WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX in XXXX XXXX XXXX University and I opened an account in Chase last year in XXXX to save my tuition and other expense. During XX/XX/XXXX, my money in saving account was transferred out by fraud until XXXX. I was in XXXX and busy with taking care of my baby during that time, and I was thinking the bank is safe so I did not notice that. Around 100,000 was stolen during this period. When I went back to US and found this, I went to chase immediately. They only helped with 4 earliest transactions at the beginning. They did not help with others and asked me to contact the banks who got my money transferred in. I contacted those banks, but they said they only talk to chase. I even went to XXXX XXXX, their banker there told me this is rediculous for a bank to ask the customer to contact other bank for disput. So I went to chase branch again and again, their banker helped me to claim the other transactions and said they will take care of it. I actully went to chase branch for a lot of times and filed out useless form for a lot of times. They first said I will get an answer on XX/XX/XXXX, but I did not get any reply on XX/XX/XXXX. I contacted my banker called XXXX XXXX for what's going on, she told me their department already closed my case and they did not do anything. Even everytime I went to branch, they claimed my case and make sure they will take care of it. But when I got back home and called for claim department, they always use 60 days rule for the excuse. Looks like the banker in the branch is pretending to make claim and the claim department was not doing anything. They always use 60 day rules even though they know my special situation. The claim department never deal with it and closed it very earlier.
Recently I refinanced my home mortgage to a lower interest rate and, because of a bonus received at work, I paid off my all other credit accounts. I included a first and second mortgage in the refinance but did not increase the overall amount owed. To my surprise, all of the credit bureaus ( XXXX, Equifax , XXXX ) lowered my score from over XXXX n XXXX ( good ) to the XXXX, XXXX, XXXX ( poor ) in XXXX! This is counter-intuitive to me. I am in better financial shape now than what I was XXXX! 
I even asked XXXX how they calculated the score. They refuse to disclose the algorithms they use to calculate the score and only provided generalities. 
This is just not fair. I am in the process of going for XXXX jobs where they may pull my credit score and it may prevent advancement in my career.
XXXX XXXX {$340.00} There is no contract, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
On XX/XX/XXXX I went to Chase XXXX XXXX and XXXX XXXX XXXX # XXXX located in XXXX XXXX, FL. I had XXXX salary check in the amount of {$3000.00} to deposit, plus a another personal check in the amount of {$360.00} to deposit as well. I went through the teller line at the window. I had no concerns about holds since I was below the thresholds and did not meet the requirements under Reg CC for the other reasons there may be hold placed on the account.Upon arriving home I reviewed my account online and noticed that I was only given the {$200.00} out of the {$3300.00}. I called the Bank and spoke with XXXX XXXX who told me there was n't anything they can do unless " I wait until tomorrow to see what happens, if I still need the funds Chase MAY call to verify funds. '' I informed XXXX XXXX that position was not in compliance with Reg CC funds availability requirements. He insisted that the notice on the receipt that " further review may result in delayed availability of this deposit '' suffices and that they do n't deal with these issues at the Branch only there Legal and regulatory dept do. I was informed that if I wanted they would return the checks do me and I can deposit this elsewhere. I returned to the branch to pick up my check Employees were totally ignorant of Reg CC requirements " they depend on the system '' to figure it out! I wonder how many other consumers they are fleecing in earning interest in overnight funds ( but not paying interest to the rightful owner of these funds ) by engaging in such practices. The only defense XXXX XXXX could give was that " they would never make funds immediately available against an unknown bank. '' Seriously? There are so many ways to verify the legitimacy of a Financial Institution that it goes to further show how desperately Chase need to provide training for its front line staff and ensure compliance. Please investigate and advise on their practices. They have a " I 'm to big to fail attitude and anything goes ... ''
This complaint is with One Main Finacial in XXXX, NC. An employer there called my place of business, XXXX XXXX XXXX, as I am a XXXX. She called about a late payment on XXXX XXXX, XXXX in the XXXX  My payment is not due until XXXX XXXX, XXXX. A deferment agreement was signed on XXXX XXXX, XXXX to skip the month of XXXX as we tried to be proactive and realized we wouldnt be able to make XXXX payment but would be back on track in XXXX. One Main has my cell phone and my wifes cell phone. My wife was never contacted. They called my employer first and when payment isnt even due. Their response when I called was that, well you called back, and that they never received the deferment. When I asked for an email to send them th confirmation email I received when I requested the deferment, I was given one, but told it probably wouldnt work. They have been repeatedly told not to contact my family, other than my wife, and under no circumstance to contact my employer or wifes employer.
I received a letter from Wells Fargo Home Morgtgage a couple of weeks ago indicating that their escrow ananlysis indicated an upcoming escrow shortage of {$490.00}. I agreed with this analysis and immediately called Wells Fargo Home Mortgage to advise them that I would be mailing them a check for {$490.00} to cover the escrow shortage. I subsequently made my monthly mortgage payment ( which includes escrow ) by the XX/XX/2018 due date. The separate check for {$490.00} was received by Wells Fargo and was reflected as having been cashed by Wells Fargo according to my bank.

Today I received a statement for the XX/XX/XXXX payment from Well Fargo. It omits the fact that I paid the escrow shortage of {$490.00} and my subsequent XX/XX/XXXX payment ( and every payment thereafter ) is higher than it should be. I immediately called the Customer Service Department at Well Fargo and they could not confirm receipt of the check for the {$490.00}. I advised them that I can see through my banks online banking features that the check was cashed by Wells Fargo. I was told they would look into where the {$490.00} went.
On XXXX/XXXX/15 I opened a XXXX checking account with an offer stating I would receive XXXX XXXX miles ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX XXXX miles to be deposited into my account by XXXX XXXX, 2015. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited at the end of XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from SEVEN months ago showing the offer. I do n't keep mail around for seven months, and NOTHING was ever said over the past 7 months about needing to keep that post card. Now I have {$60.00} of fees and I will not be getting {$500.00} worth of XXXX XXXX. I 'm not alone. XXXX of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.
I was XXXX from XXXX XXXX until XXXX XXXX. During that time, a relative used my personal information to obtain credit, goods and services in my name. There have been car loans, bank accounts and not so successful attempts to get a mortgage. I have been pretty successful in providing documentation to creditors and debt collectors listed on my credit bureaus and subsequently having the negative information removed. Except the following two companies. Receivables Management Systems Account Number : XXXX This company is collecting for XXXX XXXX, a express medical facility. I have been able to provide significant information that proves that this debt was not incurred by me. I provided all of my records from the XXXX XXXX XXXX here in Maryland which lists the date I began my XXXX to the day that I was released. Since XXXX, I have left voice messages for a supervisor named XXXX, who never seems to be available when I call him. I have had better luck speaking with a representative named XXXX XXXX, but even then she is limited in what information she can provide. When I last spoke with her on XXXX XXXX, she told me that the agency was waiting to find out from XXXX XXXX if I was serviced there as an XXXX - which I certainly would not be. I left another message for XXXX XXXX yesterday, after waiting a full two weeks and I still have not heard anything back.
Good afternoon. In XX/XX/XXXX we began a refinance process with our current mortgage company, Freedom Mortgage. Of course, as requested, we submitted all paperwork and documentation as it was requested and in a very timely manner. We were told that we would close on several different dates, all of which never happened. Yesterday we were told that our rate had expired and that we would be responsible for the penalty even though we had followed all of the directions and requests. The penalty would increase our mortgage payment by over {$100.00} a month ... .not making any sense to refinance if that 's the case. We were told even though we had done what we were responsible for, we would pay the penalty and there was nothing they could do. Unacceptable
I have never received any information from a company called MCA Management Company. They are on my credit report and have been pinging my credit reports monthly dropping my credit score 10-20 points every month but have never contacted me about owing money to anyone. I am a current patient of XXXX XXXX. XXXX XXXX and have always made payments to them when I owed them money. I have no idea why I would be in collections when I made payments and to my knowledge I was paid in full as I always payed my bills when I receive them from XXXX. 

I have no idea who MCA Management is and their never having contacted me in anycshape or form and I have just recently noticed they have been on my credit report since XX/XX/2018 and every month they are reapplying what ever it is they do to my credit report but have yet to contact me in written letter or by phone but have no problems harassing and ruining my credit monthly with their deceptive practices.
On XXXX I received an email from XXXX XXXX stating that had a XXXX balance XXXX XXXX the morning of the XXXX by XXXX on the same day they sent me a overdraft fee of XXXX. This is not the 1st time XXXX XXXX had done this. I have spoken to several customer service agents about XXXX XXXX not giving customers enough time to deposit the funds. It seem to be that immediately after your account becomes overdraft they charge you a fee. The few agents I talk to told me two different stories. One was that they give you 24 hours to clear your balance and the other said you have until XXXXXXXX XXXX that day. So far they do not allow the customer enough time to deposit the money and this is unfair to the customer
I have been receiving calls after telling t he manager I a m trying to file bankruptcy and she will not stop calling me it has caused me to lose a job and my mined I have not been able to get the money for a lawyer because I lost my job I do start a new job  XXXX   XXXX
Discover Card ( credit card company ) sent me a letter indicating that they were lowering my line of credit. This was based on a review of a credit report provided to them by XXXX. My credit FICO score with other agencies and credit card companies is quit high - plus XXXX and is currently at XXXX as reported by XXXX  as of XX/XX/XXXX. 


Discover Card listed my FICO score as XXXX and included " multiple delinquencies '' as a reason of lowering my line of credit with them. I have not missed a payment with Discover or any other CC company since XX/XX/XXXX!! I have requested that Discover PLEASE review this matter and consider re-establishing my credit to the previous status. 

I have spoken and communicated via email with representatives at Discover. 
A few have admit that there seems to be no reasoning behind the decrease in my credit line. They also can not see where a FICO score of XXXX was ever provided to them from XXXX  exist, but do see it was included in the notification letter that was sent. I also checked my report directly with XXXX XXXX - there FICO score was well above a delinquent XXXX score. 


I am just looking for some help to limit the damage that an erroneous credit line decrease can create. I've worked hard to establish a good and positive credit standing. 
I'm not sure why Discover is unwilling to work with me to resolve this matter. I'm asking you there for some assistance. 

Thank you for any help you can provide me in this matter, Sincerely, XXXX XXXX XXXX
Clay Cooley aka XXXX XXXX has not reported my on time payments to the credit bureau 's. Clay Cooley is a 2nd chance financing credit rebuild vehicle loan program and state they report payments and to date this has not been reported during my 1 1/2 years loan with them I 've even sent letters to all 3 credit bureau 's requesting that this be done as of the beginning of this year/
On XX/XX/XXXX I placed an order for 25 Unicorn XXXX for {$270.00} through a website called XXXX. There were supposed to arrive on XX/XX/XXXX. I was given a tracking number of XXXX. Then on XX/XX/XXXX I revived a very small package with the matching tracking number on it. Inside was 1 little kids coin purse measuring about 2x2 ... very small with a picture of a XXXX character. The 25 XXXX never arrived and i was told by XXXX I would get a refund. The refund was never given either. Capital One told me they could only reverse the charge if I could show proof I returned to package to the sender. it was too late for this as I through the item that would cost less that {$1.00} away. I even showed Capital One proof of the merchant admitting the wrong parcel was sent and I would be refunded. The merchant did not ask for the wrong parcel to be returned. It's not been several months later and XXXX has still not given a refund and Capital One still won't do anything about it.
A collection item has reappeared on my credit I previously disputed a collection item which was listed as a debt to a hospital the debt was deleted and has now reappeared with a different collection agency I have no contract or agreement with this collection company and do not own them anything I have never been contacted by them via phone or mail and have no knowledge as to who they are the item reappeared on my credit file with no communication or notice to me The company is XXXX XXXX XXXX and the debt amount is showing XXXX
I paid off a credit card from Chase Visa and they sent me a bill for {$13.00} on a XXXX balance. Also they charged 27.99 % interest on XXXX and 29.99 % on another and refuse to lower them both Chase Visas.
Capital One is fraudulently working with a company called XXXX, causing interest and unwanted harassment and meaningless wastes in the universe. They must be stopped! XXXX They refused to speak with me when I informed them I was recording the conversation.
I received a letter in the mail from Linebarger Goggan Blair & Sampson , LLP claiming I owe {$97.00} to XXXX XXXX XXXX XXXX. First of all my name is not correct, and secondly I have not lived at the listed address of XXXX XXXX XXXX XXXX XXXX in eight years. That being said I have never recieved written correspondence regarding any debt owed to this so called " XXXX XXXX XXXX XXXX. '' and I dispute any validity to this claim as this supposed " collection firm '' is nothing more than a scam.
I hired an attorney to handle settling a mortgage with Green Tree Servicing. The mortgage in question was never recorded, has not created a lien for the property and is an unsecured debt. There is also a recorded XXXX Bank mortgage on the property that is currently in foreclosure. This mortgage secures an outstanding note in the amount of approximately {$190000.00}. Although the XXXX Mortgage secures {$190000.00}, the property is not worth any more than {$120000.00}. I therefore made attempts to settle the Green Tree mortgage. However, not only has Green Tree Servicing denied any and all of my multiple attempts to settle this matter, but they now ignore all communications from my attorney. All I want is to smoothly settle this otherwise worthless mortgage so I can move on with modifying the XXXX mortgage and get on with my life.
I make payments to Navient for my Federal student loans. I have not missed a payment in over 2 years. I submitted a payment from my checking account on XXXX XXXX ( as I have done every month prior and every month since ) but my payment, which was withdrawn from my checking account, was never applied to my Navient account. I discovered this error in XX/XX/XXXX and called Navient to correct it. I was told that I needed to submit a copy of my bank statement verifying that the payment was withdrawn from my account in order for them to correct the issue. I sent the statement the same day. I checked my account for weeks and the payment had still not been applied. I called XX/XX/XXXX and was told that they could see my bank statement and the payment should be applied within 10 business days. It never happened. I submitted a written inquiry a couple of weeks ago and, last Thursday I received correspondence stating that they have my bank statement but are still unable to locate my payment in their system and I now need to send additional documentation proving that the payment was withdrawn from my account. In the meantime, all of my other payments have been received but my account still shows as 30 days delinquent due to a " glitch '' in their system. They are causing damage to my credit report and the " delinquent '' payment is racking up late fees. Their customer service is horrible and I am concerned that this problem will never be fixed.
I have requested Equifax to correct the information on my correct report and nothing has happened. I have requested " VALIDATION '' AND NOT " VERIFICTION '' of the collection accounts, which have no company name listed and no information has been provided. Here are the accounts : XXXX {$130.00} XXXX {$110.00} XXXX {$180.00} XXXX {$120.00} They always say they verified information and do not ... Please VALIDATE this debt! Also, please provide, who you spoke with, date, time, phone number and documents shared. Other wise by law, please removed this negative information of my credit report.
I 'm a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of these. I did n't inquiry for accounts with them. I would like for these to be removed from my reports. 
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I received a letter in the mail stating that I owe {$2000.00} from a creditor named XXXX. I am in the military so I have insurance. Furthermore, I have not been to Florida in 5 years but the debt is from XXXX XXXX 2016.
This account is inaccurate. First off, how can I have 8 120 days late payments. Instead of 120 days late it should have been collection account. When I had talked to a person at the XXXX XXXX XXXX they had said to me they would restore my account in good standing if I had made 8 payments on time and paid the account in full. This is not the point apparently since I am still dealing with this account. Also I had made the payments to this about in XXXX into XXXX not XXXX into XXXX but apparently this is wrong as well. You can see the information is wrong.
On XX/XX/18 I did a balance transfer from my card ending in XXXX. As is evident in pictures I will show, I was left with a {$0.00} current balance which stayed that way till XX/XX/18 where I was literally charged an interest charge, on top of a interest charge on top of a mystery fee. The mystery fee was for {$220.00} and doesnt show in my current balance so theres no way to see what that charge was for. I called BofA customer support 3 times for hoping someone could explain these charges reasonably. Each person reading from a script said, this is standard practice at the end of a promotion with no valuable elaboration. The first interest charge was a {$41.00} on XX/XX/XXXX for interested charge on a balance transfer. BofA did nothing in this balance transfer. Standard practice for banking companies is not to charge money when they are getting paid the entire balance. Then that same day there was a second interest charge of {$37.00} just called interest charge.
I had a Cash Rewards card from Suntrust Bank. I used it for a year or two.  And then I decided to pay it off. The final balance was only {$32.00}. I paid it by phone, the person ensured me it was the final balance. I checked my XXXX  report recently and it says {$160.00} due with a late payment. I called Suntrust. They inform me that they were wrong, and I owed an additional {$32.00} back in XX/XX/2018. So this has now become {$200.00} with fees. 

I never received a bill. I never received a bill by physical mail. I never received a bill by e-mail. I never received a phone call. I had to find out about this through XXXX. I have paid the {$200.00} to stop the interest accruing. But I am furious and would like a MINIMUM of {$170.00} returned to me, as the original amount I owed was {$32.00}. I will not do business with Suntrust for the rest of my life, banking or credit card, or any goods or services. I hope I can find resolution to this issue and most importantly remove all records of a FALSE late payment from my perfect 100 % 10-year credit history.