WillisBack/dataset-financial-user-claim huggingface dataset:
I called the local branch on  XXXX / XXXX / XXXX  and explained that the account was closed in  XXXX   XXXX  and the lien was never released and has actually been renewed. The branch told me to call the  XXXX  number. I called the  XXXX  and after a lengthy hold, spoke with  XXXX  and was told the account is closed and the branch is handling the line of credit now. I asked how can the branch handle the account if it is closed. It was closed on  XXXX   XXXX ,  XXXX  ( I have a letter ) and the lien was never released, it was renewed.  XXXX  said the account is closed it should n't matter. It does matter, it affects our credit and our ability to get a line of credit at another bank. The new bank is questioning why th e Chase  line of credit is still open! Chase is renewing a lien on assets that they do n't have a right to lien as we DO NOT HAVE A LOAN AT  CHASE.  Please help.
REFERENCE TO CASES : CFPB Case # : XXXX, XXXX, and XXXX As of XXXX/XXXX/2016, I still have not received a total of {$2100.00} deposited at a Chase ATM on XXXX/XXXX/2016 in my Chase account. This was due to the fatal technical problems from a Chase ATM machine malfunctioned on XXXX/XXXX/2016 during my deposit, please see the letters attached from Chase Bank and the cases that I reported at CFPB previously in the months of XXXX and XXXX XXXX XXXX, XXXX, and XXXX ). Thus, I was not able to receive the XXXX rent from my tenant. The check sender, my tenant, informed me on XXXX/XXXX/2016 that her XXXX Bank account was hacked on XXXX/XXXX/2016 after Chase Bank deposited the {$2100.00} check on XXXX/XXXX/2016. As of XXXX/XXXX/2016, per my tenant, the funds in a total amount of {$2100.00} still has NOT recovered at my tenant 's XXXX Bank, and thus I have not received my XXXX rent in a total amount of {$2100.00} from my tenant. With a successful deposit at Chase on XXXX/XXXX/2016, I would NOT experience such painful problems for months. This could be proved easily from my Chase Plus Savings account ending in XXXX over the past three years as a tracking record/history that can be verified. This is the first time and hopefully the last time that I experience this painful ATM Technical issues. It raise red flags for me to ever use Chase ATM to deposit once again. All of the deposits ( both teller and ATM deposits ) went successfully except the XXXX check {$2100.00} deposited on XXXX/XXXX/2016 with a malfunctioned Chase ATM that cause horrible experience for me. 

Overall, I am dissatisfied with Chase Bank on handling this matter that indeed caused tremendous ripple-effect problems due to the root cause of Chase ATM malfunctioned occurred on XXXX/XXXX/2016. Chase Bank has not resolved the issue completely as I still have not received the fund on XXXX/XXXX/2016. Chase Bank closed the case and refused to continue to help. The Chase Branch where the ATM located was not helpful at all from the employees and Branch Manager since XXXX/XXXX/2016. I urge Chase Bank to reopen this case and be responsible for this incident until it is resolved 100 %. Otherwise, I consider Chase Bank is irresponsible and CFPB should make every efforts to work with Chase Bank to resolve this issue at a satisfactory level in a timely manner. As it currently stands, it is at unsatisfactory level from JP Morgan Chase. I am totally disappointed and the CEO of Chase should be informed immediately about my dissatisfaction on how the matter was handled by JP Morgan Chase Bank - it is incomplete and the case was closed and Chase refused to continue helping me as their customer to recover {$2100.00} fund due to the original issue was caused by the CHASE ATM. JP Morgan Chase Bank should be responsible for this loss and reopen the case!
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. I am doing this on my own behalf.
I am attaching a dispute with National Recovery Agency. I disputed this claim with XXXX and it has been deleted from my XXXX credit report. National Recovery Agency should IMMEDIATELY remove any and all derogatory marks that have placed on my credit score with other credit bureaus. 

I have attached a copy of the deletion dispute from XXXX to this complaint.
I was a victim of a fraud scam that occurred on XX/XX/2018. 
The scam involved me sending an unknown recipient money via the XXXX app associated with my XXXX checking account. A total of {$830.00} was lost to the scammer. 
At the time, I had a balance of {$0.00} in my XXXX account because I had moved to a new location that didnt have any XXXX banks and therefore transferred all of my money to a different bank. 
The scammer sent me a bad check for {$1300.00}. I cashed it at XXXX. The {$1300.00} showed up in my account. I then sent {$830.00} of that money to the same person. Then the check came back as bad and I was left with a negative - {$830.00} balance in my XXXX bank account. 

I reported the incident to my bank, XXXX. I also filed a police report. 
XXXX sent me a letter in the mail saying that my situation was not considered valid as fraud and they would not be paying the - {$830.00} balance in my account. They also charged me tons of late fees on the negative balance and then, after two weeks, closed the account. Blacklisting me from opening up any new bank accounts with anyone else in the future. 
During a phone conversation with a XXXX Escalation manager, I asked why my situation was not considered a valid fraud and was told theres no way we can prove that you didnt just send the money to a friend. This is a lesson you need to learn. Its only {$830.00}, you can make payments on it. We cant make an exception for you because if we did, the feds would come after us. We cant make an exception for you because if we did, youd go and tell all your friends about it, theyd try to get away with the same thing and we would go bankrupt. 

The man I spoke to said I dont think anyone at XXXX would believe you were trying to scam us out of money. But theres no protection for this. Its a very common scam that happens to hundreds of people a day. 

My complaint with XXXX and XXXX, Which is the app that was used to send the money, is that there were no protections in place for this very common type of fraud. Why was a {$1300.00} check cleared that later determined to be bad? 
Why was a transaction of {$830.00} allowed to go out from an account that had no money in it and why wasnt I alerted? If this scam is as common as I was told it is, why arent there protections in place by both the bank and XXXX? 
People put their money in banks to keep it safe. And banks are using a money transfer service that has less buyer protection than XXXX. I would have better safety making my transactions on my own.
My husband and I got a mortgage loan from Beneficial Mortgage Company XX/XX/XXXX. We bought credit life insurance coverage and have been paying a monthly premium for the insurance coverage since then. My husband died XX/XX/XXXX. I told Beneficial about this repeatedly and demanded information about the policy but they ignore me.
There is an address on my credit report that was reported on XX/XX/XXXX. I have lived at my residence since XX/XX/XXXX and still to this date. I can prove. If you can please check or remove this address it is not my residence. Thank you in advance.
XXXX XXXX I sold Ethereum, Litecoin, and Bitcoin for USD to be wired into my US bank account via the company Coinbase (www.coinbase.com). There was a statement saying there was a delay in withdrawals and it could take up to 10 business days to receive my money. It is now XXXX XXXX, and I still have not received my money. The status on coinbase for these transactions says "complete", however no money has been received. Created a support ticket with coinbase XXXX XXXX, and have not heard back yet.XXXX Bitcoin sold for XXXX USD. Coinbase reference code - XXXXXXXX Ethereum sold for XXXX USD. Coinbase reference code - XXXXXXXX Litecoin sold for XXXX USD. Coinbase reference code - XXXXThese should come in as 3 separate direct deposits for a grand total of XXXX.
On XX/XX/18 I filed a complaint # XXXX, and it was removed from my XXXX  reporting as this was a credit check for a credit card for XXXX without my consent or knowledge. Using a very old address, a clear indication of Identity Theft. 

Now the same exact reporting is showing on my Transunion credit report and also needs removed. See attached images below.
I have XXXX accounts on my credit report. I was never notified of debt prior to posting to credit report. I have filed complaints against both company 's. XXXX XXXX and XXXX should be deleted to my credit report.
I have had this credit card for 8 years. I maxed out the balance at {$2200.00}. Each time I paid down over {$100.00} I called to decrease the available balance. I lowered it to {$1100.00} and have been making payments regularly. 
I received a letter stating that they were not going to renew my card.

After speaking to customer service I found out that it was because my credit score had gone down. Even though I was never late on this card they still closed it.

Now my credit score will go down even more.

I think this is unfair.
This is a follow up, with additional information, to Case number : XXXX In the original complaint, I stated that I was reapplying for the line of credit ( per US Bank 's instructions ), so that my interest rate would be based on the correct credit score. However, I received a piece of mail from US Bank today reflecting the credit score used for the reapplication. It reflected it at XXXX credit score as of XXXX/XXXX/16. However, I now have proof from XXXX that my credit score was XXXX as of XXXX/XXXX/16. While I was trying to give them the benefit of the doubt in the first place, it now seems that they 're systematically shaving XXXX points off my credit score prior to determining the rate. This is absolutely ridiculous, and I 've now spent hours on the phone trying to get some resolution. US Bank barely even seems to be able to understand the problem, let along who can or how to fix it. Please see attached documents.
I currently have a payment agreement with district courts in Michigan of {$40.00} a month with XXXX XXXX. They are reporting incorrectly that I have missed a payment and my balance has increase {$75.00} dollars and has listed this account as a collection account in the remarks when it is PAID AS AGREED. They have been paid each month as our agreement yet continues reporting inaccurately.
I wanted to pay my XXXX XXXX online and I entered my bank info, and received a message that Telecheck could not process my payment I called the number for Telecheck and there is no option or agent to talk to so I can find out why my bank account info will not go through.
Transunion had a glitch and violated the rights of the consumers such as myself under section 6.11. As a result I, have been gravely affected and my score is suffering as a result. No notice was ever given which is a violation and I am requesting that all inquires be removed.
I had worked it out and based on my income ( {$0.00} currently unemployed ) I did n't have any payment but suddenly that changed even though I complied with everything I was told to do
I called my bank to inquiry about a repeat home equity loan, the loan  officer tried to take an application over the phone, but I explained I was not ready for that yet. She ( loan officer ) asked me to email her income documents of a secure nature. My wife said that email was not secure and that I should take them to her. She ( loan officer ) insisted that her customers do this all the time but my wife said no and I should bring to the office or fax them in. The loan officer insisted that I give her an a pplication but I told her I wanted to come into the office on Monday and we could do it then. I am  XXXX  and my wife said I should go in to their office to handle this kind of business. My call was simply an inquiry about their guidance and the fact that I had a previous loan with them. The loan officer said she had an apointment at  XXXX , so I went early as soon as they opened to talk to her. When I arrived Monday, they told me they ran my credit. I did not give them permission to run my credit. I am very upset about this violation of my privacy. She said I was lat e 13 times on my previous loan with them, but my credit report shows that I paid as agreed. After my wife called the branch manager to complain about the gros s negligence and violation of my privacy. I began to get calls for a conditional loan approval of a loan I have not filled out an application for.
I gained my first private student loan with XXXX ( now navient ). As a XXXX I was unaware of the troubles that I would encounter once I have received a degree and entered the working world where XXXX/Navient would begin to terrorize me financially. Since my loans have been in repayment I have not been able to make the payments due to the amounts on the loans being so high and my income being so low. Navient has proposed options that are n't near suitable for me to maintain with the tightest budget. Even in light of my current income they are still expecting me to pay beyond XXXX $ a month ( IMPOSSIBLE ). When attempting to work out other options with them based on my income they were still asking XXXX $ XXXX $ a month ( STILL IMPOSSIBLE ). Alongside of the harassing phone calls and threatening letters, the customer service is terrible and they show no empathy at all. i.e. a customer service agent called me broke because I could not fit the extremely high repayment " option into my budget ''. Long story short I have worked hard to maintain good credit in effort to put my family in a home and live comfortable, however I am unable to do so due to this monster called NAVIENT. ... ... ... They are not flexible and do not really provide " options '' for repayment. I 'M SURE THEY ARE NOT ONLY RUINING MY LIFE, BUT ALSO MILLIONS OF LIVES ACROSS THE COUNTRY
I am a long term customer of Wells Fargo. Always make payments on time. My XX/XX/XXXX payment was short by {$40.00} as my school tax bill had a significant increase, which got by me. I immediately went to the branch to deposit the funds along with my XX/XX/XXXX payment. They agreed ... because I am a good customer to waive the penalty fee, but not the " insufficient fund fee ''. I am set up for auto pay out of my checking account for the XXXX of every month. I was told by the branch the account was brought up to date and all is well. I started getting phone calls about XX/XX/XXXX and XX/XX/XXXX payments still outstanding after the XX/XX/XXXX. I asked why they did n't withdrawal it from my checking account. I spoke to about XXXX people assuring me they understood and would fix the problem, but when I would ask for a confirmation number, they would not give me XXXX. I finally spoke to someone in customer service and was told my auto pay was shut down. I asked why would you do that, because that makes it hard to get my payment. Because the XX/XX/XXXX payment was late they closed my auto pay down. I am structured for a XXXX of the month withdrawal, I received a letter dated XXXX XXXX, physically received it on XX/XX/XXXX I had no idea they would shut me down, and I made my deposits, in good faith, that the funds would be withdrawn. They are charging me penalty fees and will not remove them. I feel as though a disclosure letter before XX/XX/XXXX should have been issued so I would have a heads up? The branch does not work cohesively with the call centers. They tell me everything is fine, when in fact it was n't. The servicing end at Wells Fargo is horrendous. Their recovery department is demoralizing and patronizing. As I said I am a long term customer with good history, I faltered honestly and I feel as though they essentially prevented me from making my payment and bringing the account up to date. I am reporting this to the CFPB in hopes that they agree a timely disclosure was not issued by Wells Fargo, to the customer, ( me ) informing me my auto pay was no longer in place. I thank you in advance for any courtesies you could extend to me regarding this matter. Basically, it was like a " runaway train '' I could n't catch up to, no matter how hard I tried. And believe me, I tried. Thanks again.
With the following statement and attached documents I want to show an error in the Outstanding Principal Balance of my mortgage loan. 

My original loan mortgage amount is {$160000.00}. As for ( XX/XX/XXXX), I  made a total of 14 regular monthly mortgage loan payments. The regular monthly payment amount ranged from XXXX XXXX, and the regular monthly amount applied towards the Principal Balance ranged from {$270.00} to XXXX ( {$270.00} average ). If we keep it simple, 14 payments at  {$270.00} equals a total of {$3800.00} that should have been applied towards my Principal Balance. Therefore, my outstanding Loan Principal should be of approx. {$150000.00} and NOT of {$150000.00} as it shows in my last loan statement ( XXXXXX/XX/XXXX ). 

The origin of this error is a cascade of miss-adjustments done by Huntington Bank in XXXXXX/XX/XXXX to reverse an automatic regular payment done from my Asterisk Free Huntington Checking account towards the Principal of my loan on XX/XX/XXXX. 

I used to pay ( XX/XX/XXXXto XX/XX/XXXX) up front monthly regular payments with personal checks as shown in Transaction History attached document. I was not aware that Huntington Bank set up automatic payments from my free asterisk checking account until I received a notification of Not Sufficient Funds ( NSF ) in XX/XX/XXXX. At that moment, I requested a reversal of {$1000.00} to my checking account and to suspend automatic payments from my Huntington Free Asterisk Checking Account in order to avoid double monthly payments ( Personal checks and Huntington Checking Account ) This statement and the documentation provided ( Loan Payments -Transaction History MSU-FCU, Asterisk Account History ) with this letter should clarify this issue. I demand an immediate action to correct my principal balance : a reimbursement of approx. {$780.00} towards the Principal Balance of my mortgage loan. 

After all it has been 1 year since I brought this problem to the attention of Huntington Bank and despite my efforts, it has not been solved yet. 

I would like a detailed explanation from Huntington Bank Thank you for your understanding
My mortgage company took money electronic out of bank and did not give me credit for my payments. Got a modification six months later they increased my payments
My parents house was forclosed on. By me being a XXXX my fathers credit has always been mixed with mine. My father has been XXXX for almost 15 years. I need this off and inquires also. I need this off I want to buy a house some older things need to come off also.
If I do n't pay the monthly amount due on or before the due date, by XXXX XXXX. the next morning, they start blowing up my phone and will call 10-15 times a day from SEVERAL different telephone numbers. They have even called when I was at XXXX on a Sunday morning!!!!!! They also tried texting ( but I blocked that ) and send several emails which go to my spam folder!!!!!! They have even called my work telephone number and my references on my application when a payment is n't even 30 days late!!!!!!
Nelnet is still in violation of FCRA, None of my loans are THE SAME on XXXX or XXXX. My XXXX only has XXXX Nelnet accounts, and the other ones were deleted because the validity is incorrect. I 've disputed multiple times, reported to multiple organizations, I 've even contacted the ombudsman and no one has investigated. XXXX loan on XXXX has XXXX late pays on XXXX it has XXXX and on XXXX it does n't appear. I 've asked Nelnet to send written proof of the delinquencies and they have not. I 've asked Nelnet for copies of the signed contracts between them and my original servicers and they have sent no such thing. Now Nelnet number XXXX core value is the " customer '' but that 's not the case. They have offered no customer service and any dispute the just sent the typical " script '' reply message without any investigation. I need a supervisor and someone in the executive office to handle this ASAP. Every month that I have disputed there HAS BEEN AN UPDATE OR CHANGE which shows they do NOT have the files or info, which is WHY they ca n't sent me any contracts. The next step is to file in small claims court AGAINST NELNET AND THE BUREAUS, because NONE of the governmental agencies are helping as this subject is important. I have every letter that Nelnet sent and every dispute which shows an updated status EACH time. Please delete all Nelnet account from credit reports ASAP.
XXXX XXXX and XXXX 2014, I was alerted that my credit report had changes due to multiple fraudulent credit inquiries. I contacted Equifax disputing the credit inquiries after filing a police report for identity theft. I have had additional fraudulent inquiries on and since that date.
In XXXX, I went on a celebrity cruise and used a next cruise certificate that I had purchased 5 years ago on a XXXX American Express. The advantage of using the next cruise certificate is that Id be receiving a XXXX credit. Unfortunately the credit went to the XXXX amx which hadnt been valid for 3 years. They accepted the XXXX on my behalf so, celebrity was unable to reverse the charge. Apparently on XX/XX/XXXX amx transferred my XXXX credit to my current XXXX visa who has no record of receiving this amount.
Good dayToday i found out my bank account is frozen and ready to be closed. 
And i am victim here with have worked for a company whoi now realize send me a Bad or Fake check. 
for an ammount of XXXX dollars and XXXX ct. 
That my account will be closed because of this, i really do n't like.. I all ready needed to find out, that iworked hard and in the end not being paid for it. 
Because the Check is not good. So on that i am a victim of peoplewho hired me for doing a XXXX job. Got cheap labour. 
But the problem now is that i am also because of that about to loose my chase bank accountand that i do n't think is fair. 
So is there any thing, that can be done, to not have my bank account being closed? 
Hope that this problem can be resolved and that i can keep my chase account activeRegards
I am a long term account holder with Bank of America. In general, I have never had a problem until XXXX XXXX, 2015 at the Bank of America XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. 
I had calculated a XXXX minute stop at the drive through teller of this branch, to withdraw funds for my travel XXXX. I was on my way to the airport. I wrote my deposit slip, the teller XXXX XXXX XXXX returned it saying that I could only withdraw up to {$2500.00}, but she did not send another slip. I requested a XXXX slip and wrote it out for the allowed sum and XXXX minutes later, she tells me she ca n't help me because I signed my initials and they did not correspond. She stopped serving us, did not even offer to send another slip. I parked my car and went into the bank, I saw the teller had called a manager and I was actually relieved thinking he might speed up the process so that I could get my money and leave. 
I was frustrated and complained to the manager about the teller, he then proceeded to treat me and my mother in the most unprofessional manner, at one point telling us to " get out '' and calling us rude. I was very angry and said I would not leave without my funds and that he and the bank are supposed to provide me with at least professional service. Finally after XXXX kind ladies gave me their turn in the line, I was able to withdraw my funds. I then asked for his card. The name of this man is XXXX XXXX, and apparently new as small business relationship manager. Although I do not want anyone fired on my behalf, I strongly suggest better customer service training for your personnel. I left the bank XXXX minutes later for what should have taken a maximum of XXXX minutes. 
Sincerely, XXXX XXXXXXXXXXXX
Mr. Cooper did not credit my payments when received. According to the attached highlighted records they provided, their interest calculation is incorrect.