WillisBack/dataset-financial-user-claim huggingface dataset:
I opened saving and checking accounts with Chase Bank and have been with them since XX/XX/XXXX or so. At that time, I just did not know that there would be a service fee charge if my saving account drops to less than the amount that they set up. I discovered that I was charged {$20.00} first time in XX/XX/XXXX. I reported to the XXXX and was told that my account is required to maintain a minimum amount to avoid the service fee. I asked for them to reverse the fee and change my account to basic. I told them that it will be very difficult for me to maintain that number. I did not even remember that I opened the account like that. I opted out the paper bank statement as to be green and am afraid of losing the statements to someone. I had never checked the saving account again after XX/XX/XXXX, as I thought that everything was taken care of and that there will not be any more service fees since my account should be basic. It seems rather counter-intuitive that people would ever be charged a fee on a savings account, which makes money for the bank. I was wrong. On Sunday XX/XX/XXXX, I happened to look and found that I was charged the {$20.00} service fee each month since XX/XX/XXXX. But, Chase never notified or contacted me about the initiation of the service fees on my account. The total amount came out to {$420.00}. On Monday XX/XX/XXXX, I went to one of the branches on XXXX XXXX. After patiently waiting over 40 minutes, a banker checked and told me that he could only remove this years charges because that was all he could see in the system, and that all the system allows him to do. He suggested me to talk to the branch manager in the next day from XXXX XXXX to XXXX XXXX -- which is her working time. He told me that I could call and did not need to come in person. I placed a call several times in on the next day. I was hung up or disconnected while waiting on the line once -- and for others calls I got messages that the bank personnel are busy! I, then, placed a call to the XXXX again and was told that they could not do anything, but offered another {$20.00}. I demanded to have my money back. She told me that I needed to go to the branch where I opened the account. On Wednesday XX/XX/XXXX, I went to the XXXX XXXX branch. With the help of the banker, I got to talk to the branch manager. I was told that she could only give me {$60.00}. She told me to call back to the XXXX number again and asked for the Complaint Department. And I did. I was routed to several people. Finally, a lady said she was a supervisor. First, she told me that she would be able to refund back {$20.00} to me. I explained to her that I reported this issue upon my first contact in XX/XX/XXXX. I trusted that XXXX as they are a big bank. I did not think that I would be robbed by my own bank. To make my story short, I told this supervisor that I would pursue a way to report this issue to the media. She told me to wait a few minutes. She came back with an offer to refund {$120.00}. I checked my account on XX/XX/XXXX. As they said, they reverse {$60.00} and {$120.00} back to my account. The total amount is {$260.00}. But I still lose the {$160.00} for putting my saving in the bank!
Paid my bill in full before the due date, got charged a finance charge of XXXX, called Capital One 6+ times got a different excuse for being charged, asked to speak to a manager was denied to speak to a mgr, told they dont have phones, they only do admin work, they dont take calls and so on,
I have a levy that was charged agents me back in 2012. I am currently collecting XXXX and XXXX. My bank has taken the levy out on the child support both are direct deposit. They have said that the XXXX is the only money they can not withhold from the levy. I have done some research and it seems that they ca n't levy either. What can I do to get the money back that they have already levied and prevent this from continuing?
Chase Bank did a revamp of their online banking website. It is dysfunctional. I went online to pay my bills and was shocked to find the new site and some sections not operational. My Bill Pay was completed XXXX up. I complained in several emails. The site looks like an app not a banking site. I told them XXXX XXXX XXXX did a better job. I complained bitterly. I told them I was walking out the door to find another bank. They escalated this email to Homeland Security. How do I know? I received a phone call immediately thereafter from XXXX XXXX. I did not answer the call. My cell phone was hacked and inoperational. My computers also show evidence. So, we can no longer complain, correct? About anything. If we do, we are turned over as threats, punishment by the institutions we use.
The information submitted by XXXX XXXX and XXXX Bank as shown from captures of my credit report are incorrect. They incorrectly reported a delinquencies on my XXXX credit bureau reports. I have submitted my dispute with Experian, Equifax and XXXX and am looking for an urgent timely response. The payment for the credit card was made on time, any delay and lack of accurate report is caused by XXXX XXXX. They asked that I get this resolved by contacting the credit reporting bureaus directly. XXXX Bank is unable to verify the delinquency. 

Please refer to the captures uploaded as images for information.
I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$900.00}. APR is 670 % with a total finance charge of {$2700.00} over the life of the loan. Semi monthly payments of {$280.00} began on XX/XX/XXXX. Most recent payment made was XX/XX/XXXX and the last payment is scheduled for XX/XX/XXXX. Payments are being debited from my XXXX XXXX checking account via ACH. I would like to know if I am within my legal rights to rescind my authorization for ACH debits and to place a stop-payment with XXXX XXXX. If I do this, I don't believe that XXXX XXXX can legally still collect in Florida since they are governed by a Tribal Lending Authority in  another state. Loan agreement is attached.
I 'm XXXX, you used The CBE group to take my XXXX away to pay whatever. I used to live on {$XXXX} a month, you are taking {$300.00} away from My XXXX. I ca n't live on so little. Please forgive what you think I owe. I 'm dying. I sent XXXX letters of hardship, no one even looked at them. Is it ok, to kill me? Why do you have outside company 's like CBE and now another to do harm to me.
I 'm just not sure Seterus really understands my position in their claiming to be the new servicer of my loan. 1 ) I have not received notification or any communication from the owner of the loan which to me provided the proper 'authorization ' to then begin working with me ... 2 ) Because of # 1, Seterus continues to do nothing but harass me because of 3 ) I have notified Seterus that the information they have is incorrect and if they look closely, they can get a sense of what I am stating is true. a ) I have stated XXXX had my insurance information and it 's all documented with the CFPB, would one really lie about 'documentation ' when obviously that whole point in stating that is because it can be pulled up ...??? b ) I have mentioned the balance otherwise being incorrect partly because XXXX was not applying payments properly. Obviously Seterus has my payment history and clearly they can see payments were being made twice a month but only posted later in the month and common sense tells you I was paying like that for a reason and that reason which is very common in mortgages is to pay the loan down more quickly, not to give the bank money ahead of time for them to use as they wish ... c ) the balance also was not correct due to some fees that were charged and Seterus can see those fees in those records as well. 

It 's not up to me to have Seterus be judge and jury ( they asked for all this documentation ), it is for XXXX and XXXX to work this out but XXXX XXXX XXXX has refused to look at the history of my correspondence even though I 've told them numerous times exactly when the insurance information was provided ... I 've tried to contact Fannie Mae and no response from them. Based on this, Seterus needs to tell someone that these issues need to be worked out before resuming with this account. At this point it 's a bad account and for no other reason than that Seterus does not have the correct information, Seterus seemingly refuses to accept the information is wrong but at least in my opinion Seterus is digging a pretty deep hole by continuing to harass me and threatening foreclosure ...
Hello, My name is XXXX, I have been a discover card member for several years. During my years with discover I had several financial struggles which led to the misuse of my credit card. I recently graduated from college in XX/XX/XXXX, and I paid off my remaining balance as soon as I got a stable job. I am writing this letter to ask if it would be possible to remove the two 30 day missed payments in XXXX and XX/XX/XXXX that I acquired during my time with discover. My goal was to pay off this card and I did. I would really like it if you could remove these two late payments. I am currently working on improving my credit score by paying off the debts that I acquire during college. I plan on going to grad school in a couple of years and I need to improve my credit to obtain loans. I am asking if it is in any way possible to remove those 2 missed 30 day payments. 
Thank you for your time, XXXX XXXX
I have XXXX issues with Springleaf Financial. First issue, I am not receiving statements from this company, they state that statements are a courtesy to the customer. They reported me 60 days late last month after I supposed did not make payments on the account. Which is ridiculous, why would I be late on a loan after building a relationship with this company for over 10 years? 

I believe the reason, that I am not getting statements is that the branch manager, XXXX XXXX, is discriminating against me is because I filed a complaint with the FTC this year, when her employees would not stop calling me at work. I have cell phone records and emails where I told her employees not to call me during my work hours. 

There was no reason that they could not call me on late evenings at Springleaf and tell me that my payment was due. I would also like to add that for the majority of this loan, I have paid additional on my monthly payments. On at least, XXXX they have misapplied my payments.
THIS ACCOUNT FROM XXXX ACC # XXXX, IS REPORTING ONE LATE FROM XX/XX/2014 TO THE CREDIT BUREAUS WHICH I BELIEVE THAT NEVER HAPPENED, IT MUST HAVE BEEN A BANKING ERROR, PLEASE HELP ME TO RESOLVE THIS SINCE THEY ARE NOT WILLING TO REMOVE THIS ALTHOUGH I HAVE PROVIDED THE CREDITORS APPROVAL LETTER TO THEM FOR APPROVAL TO REMOVE THE LATE PAYMENT INACCURACY. 
PLEASE FIND ATTACHED THE CREDITORS LETTER THANK YOU
I want to file a complaint on Seterus regarding in saving my home. Just for Seterus allowed my home to be sold right from up under me. Here is the events that I took to save my home : On XXXX XXXX, XXXX I made every effort to comply : XXXX The process was done with the assistance of XXXX XXXX XXXX XXXX HUD approved XXXX XXXX XXXX. 

XXXX Was told by Seterus my name was not on account as a co-borrower. 
XXXX Was told to go to Probate & get fiduciary letter. When I did XXXX days later paying {$170.00} plus {$12.00} for printing. This had to be signed by my daughters. 

XXXX Paperwork was submitted along with XXXX form, Taxes again with signatures and bank statements. 

XXXX Follow-up with Seterus per any other documents needed they sent a new XXXX ( with check bot ) and they wanted a new XXXX award letter & retirement. 

XXXX Faxed over re-requested documents ( was told will make sure F/C date was noted ). 

XXXX Follow-up spoke to XXXX XXXX she assured all documents in was being escalated to push back F/C sale date. Asked that I call on XXXX for follow-up Stated the fil was in review received letter that all documents in and was being reviewed. 

XXXX Follow-up with Seterus file in review I received a letter stating all documents was in and in review. 

XXXX Received a letter saying that my property was sold on XXXX/XXXX/XXXX I made every effort, complied with all that was asked of me WHAT HAPPENED!!! Why now was my name an issue? I was allowed to repayment plan in XXXX - again way was my home sold and I did everything in my power to comply. For the past four years I have had to deal with the loss of my husband, my health and among other things I 'm trying so hard to keep what I worked so hard for so my children can have a place to come to. 
I am a XXXX year old woman with health problems I XXXX. I have been so stressed out and frustrated over this whole ordeal that I feel like there nothing else for me to do. I thought that you were supposed to help your customers not rob them from their home. I and my husband worked hard to purchase the house we would spend the rest of our lives in only for it to be snatched right from under me. I simply do n't understand that at all. What happened to nice America is it gone it is ashamed that I have had to go through this ordeal to approve or try to save my home. I feel at this point you were never was out to help me to save my home but just to sit me out doors in the streets. All I 'm asking if you could work with me on this matter of saving my home.
There are 3 collections attached to my credit report for medical and I have tried to get them off for years sometimes they will come off for a month or so and then they re appear when talking to the collections company they can not provide any information at all about what it is and why they say they are old and they dont have access to the information.
ERC a debt collection company is attempting to collect an old debt on behalf of XXXX or for their own profit with an origination date in excess of 7 years. As an example XXXX  collections shows an open date of XX/XX/2016. 
ERC has placed debt collections information on my credit report that negatively effects my score. ERC has mailed to my home address attempts to collect this old debt and threatened " unless you dispute the validity of the debt, or any portion thereof, within thirty ( 30 ) days after your receipt of this notice, the debt will be assumed to be valid by us. '' Not only must  ERC stop their open ended threats of assumed debt, ERC must remove the long overdue removal of this debt from my credit information. ERC must stop collection attempts and stop continued efforts to re-new this old debt.
I have requested the following documentations from PHH Mortgage Corporation XXXX time and as today I have not heard anything. This is regarding the denial of my loan modification. 
PHH stated that I was denied a loan modification because of the investor guidelines, XXXX XXXX enclosed. XXXX XXXX stated they are not the investor enclosed. XXXX XXXX XXXX posted a Notice of Trustee 's Sale on my front door set for XXXX/XXXX/2015. XXXX also stated they have nothing to do with my loan. All I 'm asking, is for PHH to provide me with the following information. 

Copy of the Note The Recorded Name on the Deed of Trust Any Assignment Notice of Trustee Sale for XXXX XXXX, 2015. XXXX XXXX XXXX Investor All Evidence Required to Demonstrate the Right to Foreclose The letter Fair Debt Collection Practice Act ( FDCPA ) The Wet Signature because of Robo signing Explain Securitized Loan Explain Mortgage Electronic Registration System ( MERS ) Time is of the essence, please reply promptly. 
Thank youXXXX XXXX XXXX
I have paid over {$1200.00} for a {$450.00} loan. They continue to call my numb er 5-6 times a day. Hang up  over and over. Call my place of employment over and over. Threaten to take legal action. This loan has been paid, more than in full. I would like the calls to stop and the debt to be placed at {$0.00} as it has been paid.
XXXX XXXX XXXX and XXXX XXXX XXXX were the mortgage holders for my loan. I have a previous complaint against them ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments.
I was under a vehicle lease agreement with GM financial for a XXXX XXXX Pickup Truck. All monthly payments were paid in full on time for the first 36 months, up until XX/XX/2018 when a clerical/technical error in the GM payment system stopped my payments from being withdrawn from my account. 

This resulted in two months of missed payments ( {$530.00} ), however GM Financial claims to have called a phone number regarding this situation that was no longer associated with me. No notification was given via alternative phone numbers or numerous email addresses associated with the account until XX/XX/2018. At that time, immediate action was done on my part to pay the outstanding balance in full. 

I then learned that my account was reported to the credit agencies as a delinquent account. I disputed this with GM Financial, they acknowledged that the notifications were sent to a phone number that was no longer connected to me and that no other forms of communication regarding the ceased payments through the GM Financial system. They also acknowledged that the payment was received promptly once I was properly notified, however they would not rescind the notification to the credit agencies. 

I was told that they ( 1 ) refused to investigate the issue within the GM Financial payment system, ( 2 ) would not revoke the delinquent notice to the credit agencies, and that no further action would be taken by GM Financial.
Have been disputing incorrect information on my equifax credit report. I received an e-mail stating the investigation was done and it meets the fcra. This is absolutely untrue as I was told an investigation could take up to 30 days. I received a reponse within 1 week. This incorrect information is hurting my credit score and affecting me from obtaining credit. I called to re-dispute the wrong information and was told I am not able to re-dispute information again. This is ridicilious. I have XXXX items on my report that are a result of someone using my information and all equifax keeps doing is updating the wrong information every month. I am being penalized for something I did not do. I am complaining because they ( equifax ) is doing nothing to correct my report. I have also supplied equifax with letters from the creditors ( XXXX ) for my XXXX account and they still did not correct the information and put these accounts in the satisfactory part of my report as the letter states I have never been late with payments and the information should be updated. Equifax refused the letters that came directly from the originial creditor. Unbelievable
I had a party added to my account without my authorization. The party was added and logged under the banks system in XX/XX/2003 but this was not physically possible. The bank claims that I signed a blank form and that provides authorization. This 3rd party has a bank levy that 's impacting my accounts as well for a debt that I do n't owe. The bank refuses to remove the 3rd party without his signature but added his name without my authorization
I have been residing at my home for at lease 10 or 11 years and never file an insurance Claim welsfargo is my home mortgage Loan Bank I 've made an insurance claim due to Hail Damage on Roof XX/XX/2016 I received a Check from XXXX XXXX XXXX XXXX made out to me and Welsfargo For the replacement of Roof and other damages I personally went to the Bank to have check endorsed to me and was told that they could n't cuz I was behind on my mortgage payments And wants me to contact A Roofing company so that they can endorse the Check to them!! I am a XXXX and if I got behind on my mortgage was cuz of Personal Issues I an currently all caught up on my Mortgage I was told by my Boss that since it was my House that I can request to be a Self Contractor and that I can Repair the Roof nd Damage I contacted the Property loss Dept at XXXX for A faster Resolution to Be A Self Contractor on XX/XX/2016 and was told to Fax them a written letter with my request on That same day XXXX fax them my written notice I Was told that I would have a response in XXXX or 4 Days finally on XX/XX/2016 I called them Back and was told I was n't approved and without an explanation As why I was n't approve as a Self Contractor please Help me with this Situation!!
Repeatedly called my elderly parents, employer and me saying they were going to legally serve me but refused to give out any information when I call to ask to stop they hang up on me are menacing, mean and make false statements. 

Number they left is ( XXXX ) XXXX
After having a substantial relationship with Bank of America, I got a notice they have decided to close my account and gave me no reason whatsoever. I had  one is sue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.