WillisBack/dataset-financial-user-claim huggingface dataset:
I attempted to secure auto financing from JP Morgan Chase Bank through a dealership. They said they required an unexpired XXXX XXXX in order to do this as I am a XXXX XXXX XXXX of the united states but as part of the XXXX process my expired XXXX XXXX was taken by the USCIS when they issued me with a passport stamp ( not just ink, physical indentations that make up the USCIS logo that would be very hard to reproduce ) in my Non-US passport that is considered the same thing as a XXXX XXXX which is good for a year. This same lender was willing to give me finance a year earlier in the same circumstances but with 14 days left until my XXXX XXXX 's expiry date ( I had a letter from the USCIS informing of a 1 year extension ) and gave me finance for longer than the term of my letter but in dealing with me this time they refused to give me financing terms for any time longer than the current stamp was valid. I believe it to be the case that they did not want to accept a valid form of the XXXX ( the exact name of a XXXX XXXX ) because they do not understand it and refused to work with me. As an XXXX trying to work and live in the US, how am I supposed to get to work and support my family if nobody will give me financing on a vehicle? I have been living in the US for 3 years now and this is the first time anybody has given me any kind of difficulty or discrimination based on their unwillingness to understand the XXXX process.
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXXXXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. Box XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX
On XXXX XXXX 2016 a double payment has been made on my personal loan by mistake, I made a payment from my saving account to my personal loan and an ACH was processed ; I could n't afford to process both and I called the bank to requested a refund of XXXX of the XXXX payments. As a result of my request the bank processed multiple unauthorized transactions moving money back and forth from my saving account and my personal loan. After a few days I checked my online banking and a big red flag showed on the screen indicating a 41 days past due payment due of more than XXXX XXXX dollars, and this late payment was already reported to the credit agencies for no reasons. After a series of phone calls and speaking with bank employees who had no idea on what to do finally I got connected with and executive office employee who at least was able to understand the problem and seemed to be able to do something about it ; as a result I received a letter from the bank saying that they made a mistake and would communicate it to the credit agencies to clear my credit report and the case would be closed. On the XXXX of XXXX I checked my online bank and my saving account was short the amount of {$810.00}, the bank withdrew the money without giving me notice or advice and without my authorization, without explanation. After multiple phone calls and email to the same executive office employee the explanation given to me was that nobody could understand why the money was withdrawn and most important where it went. After almost a month I received a senseless letter containing information that once more does n't explain to me why they took the money, it does n't report the right information about my account and it is an insult of my intelligence personally and as a client.
I continue to get calls from XXXX with XXXX XXXX XXXX in California. He calls several times a day from different numbers XXXX and XXXX. I asked his coworker XXXX and XXXX not to call and now they are calling my place of employment speaking to different coworkers threatening wage garnishment when my payment arrangement was not sufficient. XXXX is leaving song tunes at end of messages and derogatory remarks on my home and cell phone.
I deposited {$94000.00} on  XXXX  at a branch in  XXXX , PA. They put  XXXX  holds on the account. Later they put an indefinate hold on the account citing that the maker bank put the wrong account numbers on the check. Then they said the check would never be honored and said the FDIC would write me a letter with no clear date or timeframe.     I am told today by  XXXX  that the funds have cleared the bank and they are not deposited into my account
Homeowner 's loan was HAMP modified in XXXX XXXX resulting in a payment of {$750.00}. In XXXX XXXX an escrow analysis was performed resulting in a further reduction of his payment to {$420.00}. HO has been diligently paying his mortgage payment. HO has a primary residence ( tax lot XXXX ) and a rental home ( tax lot XXXX ) on his property ). In XXXX XXXX he discovered that lender had been paying the taxes on XXXX but not XXXX ( both are secured under the mortgage ). He had a {$7000.00} delinquency on XXXX that he had been making payments on. When lender discovered their error in calculation, they paid the $ XXXX plus added one year and a two month cushion for escrow, resulting in an escrow shortage of {$12000.00} and growing. Lender did not notify HO of this shortage and HO continued to make his {$420.00} payments, resulting in a negative equity situation. Lender recalculated the payment necessary ( after amortizing the shortage over 60 months ), resulting in a payment owing each month of {$980.00} creating a financial hardship for HO. Moreover, lender has yet to notify HO of this change and available options, allowing the balance to grow.
There are 2 accounts on my credit report that are not mine. One is XXXX XXXX XXXX with XXXX XXXX XXXX and the aargon agency with XXXX XXXX XXXX. I 've reported to XXXX and both of these credit agencies that these accounts are not mine I was n't living in the addresses at the time these bills occurred. Someone must 've kept the bill in my name. I request for this to be removed for fraud and incorrect information.
Back in XX/XX/XXXX-XXXX 2015 I had a major loss and sick ness and I fell into a financial hardships ... I fell behind on both of my capital one credit cards ... I wrote them to advise them of this and asked that they remove the late payments as a goodwill ... being that I have been on time ever since ... they did n't take in consideration of the entire process and flat out denied my request ... .I have 2 credit cards with them and they sent me the same denial for both.
TD Bank solicited me by mail to apply for for a HELOC. I called and filed an application. They called me with an issue and we traded phone calls for a while. They are next to impossible to get a human being on the phone, often 20-30 minute wait times with no ability to leave a message. Eventually we spoke and they told me the issue was that my wife, who had recently experienced a stolen credit card, had a fraud alert on her credit report. We contacted the credit bureau ( XXXX ) and removed the fraud alert and they told us that TD 's issue was nonsense and that a fraud alert doesn't prevent them from drawing credit reports. In fact my wife and I just received the mandated letters telling us the credit scores they received. I have since been unable, despite hours of attempts, to get anyone on the phone to discuss the issue. TD 's voicemail talks about exceptional service, horrendous is a much more appropriate term.
On XXXX/XXXX/2016 contacted HSBC Bank to register Credit Card for online access to pay bills. Was advised they could n't do it and to call a different number. I had them transfer me and was advised that the account had been closed and that I was classified as " deceased ''. They told me I had to go into a branch location with ID to verify identity. I went to the HSBC Branch In XXXX, MD @ XXXX XXXX XXXX XXXX, XXXX, MD XXXX. They took photocopies of my ID 's and said that there was nothing they could do at the present time and had to be worked on in house. They said someone at HSBC made an error but gave no time table or additional info regarding resolution. The personal I was dealing with at the bank said, " we are waiting for a copy of the death certificate. '' They did not provide any details as to why I was identified as deceased said I could not pay my bill over the phone or online because it 's currently in collections.
As a XXXX. Routinely, Experian denies my patients their free credit report online, requesting they send in a written request. I myself just requested my credit report, and I KNOW that I had all of the correct information to access my report, yet I was also told to submit a written request. Clearly, Experian is denying citizens their right to a free credit report. I noticed that XXXX plays the same game. This behavior not only needs to stop but be punished. 
Thank you XXXX XXXX
Im having issues with XXXX  because they did not report my dispute correctly/timely for a charge I did not authorize. I was contacted last week by XXXX who advised the account is in dispute with MasterCard. I said a payment is about to be due and I wasnt trying to have collection calls over this one charge and finance charges. She confirmed I would not be receiving collection calls. 

I have received the following excessive calls from their collections department which is against the Fair Debt Collections Practices Act : XX/XX/XXXX @ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX @ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX @ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  Text message from XXXX sent and received at XXXX XXXX today XX/XX/XXXX as well as a call at XXXX XXXX. 

The calls are harassing and the account is not even supposed to be showing delinquent.
I started my complaint with the regular customer service to apply for a " Affordable Fixed Mortgage Payment ''. After I was bombarded by several financial and family lost XX/XX/XXXX followed to a XXXX leave. I applied 3 times for a Loan Modification or a Home Affordable fixed loan. Every month I 've called the Wells Fargo Bank to checked the status of my application. Every month I was told that they did not can not do anything earthier my self just to wait just to waited until a final decision was made and I asked bank if I should make the payment they said not to make any payments until decision was made in my modification was made at the conclusion of the case. The bank waited 8-9 months to informed me that my loan modification or affordable payment was denied! Not just that.. I was told that my credit was not going to be affected! That was not true! They sent me to collection, charged me late fee 's for all the most that I was behind and also they are charging me escrow??? When I asked why they were changing me escrow I was told that they were changing me for the property insurance?! When I have insurance, I have this insurance for many years. When I faxed them the proof of the insurance. They ignored my fax and they 're still changing me for insurance otherwise I been paying insurance twice since I paid for my insurance back in XXXX XXXX. Now staring XXXX XXXX, XXXX, my mortgage is going up {$700.00} dollars more in my mortgage, not including property taxes and Insurance, besides others regular expenses. I when up to the Executive Department and with out sympathy, a executive by name XXXX executive assistant of the Vice President XXXX, told me that if I can not afford to make the payment anymore. They will put my house in foreclosure simple as that! I started crying over the phone while I was talking to him, I told him that I could not believed that they were so unprofessional and do not care taking over families roofs! My loan has a lots violations.. Pls help to get an affordable mortgage payment. Please contact me my email address is XXXXXXXXXXXX, phone XXXX.
DISPUTE WITH XXXX XXXX XXXX XXXX XXXX XXXX-STATEMENT FOR XX/XX/XXXX/XX/XX/XXXX SHOWED FOUR FRAUDULENT CHARGES AS FOLLOWS XX/XX/18 {$60.00} XX/XX/18 {$490.00} XX/XX/18 {$280.00} XX/XX/18 {$200.00} -- AFTER FILING A COMPLAINT WITH THE BANK THEY CANCELLED MY CREDIT CARD AND ISSUED A NEW CARD WITH NEW NUMBER. THEY ADVISED ME THAT THE VENDORS ON THE XXXX   CHARGES HAD BEEN TAKE CARE OF AND REMOVED FROM MY ACCOUNT. AFTER THEIR INVESTIGATION ON THE XX/XX/XXXX CHARGES I WAS ADVISED THAT THIS DISPUTE HAD BEEN RULED IN MY FAVOR AND HAD BEEN REMOVED FROM MY ACCOUNT.

THINKING THAT THIS WAS THE END OF THE ISSUE UPON RECEIVING MY XX/XX/2018 STATEMENT I NOTICED THAT THE {$280.00} AMOUNT HAD BEEN PUT BACK ON MY ACCOUNT AS A CHARGE.

AFTER NUMEROUS PHONE CALLS AND LETTERS TO THE BANK THIS ISSUE HAS NOT BEEN RESOLVED AS OF THIS DATE. ON XX/XX/2018 I MAILED THE BANK A LETTER ( CERTIFIED MAIL DELIVERY RECEIPT REQUESTED ) REQUESTING THAT THIS ISSUE BE SOLVED. THIS LETTER WAS RECEIVED BY THE BANK ON THIS DATE.
since XXXX my accounts at Chase and every account I have with other agencies has been accessed without my consent over and over, sometimes at the ATM, but mostly my Slate card and sometimes my Freedom card. I report right away and Chase gives me temp funds. then, sometimes they reverse an And take funds away, leaving me overdrawn. Usually I still have my cards and most of them now have the chip, which is NOT fraud proof according to the internet. every claim i have made is true. i would have been better off to lie and say my cards were missing. now Chase has closed my credit cards. they are maxed out anyway and my credit score is down  more than XXXX points. 2 days ago Chase also closed my checking/savings accounts without warning. my credit is ruined and i can not pay my bills. I am paying off the credit cards for items that i did not purchase. I had a XXXX in XXXX and live on my XXXX XXXX. This series of events has caused me extreme hardship through no fault of my own. in addition to all of the bank fraud my apartment has had items stolen. i very much want to move away from here, but have no money to do that. it 's a nightmare.I filed a complaint here and the answer was that they are still looking into it. I will file with the Attorney General if I ca n't get all of my funds credited. chase should have protected me more instead of calling me a liar.
Sent Experian a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. Experian has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.
THIS STUDENT LOAN I HAD INTEREST RATE IS ENTIRELY TO HIGH FOR ME TO REPAY. I AM STRUGGLING TO REPAY THIS LOAN ON A LOW INCOME SALARY. SALLIE MAE AND NAVIENT LOAN INTEREST IS TO HIGH.
I opened a complaint against Santandar a few months ago. They claimed that they would be sending the dealership a check for {$800.00} payable in my name and the dealership 's name to reimburse me for payments made on a loan that was " unwound ''. I did not submit a response because I was waiting on this check to be sent and to be reimbursed. The dealership claims that they did not receive a check from Santandar for {$800.00} or any other amount. I need proof that this check was sent to the dealership. If it was not sent, I need payment sent immediately and would prefer to have it sent directly to me so that I do not have to deal with the dealership about this matter. The old case number : XXXX. I could not respond to it so I started a new complaint. 

Santander 's original response is attached to this complaint. In that response Santandar states that we were supposed to continue to make payments until the vehicle was bought back by the dealership, but Santandar 's customer service representative specifically told me NOT to make payments. This is the reason that I stopped making payments, and, ultimately, the reason that the vehicle was repossessed. 

Also, during this time, when the vehicle was repossessed and sent to auction in the middle of the dealership buying the vehicle back, I was not given the option to take my license plate off of the vehicle to turn into the DMV. I assumed that the repossession company had done so and dropped the insurance on the car since it was not in my possession for 2 months. Because the license plate was not removed and turned into the DMV, my husband has a flag on his license for {$270.00} because there was no insurance on the car for 2 months. It also took the dealership 2 months to get the car released from the auction site that Santandar sent my car to. The dealership drove to the auction site ( in another state and more than 1 hour away from our location ) more than once to pick the car up after buying the car back and the person was turned away and told that Santandar still owned the vehicle. Finally after two months of this nonsense, the car was released to the dealership. The car was released with no license plate, the break tag sticker gone, the oil change sticker gone, a piece of the console missing, and missing paint on the front bumper. 

Thank you, XXXX and XXXX ( XXXX ) XXXX
Payment made on XX/XX/XXXX from XXXX Checking account XXXX XXXX calls XXXX XX/XX/XXXX @ XXXX to say payment is late I state above. XXXX XXXX representative advises me to file a dispute with XXXX XXXX XXXX Banking Dispute with XXXX XXXX payment XX/XX/XXXX XXXX reaches out to XXXX XXXX XX/XX/XXXX ( XXXX will not speak to XXXX without Subscriber ) XXXX XXXX stated they will not speak to XXXX without me XXXX closes dispute XX/XX/XXXX. Sometime in early XXXX called XXXX XXXX with me, XXXX XXXX XXXX XXXX banking customer service to try to resolve issue, representative stated that payment would be applied to mortgage payment. I called XXXX XXXX onXX/XX/XXXX @ XXXX XXXX minutes transferred multiple times stated payment would be applied to mortgage XXXX payment made with XXXX XXXX at XXXX XXXX location XX/XX/XXXX XXXX XXXX XXXX NY XXXX from XXXX XXXX ( did not state his name ) left voicemail on XX/XX/XXXX @ XXXX stating to return his phone call. XX/XX/XXXX collection department called @ XXXX ( 29 minutes call ) stating that my XXXX XXXX XXXX is in delinquent status, I stated all the above. Representative was very rude so I stated I would rather call XXXX XXXX directly to rectify. The same day, I called back XXXX XXXX and spoke to customer service representative XXXX XXXX & XXXX on the phone XXXX minutes being transferred back and forward Payment directly debt from XXXX  account # around the same time ( will show on past XXXX statement ) XXXX was able to get XXXX XXXX XXXX on 3 way and payment was applied XX/XX/XXXX XXXX left voicemail on XX/XX/XXXX at XXXX p.m. stating that they will be mailing out a paper check for the balance that should have been applied to the XXXX XXXX XXXX. Paper check was dated XX/XX/XXXX ( see attached ). Received check from XXXX for overpayment that should of been applied to mortgage dated XX/XX/XXXX received check on / around XX/XX/XXXX which I deposited into our XXXX account via mobile banking on XX/XX/XXXX
Bank of America Core Check fee disclosure agreement states : have at least one qualifying direct deposit of {$250.00} or more made to your account each statement cycle. Disclosure is not specific and misleading a customer to perceive as to at least one deposit, without mentioning it must be a SIGNLE deposit, meaning to as one or more with a combined sum of {$250.00}.

Bank of America XX/XX/XXXX overcharged a monthly maintenance fee of {$12.00} during a statement cycle when one of its requirements was met per banks fee agreement, specifically as to one or more of direct deposits of {$250.00}.

Contacted BOA customer service on XX/XX/XXXX for fee refund resolution, which was not satisfactory.
On  XXXX / XXXX /   17  I was approved and given a loan in the amount of {$700.00} with the understanding that the pay off amount would " not be much more than {$700.00} '' The answers I received were very vague and misleading. Come to find out the actual pay off for the {$700.00} was well over {$2000.00}. Once I realized I attempted to return the {$700.00} they 'd already transferred to my account but they denied my request saying I would need to pay the finance fees and give them {$910.00}. This was the next day  XXXX / XXXX / 17 . I feel as if though this is not just as I did not realize what I was agreeing to and attempted to correct the mistake the next day but they would not allow it. I attempted to find a copy of the loan agreement to add to this complaint but I have zero access to any agreement via their website
In XXXX of 2014, I stopped receiving statements/bills from Kohl 's Department store for my Kohl 's charge account and believed the balance ( less than {$300.00}? ) had been paid in full. There was, however, a small balance and Kohl 's continued to issue a {$35.00} late fee on this account each month for 24 months ; the late fees now total over {$840.00}. At no point in this cycle did I ever receive any notice from Kohl 's that there was an issue with this account despite the fact they had our current address on file. This issue came to my attention last month. I 've reached out to Kohl 's in three separate phone calls and have asked that the late fees be removed but have not received any response.
Synchrony Bank has been charging me a " card security fee '' for payment protection services on my Lowes Card. They have apparently been charging me this fee for months and it totals hundreds of dollars. I know better than to sign up for payment protection - it 's almost always useless. I did not and do not consent to this. I spoke to a man on the phone who told me they can look into refunding me and that it might take one to two billing cycles. This is not acceptable. ALL CHARGES placed on my account for payment protection should be removed immediately.
I have a signature loan with XXXX XXXX in XXXX that is behind. I have asked them repeatedly not to call my work number but they continue to do so. 
Voicemails and call logs can be pulled if needed.
I am XXXX years oldBorrowed mortgage money XXXX on my homestead home to start a business in XXXX. 
Made interest only payment, timely of XXXX. 
I am going to pay off the mortgage and now the lender has added XXXX in fees. 
Accrued Interest Thru XXXX XXXX, XXXX XXXXMortgage Satisfaction XXXX. 
Deferred Loan Origination Fee XXXX. 
Deferred Processing Fee XXXXPrepayment Fee XXXX. 
Payoff/Profesional XXXX. 
Wire Fee XXXX. 
Loan Administration Fee XXXXEscrow Fee XXXXI thought I would have to pay up to XXXX in fees but these seam to be totally beyond fairI want an opinion whether these fees are legal