WillisBack/dataset-financial-user-claim huggingface dataset:
I opened case # XXXX which you closed without resolution of the problem. Chase opened this credit card without following the 7 year fraud alert on each of the 3 credit reporting agencies. There are explicit instructions that I must be contacted at the phone number listed on the 3 credit reporting agencies. Chase never contacted me and opened the credit card in question ignoring the 7 year fraud alert instructions. I have repeatedly called Chase fraud department for an explanation and they have none. I want them held responsible for this irresponsible action which could have resulted in serious consequences to me had I not acted quickly to close the account. Chase did correct the fraudulent credit card with the credit reporting agencies but this is much more serious. Why would the case be closed when this serious issue was not addressed by CFPB? This activity by Chase should be made available to consumers. In the letter to me from Chase dated XX/XX/2017 the address card number ending in XXXX which was NEVER questioned in my original complaint. 
XXXX XXXX XXXX
I received an email offer from US Bank that if a checking account was opened before XX/XX/2018 I would receive {$200.00}. I did all the required direct deposits and they are not honoring the offer. They're claiming the offer code was not entered. I opened the account from the email and there was not an area to enter an offer code. This is deceptive and dishonest of them. I still have the email.
I applied for a reverse mortgage with LoanDepot. Initial loan asked was $ XXXX with a valuation of the property at $ XXXX. Later, when prompted by the agent, we checked the property estimate on XXXX and upped the estimated value to $ XXXX. I paid a {$420.00} appraisal fee and {$10.00} credit check fee. However, after the loan was tentatively approved and appraisal done, I was informed that the appraisal amount was indeed $ XXXX so the maximum I can loan is $ XXXX ( XXXX % ). I was then told the loan amount was less than the minimum loan amount LoanDepot was willing to lend ( $ XXXX ). This should have been communicated to me at the start of the process, not after fees are paid. I explored options with other lenders with lower limits and asked LoanDepot to transfer the appraisal to XXXX XXXX which LoanDepot refused. XXXX XXXX therefore had to order a new appraisal at additional cost to me.
I recently filed a complaint XX/XX/XXXX which we thought was resolved in a repayment plan, and a removal of the negative credit reporting all was good til XX/XX/XXXX when they reigned and put 11 past due payments on my credit report, and this from a supervisor who felt bad about what greentree did to me, well just goes to show you soon as you close a case they turn back to thee old ways. all agreements of the repayment plan are in my first cmplaint case # XXXX which i printed off your site also for just a occasion. I am also in touch with other agency 's regarding illegal transactions.
Company harassed my ex girlfriend via social media about my account which is very unprofessional and a breach of trust. My ex girlfriend should not know what is going on with my personal business. New associate felt because she knew my ex girlfriend she could provide her with my information via XXXX.
We got a little behind on our mortgage while under a Chapt XXXX bankruptcy, we missed some payments leading up the Mortgage Company contacting our attorney to file a default. The attorney contacted them and they stated on or around XXXX XXXX that we would have to make a {$6500.00} cashiers check payment to them in order to bring our account current. We scrounged around and sold some things to get the money and mailed it to Loancare overnight on XXXX/XXXX/XXXX. Ever since that date, I have made all my monthly mortgage payments to them. After the chapt. XXXX was discharged on XXXX XXXX, they all of a sudden are stating that we missed XXXX XXXX payment. I clearly show it being paid on the attached word document in XXXX XXXX. I have called them and they said to give them a years worth of proof that I have made all my payments from the XXXX XXXX til XXXX. Again that is attached to what I sent them ( 2 TIMES ) with no response. They are currently reporting fraudulent statements on my credit report that according to my records is false. They are also sending threatening letters stating that we are 2 months behind everytime I do n't make my payment on the XXXX. I have a 15 day grace period on my original loan documents and if I pay it on XX/XX/XXXX, should NOT be assessed any late fees. I am paid on the XXXX of every month and that is the check I use to make my mortgage payments. I have a QWR under RESPA guidelines all typed up that I can mail them in case they do n't respond. Just email me and I will send CFPB and LOANCARE certified copies Priority Overnight. Hopefully you can assist in this and bring a closure to this on going battle I am having. Threatening phone calls and letters can provide a very stressful environment to myself and my family.
I took a private loan out for specifically daycare expenses XXXX, my school XXXX COLLEGE had there own daycare where my son attended. XXXX day i received a notice he was closing daycare for good, so after that i looked for a new daycare for my son to attend while being enrolled in school at XXXX i went back to my finical advisor to ask if i would be awarded the remaining balance due to my son not attending there daycare. The advisor told me that they were gon na meet with all the affected students, and they where gon na hold a meeting the following week and he would notify us with more info. The week was coming up when we received a notice that the owner XXXX XXXX posted on the student portal that he was going to voluntarily close the school. So my concern is what type of legal actions can be done due to him closing and me not getting any info from the advisor or XXXX? He was granted ch XXXX bankruptcy and now on XXXX XXXX he will file his ch XXXX i was never given a exact amount of what was paid to XXXX in total, and why was i never given the remaining balance paid out to apply to my new daycare my son is attending.
After speaking with everyone at Student Assistance Offices including the Federal Ombudsman at the Department of Education, I am advised to contact this office. I do need your help. Despite being eligible for public service loan forgiveness and having paid my student loans faithfully for over 10 years ( since XX/XX/XXXX ), I am told I am disqualified because of the kind of federal loan I hadand had never been advised otherwise by Navient or by XXXX College. I recently changed over to a federal Direct Service loan but at this rate would be paying it until I am XXXX!! 

As you know in XXXX XXXX, salaries are not equal to what lawyer or XXXX   grads make, even from XXXX XXXX XXXX. And XXXX XXXX employees do not benefit as some other professions do from wealthy employees contributing to or paying student loans in total for employees. 
In XX/XX/XXXX after working since XX/XX/XXXX in XXXX XXXX, I joined the XXXX   of the first XXXX XXXX of XXXX XXXX in Massachusetts, at XXXX XXXX XXXX, in order to XXXX  what I had learned in many years of practice. In order to stay on the XXXX, I was required to earn my XXXX  and did so from XXXX College XXXX School XXXX XXXX XXXX, completing in XX/XX/XXXX. In so doing, I incurred Educational Loans which I was told would be partly forgiven due to my commitment to XXXX  in a XXXX XXXX that serves low income students. 
After paying faithfully toward loan repayment, the legislation finally got passed 2 years ago for those XXXX  in XXXX XXXX XXXX to qualify for loan forgiveness if they had XXXX  in XXXX XXXX and paid loans for 10 years. However, what we were NOT told at the time we incurred loans and what was apparently not known until the legislation was passed was that only those who had a certain kind of loan- Direct Consolidation Loan- would be forgiven. I applied for loan forgiveness- having already paid the required 10 years to qualify for it- and was told I had the wrong kind of loan and would have to switch over and pay another 10 years. 
By now- at XXXX years old- I am about to retire. I have followed their advice and switched my loan to a Direct Consolidation Loan and see attachedand have been told I would have to pay 10 more years on this loan to be considered for loan forgiveness. This means with additional interest that they have attached, I would be paying $ XXXXmonthly up until XX/XX/XXXX! That would be my XXXX birthday.
Since XX/XX/2018 XXXX XXXX Private Student Loans have been attempting to process payments on my loan. They have been threatening to default my loan. I have provided 3 separate debit cards. Each of these cards were declined upon attempting to charge a payment. The accounts have money on them and the bank states that XXXX XXXX is sending strange transactions in the amount of XXXX $ and that it is their problem processing payments. XXXX XXXX opened an investigation into this matter but is still threatening to default on my loan. This is causing me a great deal of stress and depression. I am under constant threat by XXXX XXXX for their own system issue. I am willing and able to make payments from the same card I use to buy groceries and withdraw money from every single day. The manager of my account at XXXX XXXX XXXX XXXX XXXX lied multiple times about events on my account. XXXX XXXX claimed that I have not provided my checking and account number when I have and claims that my bank said that I do not have money on my account. When I called my bank multiple times, even with a XXXX XXXX representative conferenced in, they said I had money.
I 'm in the process of credit repair! I contacted all the bureaus in regards to verifying each debt on my credit files. Conn 's ( XXXX ) originally submitted my charge off amount as {$1300.00}. The resolution in my dispute was the account was " verified ''. I did n't receive any documents showing my affiliation to this account. The update amount of this particular account added an additional {$10000.00}. My new balance is {$13000.00} on all of my three credit files. I spoke to a XXXX rep who stated that it was n't anything they could do but verify AGAIN what the amount is. This process can take another 30-45 days. I 'm totally upset and feel violated that a creditor can add an additional XXXX to my credit file, drop my credit score XXXX points and I have to wait until more research is done. Can you please assist me in this matter? Is there anything I can do? I attached the different credit files from XX/XX/XXXX and XX/XX/XXXX to show the difference.
I missed my XX/XX/XXXX PC Richards store card payment. On XX/XX/XXXX I called Synchrony Bank to explain my current financial situation and how I can bring my account current. After discussing my financial situation Synchrony Bank placed me on their " Customer Assistance Plan. '' They explained that this plan takes my total balance as of XX/XX/XXXX and divides it into 48 months. During the 48 months I will incur no more late fees, no interest, no penalties and I will be up to date ; as long as I make the new minimum payments. On XX/XX/XXXX I received a credit alert that PC Richards reported me as being more than 60 days delinquent. I called Synchrony Bank on XX/XX/XXXX and enquired as to our arrangement on XX/XX/XXXX ; they gave me a complaint number and said they would call me back. While waiting for a response I did not pay the XX/XX/XXXX payment. On XX/XX/XXXX they called I offered to pay the past due payment we agreed to on XX/XX/XXXX but the said the past due balance was more. Upon further discussion on XX/XX/XXXX Synchrony Bank told me that they charged me a late fee for missing XX/XX/XXXX payment even though our agreement was still enforce. Additionally they are still reporting to the credit bureau that I am over 90 days delinquent when our agreement on XX/XX/XXXX is anew agreement. As of XX/XX/XXXX I am update with the payments. They were continuing to bill me he full past due balance and reporting be as delinquent when we had agree to new terms. 
monthly. On XX/XX/XXXX I paid the 1st payment. On XX/XX/XXXX
I received a notice from XXXX pursuant to Wisconsin Law for notification addressed to " Spouse of _______ '' of a payday loan with an annual predatory percentage rate of 243.33 % with a total payment of {$540.00} that my estranged husband obtained apparently last month without my permission or knowledge. I have filed for divorce this past summer and a temporary order is filed in the courts awaiting finalization soon. I have been unable to get a hold of a customer service agent for XXXX to let them know of this situation. I am a Michigan resident now and my estranged spouse obtained this loan in Wisconsin.
Second complaint - not a duplicate : I am a customer of Bank of America and have two checking accounts with them. On the last several days, Bank of America has been delaying transactions and posting them several days after the transaction was processed. On XX/XX/2018 Bank of America accessed a late fee of {$35.00} to one of my accounts for overdrafts fees when my account was never overdrafted. Yesterday ( XX/XX/18 ), I had an available balance of {$9.00} and I transferred those funds to my second Bank of America account. Today Bank of America posted another overdraft fee in the amount of {$35.00} to my account for {$35.00} and a transaction from XX/XX/18 was posted to my account in the amount of {$9.00}. 
Bank of America has been using the tactics of holding transactions longer than usual and showing funds as available balance online without the holding or processing transactions and accessing excessive fees to accounts. They are not taking responsibility on their glitch or predator tactics. I have been a victim of those tactics and unable to have those fees refunded by representatives. Today I spoke with XXXX and she refused to transfer me to a supervisor and also refused to reverse the {$35.00} fee. In five days I have been charged {$70.00} in overdraft fees by Bank of America.
This company continues to call me even though I am not the person they are trying to reach. I have told them numerous times that I have no contact with the person they are trying to reach and have asked that they stop calling. They continue to call and immediately hang up. When I call them back it goes to an auto attendant that transfers me to an extension where noone is available and the voice mailbox is full and can not accept new messages. The number that is calling is XXXX ( Univin Inc. )
This is also applicable to Credit Cards. I have a Debit Card with Zions Bank. I planned to travel overseas, but have cancelled my trip because of the blatant fraud. I went to my bank to find out terms for ATM withdrawals and purchases overseas. I was told 3 %, which seems to be standard, and not ( necessarily ) a problem. I asked for the procedure for Currency Conversion. Never heard of it. Technically, it 's called the spread, and one pays half the spread on buy and half on sell. 20 years ago when I traveled for business I used my US Credit Cards because I was simply charged the spread, no additional charges. Spreads on quality Forex, such as XXXX, are XXXX %, meaning one pays an XXXX % " penalty '' fee to buy. Spreads on currencies that devalue fast or are not in demand, are XXXX %, meaning one pays a XXXX % " penalty '' to buy. Both are acceptable. When I pushed my bank, all they could do was quote me the current exchange rate on the particular currency at this very moment. That turned out to be XXXX % penalty, plus XXXX % fee = XXXX %. That 's highway robbery. 

But my bank is not unique. XXXX XXXX did the same, having not educated their workers on the spread. Never heard of it, he said. All they could do was quote me the current exchange rate on the particular currency at this very moment. That turned out to be XXXX % penalty, plus XXXX % fee = XXXX %, also highway robbery. 

There are online discussions where people boast of a XXXX % fee, or no fee, as compared to the standard XXXX % fee, and they have no idea they are paying an additional XXXX-XXXX % penalty of their money in conversion, because they 've never heard of it, because it is not part of any agreement or discussion. 

I asked Zions for my bankcard agreement. It says XXXX %. Nothing else. No word on the spread. THAT 'S FRAUD. 

For comparison XXXX converters at airports take XXXX-XXXX %. but you are a one-time customer and they have a monopoly. 

XXXX banks play the same game. My last trip turned into a disaster, not because I did n't arrive with sufficient funds, I did. But the local bank extracted XXXX % of my money in the exchange. So I ran out of money a month before my departure date, could not pay the {$200.00} fee to change the ticket, and so ended up begging in Malls XXXX for food and sleeping illegally in those same Malls because they had security, who would look for me to throw me out. So long as I eluded them I had a safe place to sleep. I found out that they would never look behind the grocery carts. Yes, I slept on the ground outside. I did that for a month. Never again. 

Solution is easy. Make banks state the fee and the spread on their card agreement for all Forex transactions, and if ATM withdrawals are different from charges, how so. 

If you know a bank I can do business with, please let me know. If i have to pay a XXXX % fee, then i agree to no more than a XXXX % spread, meaning I pay XXXX % worse than spot ( current trading price ) to buy Forex. Or no fee, and a XXXX % spread, meaning I pay XXXX % penalty of Forex. That is, my total limit on losses is XXXX %, I prefer less, but I 'll agree to XXXX %.
I am writing to complaint about XXXX XXXX 's servicing of my student loan. Since XXXX of 2018, I have been trying to apply for an Income Based Repayment Plan ( " IBR '' ) with XXXX XXXX. I have submitted more than 4-5 IBR applications. 

I have spent countless hours calling and speaking with the XXXX XXXX XXXX staff, looking into the status of the IBR applications, completing and submitting additional IBR applications, or trying to locate previously submitted IBR applications. 

Each of my calls and document submissions are noted/recorded in their system. 

I have been told countless time that they have everything they need, the application is complete, and to wait 7-10 business days for a response. 

Every time I call back in to check in on the status of my IBR application ( s ), I am told that they either cant find it, I have to check a different box than the employee directed me to check, or they do not know the status and to resubmit. 

It has been almost 6 months and I have no idea what is going on. 

This is causing me much stress and anxiety to say the least. This may also be causing accrued interest to capitalize on my loan. If the latter is also the case, this has not been disclosed to me and I hope it is not because that would mean that I am being punished for XXXX XXXX 's failure to properly and timely review the IBR application, and failure to manage its document collection system. 

I need the CFPB 's assistance as my calls and requests for assistance are being ignored.
XXXX XXXX sent me an offer via mail for the XXXX XXXX XXXX XXXX XXXX an 8.99 % fixed APR on transfers made within the first XXXX billing cycles. The cards are issued by First Bankcard. I was provided a " XXXX XXXX '' & the option to apply online at the following web address : yourbankcard.com. 
I applied online & never received any information stating that I was approved, much less the credit limit I was approved for. I was never sent an email confirmation or anything similar. 
Not too long after that, I received credit cards in the mail in my & my husband 's names w/ instructions on how to active them. On XXXX XXXX, I called the phone number listed on the card to get more details & it was then that I discovered the card 's limit & that the card was already assigned to me - as in tied into my credit. I talked to a rep & informed him that until my call, I was unaware of the credit limit assigned. Had I known, I would have declined the card. I needed to transfer more than twice the amount XXXX XXXX  assigned as the limit. He & I went back & forth on the difference between " applying for '' an offer & " accepting '' an offer. I find it hard to believe that someone 's application process serves as an agreement to terms that are n't provided. I do n't believe it 's moral to provide partial information to lure someone to apply for something & use the application as a binding agreement to unstated terms. 
The XXXX rep I talked to on XXXX XXXX said the terms were provided during the application process, yet when I asked for a copy of the terms he was referencing, he nor his supervisor were able to supply them. Furthermore, I was told that " if the terms were n't provided during the application process, they would have been sent with the credit cards. '' However, that 's my point : I do n't want to discover the terms after I 'm already committed to it. I want to know the terms ahead of time so I can decide if the offer fits my needs. I want this card removed from my credit history all together, not just closed. 
In addition, my smartphone will not clear data from the website " yourbankcard.com. '' I 've even conducted a hard reset, yet that website retains the same amount of data. I applied for the card on my laptop, & my phone is n't synced to the laptop. Any insight on removing this data would be appreciated as well.
A massive problem ; I had a dispute with a copy in XXXX. They said, if I would end the dispute they would refund me. The issue is I do not know if I can trust them. I told this to the capital one agent who called. She said she would three way me on the phone at XXXX today. I see she already reversed the dispute without my permission and I am very upset. I do not like liars and I have gotten a lot of them from Capital one.
I am actually an attorney and the misuse of my credit report when there is supposed to 100 % accuracy, 100 % verifiable information, and 100 % timely information is causing grave damage to my credit report. I have provided proof of that my name is not properly showing, and a myriad of inquiries that do not belong on my report. Please remove incorrect names, and incorrect addresses, and the erroneous reporting of my date of birth as a XXXX, which misleads anyone looking at my report to think I am either deceased or do not exist. 
The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing correction of the information within the 15 days. 

Please remove the following inaccuracies and inquiries from my report, and update to ONLY the current information : Date of Birth is XXXX - PLEASE CORRECT THISXXXX XXXX BANK XXXX XXXX XXXXBanks and XXXX & XXXX BANKBanks and XXXX & XXXX XXXX Credit XXXX XXXX XXXX ADDRESS PLEASE REMOVE : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ADDRESS PLEASE REMOVE : XXXX XXXX CT, XXXX, OH XXXX