no record of me even calling. I had asked several times if he was sure and he said yes. I am afraid at this point my information is compromised, and that we didn't have a good phone number for Santander. I was three way 'd in so I do not know the number the agent from XXXX  had called. I reached out to XXXX to have them verify from me that on there end I had called and had the conversation and they confirmed everything with me for verifying I called and handled this on the XX/XX/2018.
My identity was stolen and I request to all my credit card to send me paper invoices after many fraudulent charges on different acts I receive charges from Synchrony Bank, for Walmart, BP gas, Sam 's Club, Chevron the Bank in mention just partial statements and if do n't pay the amount request they will report me to the credit bureau and finally they did I told the bank that Walmart was an overcharge almost {$500.00} but paid {$890.00} BP I pay amount request now they gave me credit for over {$250.00} Sam 's Club they send a paper invoice {$420.00} and late charges & interest I request invoices that proof that I owe that money, I call and email then several times without any result after receive Walmart invoices showing that they overcharge my account paid {$890.00} and closed Walmart account because there is not response from them. 
Walmart account # XXXX BP XXXX ChevronXXXX this bank act like pawn broker without regards for a consumer that is trying to improve his credit score please after my bankruptcy of 5 years and before that my payments has been XXXX on time
The information falsely submitted by the establishment XXXX XXXX. This information has been detrimental to me and my family. This information was submitted fraudulently and without proper inspection. Supporting information can be found in news archives, about their fraudulent activity.