WillisBack/dataset-financial-user-claim huggingface dataset:
This is my 3rd complaint against Chase Bank, first for taking months trying to close my savings/checking accounts unsuccessfully ( XXXX ), second for a letter notifying me to charge $ XXXX monthly fee for my savings account that I 've been trying to close since XXXX ( XXXX ). Now, I received yet another letter this time to notify me that they are going to change me $ XXXX monthly fee for my checking account, which I 've also been trying to close since XXXX. Apparently, they have reactivated my accounts, which I did n't ask, instead of closing them. I had even took a trip to the US embassy in XXXX to have my document ( a request to close both my accounts ) notarized and paid {$50.00} for it. And it was for NOTHING,  apparently. Their instructions are useless and inconsistent ; one customer rep said one thing, the next one said another ; it 's never consistent and no one is taking a responsibility for it.
I have a secured credit card with Wells Fargo. I was renting a car with XXXX. I left my secured credit card as collateral there. When I paid with the car, however, I used my debit card. XXXX accidentally charged XXXX my credit and my debit card. They then reversed the charge on the credit card. Because this charge was over my limit, Wells Fargo closed the card and refused to reopen it even after XXXX admitted fault and reversed the charge. This has negatively affected my credit even though I did not authorize this charge to be made.
I mailed a certified debt validation letter to XXXX XXXX XXXX, XXXX on the behalf of their client XXXX XXXX XXXX, XXXX on XX/XX/XXXX. On XX/XX/XXXX, I never received a follow up response addressing the zombie debt with regard to the Pennsylvania Statue of Limitations.

XXXX XXXX XXXX stated in a letter that they were forwarded all concerns back to client and it is now XX/XX/XXXX and I have never heard nothing back from both companies who claim that I owe them money in excess of 43,000 in which a lien continues to be on my property.
My family and I have had the worst experience with Citibank that we have ever had with any bank or business. In XXXX, my elderly father went to his local NYC Citibank branch, with his XXXX, to put me and my sister on his bank account because he was XXXX and wanted us to manage his finances, pay his bills, and monitor his accounts to protect him from exploitation. He and his XXXX reported that the branch manager was extremely rude to my father - they both thought because of his age - but nevertheless Citibank received all the paperwork, including a power of attorney listing me and my sister, and said we would be put on his account. This never happened. I wrote to the Citibank manager repeatedly, expressing the urgency of the situation, I called and left messages dozens of times, as did my sister, and we could never get a response. My sister and I live in another state where there are no branches of Citibank, flying back and forth to help and care for our father was consuming and our top priority and we could not continue pouring our time and energy into banging our heads against Citibank 's brick wall. They never did put our names on his account or help him or us in any way. 
My father died in late XXXX of XXXX. We have submitted every single document they have requested, but they still refuse us access to his checking account so that we can pay his bills. Instead of being helpful when we are grieving, for almost four months now Citibank has been giving us the runaround. In XXXX, for example, they told me to fax XXXX more document to them and we would receive a check for the account balance within XXXX10 days. That was over two months ago, and we heard nothing. In desperation, I contacted their Executive Response Team, and have gotten the same runaround from them. They tell me to fax something to them, for instance, and I do. Then I hear nothing for awhile, and then get a phone call that the fax was not what they needed, they actually need something else. It 's a seemingly endless runaround. On XXXX XXXX I sent them, by certified mail, XXXX legal documents either XXXX of which they told me would suffice to release my father 's funds ( my sister and I are his sole heirs, and the amount in his checking account is not very large ). Since then I have heard nothing, and have been unable to reach them. It has become clear that this is a deliberate policy of giving customers false information and giving them the runaround so that they can hold onto customers ' funds, which is highly unethical if not illegal. I 'm sure they do not do this to wealthy, powerful XXXX XXXX customers ( my father lived in New York 's XXXX ), but if they treat enough regular customers like this, they can make a lot of money by holding customers ' funds hostage. I can not think of any other explanation for treating customers so badly. I 'm now turning, in desperation, to the Bureau of Consumer Financial Protection for help.
I recently reviewed my credit report and noticed an erroneous account being reported by XXXX XXXX XXXX to the Credit Bureaus. Knowing that I've never done business with XXXX XXXX XXXX this presented some red flags. I immediately sent a dispute letter via certified mail on XX/XX/XXXX, tacking # XXXX XXXX XXXX XXXX XXXX, requesting VALIDATION of the debt. I simply requested LVNV provide copies of any papers showing I AGREE to pay what they say I owe per the Fair Debt Collection Practices Act. The certified mail was delivered on XX/XX/XXXX @ XXXX. 

On XX/XX/XXXX I received a response from Resurgent Capital Services claiming to represent XXXX XXXX. In their response they claim the original creditor is XXXX XXXX XXXX and attached an account summary with alleged charges which they claim provides verification of debt. I have never done any business with XXXX XXXX XXXX. 

On XX/XX/XXXX I sent a follow up dispute letter via USPS to both XXXX and Resurgent, tracking # XXXX XXXX XXXX XXXX XXXX. The dispute letter arrived on XX/XX/XXXX. In that letter I stated that their response did not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Anyone can type up a fake statement and put your name on it. I am just asking for a signed contract proving I agree to pay or agreeing to enter into a contract with said party. I can guarantee there will be no such thing as I did not enter into any agreement with the bank. I have no problem making this a legal matter but would rather this get resolved outside of court. 

On XX/XX/XXXX a response was provided once again with NO VALIDATION of debt. I once again received fraudulent and erroneous statements claiming that I owe {$1100.00}. I am hoping this complaint will stop the illegal false reporting of debt that has affected my credit before I have to take legal action. Once litigation begins I will not settle outside of court. An example will be made of these criminals. 

I also sent dispute letters to the 3 credit bureaus. I have not heard anything back yet. I am hoping they find this reporting to be false and erroneous.
XXXX XXXX account application XXXXspelling wrong first name " XXXX '' address apt # wrong " XXXX '' hit my fido score on my credit report XX/XX/2015 sent letter XX/XX/2015 no reply. have never applied or contacted this bank. please help me!!!!
I had a collection balance on a XXXX XXXX loan for {$9200.00}. XXXX agreed to settle my remaining balance for one payment of {$2000.00}. I am attaching a copy of the settlement arrangement to this complaint. I paid the {$2000.00}. I am also attaching a copy of the XXXX XXXX money transfer. Despite paying the settlement arrangement, as agreed, XXXX XXXX  refuses to update my credit report appropriately. Its been nearly 4 months since the settlement arrangement was made and funded, and they are still reporting to XXXX, XXXX, and XXXX XXXX that I owe them {$9900.00}.
I am filing a complaint against Navient because I am stuck in my tracks, and do not know where to turn to. I need to reduce my monthly private student loan payment of over {$700.00} due to financial hardship, and have gotten nowhere with the Navient customer service line. Over the course of the past few months I have placed many calls, and the only guidance I have received is to request a forbearance, as I am ineligible for deferment. I will not accept that the only solution to paying off my loans is to continue tacking on insurance payments to the principle amount ( {$90000.00} when combined with my public loans ). It would simply be financially negligent if I were to do so, and if Navient were to allow ( promote! ) this. I am XXXX years old, have no credit, have a low income with no way to pay off this gigantic debt in my lifetime - sound reminiscent of the 2008 housing bubble? It sure does to me. 

I have requested a payment that allows me to meet my other necessary living expenses - via multiple customer representative phone lines and email contacts - time and time again. I am always provided with the same response : Call the main phone number. Request a forbearance. 

I can not get a clear answer on what other options are available from Navient, while I have heard of many people accomplishing a lowered monthly payment through unknown avenues. 

I have sent paystubs, budget information, and bank statements seeking an alternative repayment plan, and have been circled back to the " solution '' of forbearance each and every time, ensuring that I will be adding to my debt in perpetuity, while barely meeting the minimum payments to avoid defaulting. 

I am not asking for loan forgiveness. What I am requesting is a common-sense approach to repayment : income-based payments, graduated payments, etc. Not forbearance. Not accruing interest endlessly. If my requests for a reduced payment plan is not granted, I will be at risk of default. 
I need Navient to reply with real, genuine information and help, rather than suggesting I try talks with a stiffly scripted customer service phone line or email address that will return me to square one. I 've dealt with this too many times thus far. 

Education is supposed to be the bedrock of the American Dream - something that is meant to establish a level playing field, where every young person can begin his/her professional life on equal footing. 
These private student loan companies have cast the field at a 90 degree angle, and those of us who were not privileged enough to find ourselves with college funds are grasping desperately onto the edge, running the risk of falling off the field completely. 

I am XXXX years old. I am already in a lifetime of debt, and Navient 's only solution is to add onto that.
Experian is in violation of the Georgia Statute of limitations OCGA 9-3-24, OCGA 9-3-25 and FCRA. Experian is continuing to report debt with XXXX XXXX in the amount of {$300.00}. The mentioned debt is over 7 years old as of XX/XX/2017.
In XXXX XXXX sold my XXXX XXXX XXXX auto loan. Systems & Services Technologies , Inc ( SST ) manages all aspects of this loan and XXXX has no knowledge of any activities related to this loan. When I first received the notice of the sale, I realized my minimum monthly payment amount was not accurate. I notified SST about this error and was told it will be investigated. Their investigation did not uncover any error. I tried several times to resolve this matter, but I had no success. When my loan was with XXXX it was auto drafted from my account BIMONTHLY for {$150.00}. Therefore, I was paying {$300.00} per month when my minimum payment was {$280.00}. SST has my minimum payment set at $ 150 MONTHLY. My maturation date was XXXX XXXX, XXXX and SST is still attempting to collect payments despite the fact that I never missed a payment and I already reached my 75-months term. Still no one will look into this matter at SST or XXXX.
I have a Chase Mileage Plus Explorer Credit Card and have been a member for since XX/XX/XXXX. In XX/XX/XXXX, I was charged an annual fee of {$94.00}. I requested Chase refund the fee and close the account. They refused to refund the fee so I kept the account open and began to use the card. 

I have a {$25000.00} card limit. In XX/XX/XXXX, I charged about {$4000.00} on the card which was paid off via direct debit in full and on time. It was the first time I had ever used the card. Chase then subsequently cancelled my card for " rapid increase in revolving balance. '' ( Of course there was a rapid increase as I had never previously used the card. However, this cancellation seems unjustified as I used less than 20 % of my overall limit and retired the balance in full at the end of the month ). I contacted Chase requesting they either refund a pro-rata portion of the annual fee or reinstate my card but have been completely stone-walled by unempowered customer service representatives. 

Since XXXX, I have rung Chase 5 times and been referred to multiple different parties. I have also used their secure messaging facility and exchanged over 14 messages with them. All these contact mediums have done is refer me back and forth to one another. No single party is empowered to deal with this issue. I have also written to Chase Card Services, Executive Office, XXXX XXXX XXXX, XXXX, OH setting out my complaint. Not once, other than on the secure messaging site, has Chase ever contacted me about this matter. 
As I am overseas, I have repeatedly requested a call back on my overseas number or an email contact. There has been no response whatsoever.
I have complained to XXXX multiple times about a recurring charge of {$380.00} from XXXX on my account. The have sent me two new cards and reversed the charges but can not seem to be able or unwilling to stop the recurrent fraudulent charges. I have spent hours of my time resolving this monthly and wasted time on the phone with XXXX as well. 


XX/XX/XXXX {$650.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$380.00}
Received mail with name + XXXX on it and it was from Chase. Some applied for an XXXX XXXX with my address. Chase has been doing this for the last year, now that it has come to my attention.
After applying for a credit card with JPMorgan Chase, Chase decided to shut down all of my personal and business credit cards without notice. When I finally logged into my account, I saw that all of my credit cards were closed. I had been a customer with Chase for over 10 years now. I immediately called to ask why this had happened. I spoke with two customer service representatives and they both informed me that the reason was " I had opened too many credit cards in the past year. '' After explaining to them that I needed them to go on an oversees trip back home to XXXX, neither the customer service representatives budged on the issue and said that the shutdown was final. They mentioned that I was considered a " risk '' for defaulting with such a high credit limit even though I have a XXXX FICO credit score and have never missed a payment in my life. I eventually was able to convince one of the representatives to file a motion to reconsider. I was told I'd be notified via mail in 10 business days. Nothing happened and my account was not reinstated. I have attempted to try all reasonable avenues to resolve my problem and it seems that I'm at my wits end so the only recourse is the CFPB
I PURCHASED XXXX XXXX IN XX/XX/XXXX AND THE CREDIT LISTING REPORTS 1 ( 30 ) DAY LATE PAYMENT ON CREDIT REPORT IN XX/XX/XXXX. HOWEVER, XXXX LISTS LATE PAYMENT AS XX/XX/XXXX ... .I HAVE SIGNED DOCUMENTATION TO SUPPORT PURCHASE OF VEHICLE XX/XX/XXXX ( ATTACHMENT ) ; I ALSO WAS ON AUTO PAYMENT FROM IMMEDIATE PURCHASE. I NEED LATE PAYMENT ( S ) REMOVED AS IT IS INACCURATE.
My car was declared a total loss and XXXX paid off most of the balance but left {$900.00} balance owing. I purchased GAP Insurance from this lender when I bought the car to cover in case something like this happened. They refused for 3 months to file the GAP claim and waited until {$2000.00} in fees and interest had accrued to file the claim. By this time they filed the claim only after I threatened to file a claim with the AZ Attorney General Office. The GAP coverage only covered the original balance and not all of the interest and penalties that has accrued. They immediately filed a claim in small claims court for the balance which I paid within 10 days. This company has poor business practices and are selling GAP policies that they have no intention of using and driving up interest and penalties to get more money out of their clients. They should not be allowed to do business and take advantage of people like this. They have now placed my account as a charge-off on my credit report and refuse to take it off. Please help me get this taken off.
I have submitted an identity theft block to  XXXX , Equifax, and     XXXX   XXXX   .  I faxed and sent certified mail the complaint, affidavit, rules, and letter requesting to block the account associated with the identity theft. All   XXXX   credit reporting bureaus have refused to block it
Following was the sequence of events that happened to me with a purchase from XX/XX/XXXX Day after XXXX, opened a Red card from Target with purchase of XXXX dollars. Do not remember signing up for paperless statements, but I missed the XXXX statement, their rep called me on XXXX XXXX, I asked for a waiver on late fee, and they agreed to it, I wanted to pay it off in full. Since I was driving when she called did not remember the original amount, I just asked for full payoff amount which was she said was XXXX dollars, but she gave me minimum amount due. For next XXXX months I did not get any bill in emails or hard copy. I got call from collection agency in XXXX, that I owe XXXX dollars. Most of which are late fee. Now when I am disputing that I asked for full payment in XXXX, they are saying that it is only minimum payment, when I ask for voice recording, they said they can not provide. Since our agreement was only verbal, that is the only proof I have. Are there any other options for me apart from paying XXXX dollars which I think is totally not fair. 

Thanks
I just came back from XXXX in the middle of XX/XX/XXXX. While gone I changed my service provide to a new provider. XXXX was supposed to provide me with a final bill so that I could pass on to my new service provider and get credit for the devices that I own. XXXX  final bill was not correct causing me to forfeit the credits that I would receive from my new service provider. I attempted to contact XXXX starting in mid XX/XX/XXXX on a weekly basis trying to arrange payment arrangements or any other kind of arrangement to satisfy my arrangement to XXXX. XXXX refused to correct my final bill that would allow me to receive the credit owed to me by my new service provider. I attempted to resolve the debt with XXXX. I am unable to pay {$2300.00} all at once. Today I was told that I was referred to a collection agency and XXXX would not accept any kind of payment but the full payment. They also told me that in one week from today I will be referred to a collection agency. I have a security clearance and I cant do that. I also dont have {$2300.00} to give to them. I am prepared to send back the equipment they are charging me for or any other method of trying to resolve this issue. I was referred to a collection agency, XXXX XXXX, and they did not offer any resolution. I have tried for the past year to work with XXXX to get my final bill corrected and they tell me because I didn't notify them that I was changing wireless network providers that they can not help me at all. I actually did call and tell XXXX that I was cancelling the service with them and they offered no help in transition. A year later and now they have a new collection agency, Virtuoso Group, hired to attempt collecting this unfair debt caused by XXXX 's clerical error. I still do not have the money promised to me by my new service provider, XXXX, because of XXXX 's clerical error on my final bill. The clerical error is that the device ( phone ) serial numbers were not correctly matched to my phone numbers. For example : my sons device ( phone ) was listed incorrectly as my phone number and vice-versa.
I was told the account would have checks provided when I opened it and they were never sent. I called to get later and they said it would be {$17.00} for checks.
Ocwen has made my experience with them terrible. I went from a 2.99 interest rate and out of know where it increased to 6.74 %. I have tried to refinance my rental property with my bank but due to the property not worth what I purchased it for I do not have enough equity in the property. Ocwen talked me through trying to get a modification this process took six months and I received a denial. A 6.74 they have me trapped in is unethical.
American Express is not allowing me to make payments to my account. When I have asked why, I have been told XXXX separate things by different chat representatives:1. That there is a thirty day hold after you make your first payment from a new bank account. This is not true, because I have made XXXX payments so far from that account. 
2. That you can only make a payment up to your current statement balance. This is not true, because I have already made a larger payment than my current statement balance. 
3. That the system sometimes will not allow payments but there 's no reason to explain why. 

I am disappointed that these XXXX explanations contradict each other, and that none of these were explained in my cardmember agreement.
My problem is with Stellar Recovery,  XXXX , MT In th  e last year, I disputed and had removed, an old collection account they had inserted in my credit report with  XXXX  of the  XXXX  credit reporting agencies.
In the last 30 days, the item that had preciously been delete  d suddenly was re-inserted again and showed up in my   XXXX   and   XXXX   credit reports.     I did not receive any notification of this action or a chance to dispute said item.   I immediately initiated a dispute with both reporting agencies.     It is my understanding that re-insertion of an already deleted item is counter to the existing consumer laws and that at least, they must removed it immediately, and at   best, I may be entitled to compensation for the breach.
I would like to register a formal complain against Stellar Recovery for their recent a  ctions