WillisBack/dataset-financial-user-claim huggingface dataset:
We are both in our late XXXX 's, retired, and living on a fixed income. We went to local branch of Citizens Bank in XXXX, OH to open a 14-month CD with a 1.25 % interest rate. We already have a savings account with this bank with approximately {$11000.00} + in it. We were opening XXXX CD 's. XXXX in the amount of {$5000.00} and the other in the amount of {$4000.00}. 
Documentation provided by bank states as follows : " Offer available to new and existing customers with a Citizens Bank XXXX XXXX Banking Relationship '' No definition of XXXX XXXX Banking Relationship on document or on display in bank branch. ( A XXXX XXXX customer has to have a total of {$20000.00} in checking, savings and/or other types of accounts with the bank. ) We were told we had to have a checking account with Citizens Bank to qualify for the XXXX XXXX, regardless of the amount in our savings and CD 's. We were also told that we had to deposit {$250.00} to open the checking account but that we could withdraw all but {$25.00} in a day or XXXX. We already have a checking account with another bank that charges us nothing for the account or for checks or statements. 
When asked about a monthly statement, we were told that we could have a free XXXX each month online but that we would be charged {$2.00} each month for a paper statement. ( That is {$24.00} a year in an unnecessary fee since the work is done automatically on and by a computer, not an employee. ) We told them that we do not for any reason do any online banking or bill paying. They said we could not have a quarterly statement. We also could not come into the branch and have them print us out a statement when we wanted XXXX, say just once or twice a year. We were told that we either have to get a monthly statement online for free or we have to allow them to deduct {$2.00} monthly from our checking account for a paper statement. 
Here are our complaints about this bank and its services, and fees:1. A savings account is just as much of a banking relationship as is a checking account and therefore only XXXX or the other should fit their XXXX XXXX Banking Relationship not a requirement of a checking account. 
XXXX. Banks should not try to force people to do banking online when daily individuals ' accounts are being stolen or hacked into. Until an unhackable security system on paying of bills and doing banking is developed, we are not going to do so. As we choose not to do online banking, we are being penalized {$2.00} monthly for a statement that costs the bank mere pennies per statement to provide. This should not be allowed. Actual human employees are not typing up, inserting in envelopes, sealing the envelopes, stamping them or in any way handling them. This is all done by computers that have been programmed to perform this routine function on a certain day each month. Statements are printed, folded, placed in envelopes, stamped and mailed all with little, if any, human contact.
XXXX XXXX XXXX, XXXX XXXX evidently turned over an unknown account to a collection company called XXXX. I have not received any correspondence from this company or phone calls. I work for a small company as XXXX XXXX XXXX XXXX XXXX XXXX XXXX., I have a business account. My BOSS, my BOSS, came into me this morning and handed me a collection bill that was sent to HIS HOME. Again, the boss of my company received a collection notice with my name mailed to his HOME ADDRESS. I have never used his home address but have been told as an add on to his business card, it is possible his address is listed on my credit report. This company said that had my current home address but changed it to my Bosses home address. I am mortified. The representative for XXXX could not give me any answer as to why and his supervisor only told him to be a " cease contact '' in my profile to no longer contact me. I need to they could have attained my bosses HOME address, not work and how it is legal for them to send any personal correspondence about me without verifying addresses. I am worried I am going to lose my job. I need explanation from this company and what resources I can take towards releasing personal information to my employers home address.
Im writing in regards to my father. He has since passed away. He sold his house to my husband and my self in XX/XX/XXXX we have been having difficulty paying our mortgage. All the paperwork that comes in regards to this is also sent in his name. Why? I have a copy of the original mortgage that show we took out he mortgage. He has since passed away from XXXX and we need to get this straightened out.
I received notification from Transworld Systems Inc. in XXXX XXXX, PA in XX/XX/XXXX that I owed tuition from XXXX XXXX University. The XX/XX/XXXX and XX/XX/XXXX tuition was paid on a credit card and I called the school to confirm payment receipt. They said they did n't know why this was turned over to a collection agency. I called the collection agency and they wo n't work with me. I made copies of all my payments including the account printout from the school with my XX/XX/XXXX and XX/XX/XXXX account information showing a XXXX balance due. I sent this information to the collection agency certified mail with a return-receipt confirmation. I would like the school and collection agency to get their accounts straight and ensure my credit rating has not been affected by this inaccuracy. I am enrolled in the XX/XX/XXXX semester and the tuition information is reflected on these statements but will be covered in the fall with student loans and personal payment. Those figures are not part of this issue as I just registered for XX/XX/XXXX.
I informed Chase Bank on XX/XX/XXXX that I noticed fraudulent activity in my checking account via ATM withdrawals sporadically beginning in Mid XX/XX/XXXX, through to early XX/XX/XXXX. There were 9, {$80.00} dollar withdrawals in the total amount of {$720.00}. I noticed this fraudulent activity after seeing ATM withdrawals pending in my account that I had not taken part in. I called Chase right away and notified them of this. 

They temporarily refunded me while they " investigated the issue. '' One month later the {$720.00} in funds were taken out of my account again by Chase because they said that the fraudulent charges were justified, ie they said that the withdrawals were made by me because the card and pin were present and that the withdrawals were made in my " general geographic area '' ( withdrawals that occurred sometimes on the same day, one in XXXX XXXX, XXXX and one in XXXX XXXX, XXXX  ). They said I could have given someone my card to use at the ATM, which is a mind-bogglingly offensive accusation. I submitted 26 pages of paperwork to Chase to prove my whereabouts on these days, copies of text messages, proof of documents I was at work, and correspondence with coworkers of my whereabouts. I also filed a police report. When at the police station they explained that is very common for a card number and pin to be pulled and used at ATM locations. In fact, I was the 3rd person that day to make that type of police report. 

After submitting all of my paperwork, Chase responded to me again in saying that they think all of the charges were justified and will not refund me the {$720.00} that was taken from me. I am currently in the process of closing all of my accounts with Chase as I am horrified they think that they can take advantage of me in this way. I would love to know what their investigation team consists of, and I know now they obviously never make use of the cameras on their ATMs. I am horrified to know how unsafe my money has been these 10 years as I have had an IRA, checking, savings, and credit card all with Chase. I hope this can somehow shed light on how horrendous Chase treats their customers, and prevent this from happening to someone else. I am spreading the word in any way that I can that Chase cares nothing about the people who have their money at their establishment, people who just want to have their money be kept safe.
On XX/XX/XXXX I received notification that my credit score on XXXX and XXXX credit reports dropped 29 points! Due to a collection from Grant and Weber. This account was put on my credit report, I did not receive a notice or bill from Grant and Weber so I left them a message on their web portal asking why they put this on my credit report and received no call or response. On XX/XX/XXXX, I called Grant and Weber and was put on hold for a very long time and then got disconnected. On XX/XX/XXXX I sent Grant and Weber a letter requesting verification of debt from the original creditor. The letter was sent to them via certified mail and signed for by a person named XXXX tracking number XXXX XXXX XXXX XXXX XXXX and signed on XX/XX/XXXX.  Today is XX/XX/XXXX I have checked my credit report and the negative collection account remains on my credit reports negatively impacting my credit score. I have not received anything verifying this debt and do n't know what this is for. In my letter I asked to to verify the debt from the orginal creditor and to clean up my credit reports. I currenlty have a XXXX score with XXXX that I have worked very hard to maintain.
The lender iMortgage provided false information on my FHA loan ( 5 year ARM ) which was closed last XXXX XXXX. I was told that I would get the balance of the upfront PMI refunded when I do a refi. The upfront PMI was {$7600.00} for 3 years and I would get the remaining balance refunded depending on when the refi is done. That did not happen. 

I was in the process of applying for the refi with a different lender in XXXX this year ( XXXX ) when I decided to check again with iMortgage and they confirmed that I would get the refund. I also asked them if i had to refi into another FHA loan in order to get the refund and they said I did not, it was not a requirement. I of course trusted their knowledge of the loan rules, regulations, programs and whatnot, so I went with a 30 year fixed conventional. Since iMortgage assured me of the upfront PMI refund from HUD, which would have been a little over $ XXXX, I decided to buy down points on the refi. The buy down costed me about $ XXXX. 

After months of not seeing anything from HUD, I asked iMortgage again and they assured me that it was coming soon. It was not until this XXXX XXXX that I XXXX around and found the contact number for HUD and called them. HUD informed me that the refund program had ended on XXXX XXXX, XXXX, and in order to get a refund after that date, it is required that the refi is with another FHA loan. I then emailed iMortgage on XXXX XXXX asking for explanation and what options I may have, but have not received a response since. 

If I had known the upfront PMI is not refundable I would have gone with other options and for sure would have not bought down points on the refi, or even look into refinancing another FHA loan. We have been saving every penny for this house and had budgeted with the refund in mind, so now we are out $ XXXX really hurts. I have all the email conversations with iMortgage regarding the upfront PMI refund saved and ready to provide as proof. 

Please let us know what options we have. Your assistance is greatly appreciated. 

Thank you!
I have been getting XXXX calls and voicemails per day from a debt collection company. I have told them that I am not the associated party and do n't know the associated party and to not contact me again. The calls continue.
I have asked for a copy of the instrument with my signature that indicates that owe the amount they say. I have sent my request via certified mail, disputed with the BBB and filed a complaint with the company 's state attorney generals office and the credit reporting agency. All of them have done nothing to resolve this daragtory information being reported on my reports. The only thing that has been given a very questionable statement that looks like it was cut and pasted together and has information from some other personal. This is not my debt and I have know knowledge of it.
XXXX  has completed my disputes but the results are just as incorrect and I 've filed disputes multiple times. I can honestly see that   XXXX   is letting a computer determine the results because they do n't even make sense. When I call the executive office, they do n't really want to help, the only thing they want to do is argue. There are multiple incorrect accounts of which  XXXX  creditors are reporting incorrectly. The first  XXXX  is  XXXX  Bank, they have violated their terms and agreement and the late payment that was reported is incorrect.  XXXX  Bank has been reported to the FDIC for the improper conduct and the late payment was removed from  XXXX  and  XXXX . The second Creditor is    XXXX   XXXX   XXXX  , they sold th e account to  XXXX  collection Agency and as a result that TERMINATED the company 's legal right to continuously report. I 've sent in the info to show that the account was settled and closed in    XXXX   XXXX   XXXX  ,  XX/XX/XXXX  has yet to update and correct the account as closed. The third  incorrect Creditor is   XXXX  ,   XXXX   is incorrectly reporting that the account is still being charged off As of   XXXX   XXXX   that is incorrect the account was settled and closed in   XXXX   XXXX   XXXX  ,  XXXX  has yet to correct this. I know it 's not  XXXX  's fault because it 's been corrected on other bureaus except  XXXX . The last creditor is  XXXX . On  XXXX   XXXX   XXXX  has incorrect and mismatching information which violates several FCRA laws. I 've disputed and complained, sent in letters and the  XXXX  accounts are still incorrect. Multiple months are missing payments and it says ND ( no data ) instead of OK. That is incorrect and a violation. The fifth Creditor that is reporting incorrectly is Texas Guaranteed  XXXX   XXXX   XXXX . This was not a collection account nor charge off in  XXXX . The account was paid and closed in  XXXX . It has a negative payment for the month of  XXXX  when it was clearly paid off and closed. Another reason how I know it 's incorrect because the  XXXX  of  XXXX  does n't allow individuals to consolidate a student loan that is in DEFAULT. These companies are clearly violation FCRA. Experian is allowing the Creditors to report invalid information in addition to reporting and coding certain incorrect information on the credit report in order to recieve a profit. I 've asked several humans/managers/supervisor to look into this And not to let a computer decide, instead the only thing they do is dispute and let a computer decide. It 's a disappointment because  XXXX  line of the   XXXX    Mission Statement says " transforming our relationship with consumers and delivering growth consistently ''. Honestly, they 're not doing any of that for me and shows the company is not following their own mission statement. I hope THESE issues can get resolved quickly so I can have a chang e of  XXXX .
I requested a Balance Transfer from Discover to XXXX XXXX. Discover transferred {$5400.00} into someone else 's account, and are not taking responsibility for their mistake. This means that right now it appears that I owe {$5400.00} to XXXX XXXX, and {$5400.00} to Discover. This is highway robbery, and it should be considered unlawful.
I discovered a Discover credit card that was opened fraudulently in my name. I notified Discover immediately and they sent me an identity theft affidavit package. I filled out the necessary forms, went to my local police department to file a formal report, and submitted all documentation to Discover. They called back a couple of weeks later to let me know that I had an outstanding balance. I explained that I was a victim of identity theft and had previously been told the account would be removed from my credit report ( which it was ), and that I would not be held liable for any balance. The representative I spoke with ( XXXX ), advised he had no identity theft affidavit on file. I explained I had already sent it. He put me on hold and came back to let me know that he had found the file and apologized for any misunderstanding. As part of the police investigation, the investigator ( XXXX XXXX ) suggested I take a polygraph test as that usually helps with these types of cases. I took the test and passed - meaning I told the truth and did NOT open this card. A couple of months later, Discover called to let me know they had completed their investigation, found no trace of fraud, and had OPENED ANOTHER ACCOUNT IN MY NAME as they are holding me liable for the balance of {$1200.00} ( which has now increased to {$1500.00} ). I gave no authorization for Discover to open another account in my name! They advised it was a " recovery account '' because they had closed the initial fraudulent account. This is a direct violation of my rights and fraud! I advised XXXX, again the same representative who called me before, that I had already filled out all the documentation they needed and even subjected myself to a polygraph test. XXXX said they were still holding me liable and I advised him that Discover had already told me I would not be liable. 
I have told Discover not to contact me any more and that I am considering filing charges against them.
I file a credit card dispute with Capital One Credit card. I disputed a charge of {$580.00} charged to my credit card on XXXX/XXXX/2016 from an XXXX marriage agency. I told them I never received any service or merchandise from this marriage agency after my credit card was charged that amount. I told Capital One that I discovered this marriage agency operated from XXXX was a scam after I did a XXXX search and found out multiple complaints on the internet that this marriage agency was a scam. I sent in a letter along with evidence that I did not receive service or merchandise from this agency and I assert my rights under Fair Credit Billing Act. Capital One responded and said they received a " printout '' of this agency 's website stating that I agreed the charge was non-refundable. I wrote back to Capital One stating that I have never seen this website nor have any knowledge my charge was non-refundable. I asked Capital One to provide me proof from this agency that I signed any document agreeing to this false claim or that proof that I have seen the non-refundable policy website. I again assert my right under Fair Credit Billing Act that they have to do a thorough investigation and provided me proof I received any merchandise or service, which I never did. Capital One wrote back and said they charged back the {$580.00} to my credit card because they did not get a response from me. I sent them a " claims and Defenses '' letter again assert my rights under 12 CFR Part 1026 ( regulation Z ) and the Fair Credit Billing Act that this is a billing error and they fail to follow the laws to investigate my dispute and demand this charge to be removed from my account or labelled it as " dispute ''. They refuse and start collection process on me and threaten me they will ruin my credit if I do n't pay. I told them I can not pay them any money because I never received the merchandise or service. This whole thing is a scam. I demand to talk to their legal department and ask them to write me a letter stating their legal position. They refused.
I am in debt with Sallie Mae and it is a delinquent loan because I have been ACTIVELY looking for work ( no results yet ), but I have an unpaid internship with a company that may hire me. However, Sallie Mae keeps calling on an HOURLY basis ALL week even Sundays after hours ( XXXX ) while I am at church with my family or working.They even had the nerve to ask for my internships number! The tone is demeaning and rude, I feel extremely harassed. Not only that, they have also called my parents at home and at work ( My mom gets calls on her company phone number at work and she is a hairdresser that gets paid by the hour ... so when they call she looses business ), my grandma in another state, and my fiance during classes! I want to pay my loan but until I get the loan re-structured or get a job I can not pay my loan.
On XX/XX/2016 I paid XXXX in full for the following amounts {$34.00}, {$270.00} & {$55.00}. Although, I was told they would be removed from my credit they haven't done so.
My wife has a loan with a finance company. They have called me, the husband XXXX XXXX several times about the account daily, talking reckless to me, threatening legal and I am not the account holder. Called my mother in law who was not listed as a point of contact. Account got behind and all personal info was shared with me and I am not the account holder. First heritage credit XXXX sc
I talked with an Advocate at Navient on XXXX XXXX 2017 and advised them that the monthly payment of XXXX was too much for me to pay right now due to all my expenses that I have. I told her that I could pay no more than {$350.00} a month right now and she did a calculation and said it should be in that ballpark ; however when the IDR was submitted, they advised me that my monthly payment would be {$680.00}, which is still too much. They do not take under consideration all the debt that you have. They look at your Gross, inwhich I do not bring home my gross. My loan was originally a little over {$40000.00}, they have assessed over 35.000.00 in interest. I think the interest charges are astronomical, I was advised my account accrues close to {$400.00} dollars a month interest along.
Spoke with Capital one on XX/XX/2018, XX/XX/2018 and XX/XX/2018. I have a fraud alert on my credit report, capital one has yet to contact me to verify the alert during a recent request in a credit limit increase. The credit limit increase was initiated and is pending a response since XX/XX/2018. Due to the nature of the situation, with a fraud alert, someone should of contacted me sooner. Instead i've made numerous attempts with no representatives to assist. This is negligent on capital one 's behalf, someone could be using my identity or possibly committing fraud in my name. And a week has passed without capital one verifying any information. This is irresponsible of capital one and unacceptable to consumers like myself.
I had the ability to pay off XXXX of my private loans serviced by AES earlier this month. I call and get all information needed, po box number, and 10 day payoff. I have XXXX account with them. I sent the check certified mail and it was received within 4-5 days of it being mailed. It never posted to my account. I inquired and was told they would look for it. They had the check for over two weeks and now are saying that it does not have the account information, it will not be accepted, I continue to incur more interest and there is a potential of a late fee being assessed by the owner. I forwarded a copy of the check stub, was sent certified from XXXX XXXX showing that it did reference the account number. Also I have XXXX account and the amount of the check was for the amount owed. I find the lack of due diligence, common sense, and how this was dealt with completely unprofessional. In addition I know have the added interest, delinquent account, and the possibility of a late fee. Some reprimand is warranted. These loans are crippling the country and when I try to pay what I owe, I get XXXX one last time ( hopefully although I would imagine that this will continue ). Thank you in advance for your time and consideration.
After sending information to verify myself with my disputes, Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX XXXX XXXX what bankruptcy/inaccurate XXXXXXXX XXXX XXXX what bankruptcy/inaccurate XXXX XXXX XXXX what bankruptcy/inaccurate COLLECTIONS  XXXX not mine XXXX XXXX XXXX not mine