WillisBack/dataset-financial-user-claim huggingface dataset:
My checking account was originally with XXXX, and Key Bank acquired numerous banks in XXXX and mine was included. I did n't change banks because I 'm a widow with XXXX children and we get social security death benefits direct deposited. I 've had this account for several years and never had a problem and if I did it was fair to pay overdraft of course. This year I went through a few bad personal assistants helping me with my biz and personal, and I got behind in my paperwork. But started feeling a tight money pinch every month. I just finally printed everything last week and reviewed it all, and have been a literal hot mess- they charged my account a total of XXXX categorized fee 's, some XXXX times in one day, and 95 % of them were for items they never paid nor were they checks. So far there are months that have over {$600.00} in fee 's, some over {$300.00}, and many just under {$600.00}, every month. They put their fee onto my account, which then makes it negative, and everyday, Key bank tries to claim the {$38.00} fee by attempting again, literally snowballing already {$400.00} in just a few days. My kids need to start school, and this is all money I desperately need to move. 
I reached out to key Bank in XXXX different channels. XXXX was by live chat XXXX XXXX or so, the XXXX was via phone on the number on my statement. The XXXX time I called my branch. I asked them if they had a limit on fee 's, if they knew the laws, and that they were stealing government assistance money for my children. They are all trained to make you feel like a loser, and refuse to help. The branch girl told me about a different checking account on the phone, but said if I closed my current account I would n't get my fee 's back even though they all XXXX said they could do only one. Mosty happen on or after dated of my direct deposit, and after stealing of our government death benefits every month- they wo n't stop charging my account depite opting our verbally and 2 years ago in 2013. 

My check just went in and we paid rent to our new apartment and within a day the fee 's started again. Last month over {$600.00}. I have been burned by every single bank 's greed. XXXX took my house in the recession- I have a small settlement check coming to me which by no means balances the pain of that situation. Key bank has completely halted my move but also business expenses, and in another day more bills will attempt to be paid. 
My statements are all mysteriously missing dates of activity and they happen to be for the same days my checks go in. Somedays they clear things and charge me, some days they refuse to clear my car payment when it is in there, and I am already facing issues with them XXXX XXXX - a nightmare with forced placed insurance on my vehicle, and the returned fee 's from key bank added fee 's every which way between the both banks. 
They should be ashamed of themselves taking children 's money or anyone 's money- it 's not safe in banks anymore! 
I am so disgusted that our country is allowed to do this!
Re : Closed Chase Freedom Card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SS # XXXX Soon after XXXX XXXX, upon finding on my online Credit Card Chase Freedom XXXX Card activity a charge in the amount of {$500.00} that I did not authorize I contacted Chase Freedom Card 's Dispute Department. I was, given {$500.00} credit at once given the circumstances. This credit remained on my account for more than 8 weeks ; I justifiably assumed that it had become a permanent adjustment. 
Furthermore, I notified Chase Freedom Card 's dispute department that I had filed a police report with XXXX authorities against the perpetrator of the aforementioned, illegal transaction. The matter, that of altering/forging a credit card transaction is pending further State prosecution upon my initiation of it. 

I personally closed this account on XXXX XXXX, 2016 due to activity of a criminal nature that had impacted it on XXXX XXXX. The closing of my account which had been affected by unsanctioned activity was suggested by a Chase Morgan Representative as a precautionary measure -- to protect my credit from any further abuse. 

When I closed this account I was assured, in a recorded conversation by the Chase Rep. who initiated my request that my balance was - {$5.00} ; that I would be sent a letter within a week formally acknowledging my closed account along with a check for {$5.00}. Also, I was told by the same Chase agent that no preexisting, pending transactions existed nor were to be expected. 

I surprisingly, received a statement XXXX XXXX, 2016 ( ( Exhibit B ) indicating that I owed Chase Freedom Card, XXXX. 

If this statement is to be taken at face value, it appears to reflect either shoddy bookkeeping or fiscal misbehavior motivated by nothing more than petty, JPMorgan Chase XXXX XXXX greed. I ca n't imagine any banking institution condoling nor enabling illegal credit card behavior. 

If my latter suspicion holds water it suggest some devious criminal credit card conduct initiated by Chase Morgan 's Credit Card Division. 

I have repeatedly requested that they adjust the statement that they mailed me to reflect the pre-existing balance as it had been at the time that I closed my account, XXXX XXXX, 2016. Thus far they have refused to help me in any way whatsoever. My interest continues to accrue plus late fees for a check that was altered and naturally never intended to be tendered in the amount that it had be altered to reflect. Also, I requested that Chase notify XXXX of having done so and, that they mail me the {$5.00} that was indicated as due and owing at the time that I shut down my Chase Freedom Card account. Furthermore, I requested that they send me an affidavit indicating that my account was closed at my request and remains " closed & is in good standing ''. 

Should Chase JP Morgan fail to comply with my expressed appeal within several working days from your receipt of my notice I will be left with no other option than to escalate this matter to any and all higher authorities besides cfpb responsible for regulating their commercial activity. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXXXXXXXXXX
EQUIFAX is reporting an account on my credit report that the subscriber/creditor has told EQUIFAX to delete or remove from the file. 
The account is XXXX XXXX  XXXX, ACCOUNT NO.XXXX. 
FOR VERIFICATION OF THE ABOVE contact XXXX XXXX of S.C.E. LEGAL AFFAIRS DEPT. at XXXX ) XXXX.
XX/XX/XXXX there were {$860.00} worth of charges on my credit card that took me over my limit that didnt have my prior authorization. XXXX XXXX suspended my credit line. I filed a dispute they found out the company didnt have my authorization to charge the amount to my card they credit the amount back to my account and decreased the over the over the amount limit which caused XXXX XXXX to decrease my score on XX/XX/XXXX 126 pts because of the way they worded it on my credit reports. This has been a nighmare to me this is my livelihood I have never been late with this card company and they do me like this. Today i get an alert from my fico that once i paid my balance down to XXXX  they updated my credit report to say loan paid instead of open account as current and paid as agreed. They know its how they word our reports as to how they score us. The status said outstanding loan and loan paid and its never been a loan it was a credit card. They told me last week once i bought my account current they would send me my new card update my account and this is what they do to me.
Back in XX/XX/XXXX i submitted an identity theif disputes along with a official copy of my police report to all national credit agencies once I realized my identity had been stolen. The company did n't follow the FCRA laws regarding information on my credit report due to identity fraud. It states all fradulent items in my name should be blocked permanently and immediately because my private information had been compromised. There are still several fraudlent accounts reporting on all 3 of credit bureaus and I would like them removed immediately or a XXXX dollars in restitution for breaking federal laws. The negative accounts still showing that are not mine are XXXX XXXX XXXX credit cards a XXXX card and XXXX gas card opened in XX/XX/XXXX and a XXXX and XXXX XXXX furniture account. Of course the creditor will be able to verify me because my identity was stolen and used so that 's no excuse to not follow the law.
My student loans are currently being serviced by Pennsylvania Higher Education Assistance Agency. I have had multiple periods of " qualifying employment '' through the Public Service Loan Forgiveness program, but several periods have not been calculated correctly, resulting in fewer periods of qualifying payments. For example, they claim that information is missing from forms when it is not, or they claim that payment tracking can not start when I am still with the employer.
My complaint is regarding the Public Sevice Loan Forgiveness program servicer, Fed Loan Servicing at XXXX ( PENNSYLVANIA HIGHER EDUCATION ASSISTANCE AGENCY ). I have been attempting to go through the PSLF process since XX/XX/2017 after making 10 years of on-time payments while employed with a qualifying employer. Because of the whole " qualifying payments '' misinformation, I was directed to the Temporary Expanded PSLF. I was also denied for this process, again, because I was given bad information by XXXX XXXX XXXX. The entire PSLF process is just a rouse. They make the process purposefully cumbersome and purposefully provide bad information so that they can perpetually deny the applications they receive. It was easier for me to purchase my $ XXXX house than get through the PSLF process. This program never should have been given to a private servicing firm outside of the DOE, and of course, now that XXXX XXXX is in charge of it, nothing moves forward to help student borrowers.
I have been making payments on my Macy Card, the last payment I made was in XX/XX/XXXX for XXXX. I also moved at that time, when I moved I changed my address with all creditors by phone and had my mail forwarded by the Post Office. When I paid my Macy Bill I also included the change of address form with my payment I mailed in, in XX/XX/XXXX. After moving all my mail was being sent to my new address, the only statement that was not being sent to me was my Macy statement. I had assumed the account was paid since bills no longer were coming to me and all my other mail/bills ect were being fowarded. I called Macy today after finding out they reported me 5 months late. I am not late on any bills so it was a shock. During the call that was today XX/XX/XXXX that I made on XXXX Hawaii Time, the lady told me the reason why they stopped sending me bills was because the bill was returned to them, with a sticker from the post office saying I didnt live at that address and I had a forwarding address and that since their servicing dept didnt remove the sticker and update their system that they stopped sending me bills. I gave her my atm card number because they demanded full payment which is fine I pay my bills but they will not issue me a letter or notify the credit bureaus that it was not my fault. She keeps saying all she would do is send me a statement showing I was late. I asked if the error is on your end why should I get dinged for it, that they should issue me a letter to correct it with the credit bureaus so I can fix my credit that was perfect. She said no and that it was my fault cause I should of called back again to change my address that I had changed already. I dont feel that I should be adversely affected since I did my part to update my billing address. All I want is for them to report to the bureaus that I was not at fault and to correct my credit rating. tahnk you
Capital One reported a payment being late more than 30 days, to all 3 major credit bureaus, plus another bureau, not well known. I called a few times, they kept giving me the runaround, they were not able to provide me with the amount " being late '' over 30 days, when due date was and when I made the late payment ( late over 30 days ). They opened an investigation, after which they sent a letter stating that they maintained their initial opinion. My account is on automatic payment. I had a few returned large payments ( I entered the wrong bank account ) but nevertheless I made smaller payments which did go through and covered the minimum payment. My credit dropped 80 points. I am a real estate investor and I can not get a mortgage now. I am also a XXXX and should I decide to buy a dental practice to have a few people working for me, I will not be able to get a loan. One of their supervisors named XXXX was more reasonable, but he did not call me back as promised. They refuse to tell me which payment was " late '' and last time I called they said their decision was final. The only reason they gave me was a bounced payment. They said the payment bounced, so I was late, but that is incorrect, because just one of the 2 payments was returned by the bank When I said : If my minimum payment is XXXX for example, and I pay XXXX ( rejected by my bank ) but I also pay XXXX which is honored, before the due date, that means that I DID make the minimum payment. Was like talking to the walls. They are acting in bad faith and do not want to accept they were wrong. XXXX said that even though the statement ending XX/XX/XXXX shows XXXX minimum due XX/XX/XXXX, I was supposed to make a payment, because of XX/XX/XXXX Returned Online ACH Payment {$7900.00}. I told the supervisor ( XXXX ) : OK, according your own ruler minimum payment would be 1 % of {$7900.00}, which is XXXX dollars. I paid XXXX dollars on XX/XX/XXXX, that is 2 days late, not over 30 days!!. He said yes, but there were interest charges, that was false because that balance was subject to zero percent APR during that billing cycle ( I used a promotion, see screenshot ). He said he will ask a few people and call back, he never did call me back. Please look at the statements. The payments marked with red! did not go through, but nevertheless ALL the other payments met or exceeded the minimum payment requirement. I was never late over 30 days, I am on auto-pay also. The statement ending XX/XX/XXXX showed XXXX minimum due XX/XX/XXXX, they did not use autopay to get what was due from my XXXX account, did not call or send a letter saying that I do have to pay more than XXXX  due to the bounced payment of {$7900.00}. I paid XXXX XX/XX/XXXX, which is 2 days after XX/XX/XXXX, 2 days is NOT over 30 days late, even if a payment was due. I included the statement, payment history and screenshots in a single zip file, capitaloneruinedmycredit.zip, please unzip. Since you are forwarding this to Capital One, I want them to know that I am losing a lot of sleep over this, it really bugs me, and I hired an attorney to look into this matter
As a single mom in need of a reliable vehicle, I purchased a car and received a loan with a high interest rate through Wells Fargo Dealer Services. At the time, I did not know to shop around for loans with lower interest rates. In spite of being taken advantage of, I made every payment on time. I had NO late or missed payments. Currently, I am able to pay the loan off, but they will not process my payment over the phone due to the amount being over {$4900.00}, and they will not process a payment online for an amount above {$800.00}. My only options are to wire the money, for which I will be charged or to mail the payment and allow the interest to accrue for everyday that the check takes to arrive and be processed. While this may be a small amount, for a woman with children depending on her and who was taken advantage of, but still held up her end of the bargain it is an injustice. Wells Fargo Dealer Services seem determined to extract every last cent that they possible can. They have made it costly to get out of this debt.
USBank provided an email claiming " Earn 20 % MORE REWARD POINTS on purchases made with your XXXX REWARDS XXXX Card through XXXX XXXX! '' However, very few people will receive any extra points. Fine print states you first have to spend {$2700.00}. Then XXXX reward points are earned per dollar only on " additional net purchases ''. That 's like advertising 20 % off the last {$10.00} you spend on a {$100.00} shirt, which is really only 2 % off. Most people will use the card more thinking they will get 20 % more rewards when in reality they will get no more reward on the XXXX {$2700.00} they spend.
On XXXX XXXX, 2016 I was online to buy concert tickets from XXXX website, exclusively, and was expecting to conduct the transaction through XXXX or its licensed ticket agency, XXXX. 
Unknown to me, my transaction was hijacked and diverted by a trolling site, prodding me on to select available seats, section, etc., and promptly swept me to their checkout to secure the tickets I chose. 
Once the transaction was completed, I realized I had been duped and defrauded of {$500.00}, as the concert tickets did n't actually go on sale until XXXX-CST, some 10 minutes later. 
I IMMEDIATELY called Capital One-MasterCard to dispute this fraudulent hacking of my computer and transaction, and told them exactly what transpired. I was assured the charge would be reversed. 
It WAS N'T. After NUMEROUS calls, conflicting information from one phone clerk to another, Capital One simply sent the " contract '' provided by the fraudulent " service '' claiming I entered into a contract with, and told me I was out of luck. 
I have gone so far as to file complaints against this " ticket '' company with the Secretary 's of State with both XXXX, and XXXX ( the State in which this perpetrator of fraud conducts business ), and explained how I was defrauded of {$500.00} from Ticket Fulfillment Services. 
I am close to expiration of my dispute claim and, if forced to pay, I will NOT receive the tickets which I had to purchase LEGITIMATELY from XXXX, which is with whom I was expecting to do business with in the first place. 
I had EVERY right as a consumer to dispute and refuse payment for the fraud that was committed. However, Capital One-MasterCard has been completely unprofessional, indifferent, and worthless in protecting me, as their customer.
XXXX XXXX XXXX is still reporting to Equifax when I have the deletion letter that they have sent me on XX/XX/2018! I have faxed this deletion letter to Equifax showing proof but they told me XXXX XXXX was still reporting! If this does not get fixed I will be taking XXXX XXXX and Equifax to small claims for damages!
Texas Office XXXX XXXX XXXX XXXX is reporting, 150 days delinquent on payment. Payment was stopped by the XXXX financial office 6 months ago, due to no required payment from me. XXXX began reporting on my credit report that I am delinquent, latest report XXXX, despite numerous assurances from XXXX staff the credit reporting would stop.
Hi this debt is from XXXX, I submitted to the company a Driver license, my state ID, and my Social Security card and My full passport and my police report. proving I was out of the country for three years. and sign there affidavit and its still not resolved. They want even more info. this account is from fraud.
I am a victim of negative inquiries. I have six negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following six to be removed from my credit report please : XXXX XXXX, 2017 Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This company called contacts on an old debt file from a payday loan. When they contacted my brother on XX/XX/18 regarding this they disclosed personal information such as, we will serve court process at work and he owes a lot of money, which I believe violates my confidentiality. 

I personally called the number that was given to my brother on the same day XX/XX/18, I was connected with a very rude person saying he was a legal consultant named XXXX XXXX. After a conversation with said representative my identity was confirmed via my last four of my social security number. I was told my debt was originally from XXXX XXXX and that my account and personal information with sold to to ACT ( account control technologies ). 

After conversing with the representative he informed me of a law suit pending against me and demanding a certain amount of money ( $ XXXX ) to have it expunged, he then told me I had no choice but to get an attorney. At this point i felt threatened and he ending the call abruptly. 

After learning of this company 's representative 's response I looked up any records of a civil law suit in my last name in the corresponding counties clerk of court only to find nothing regarding this.
I was interested in obtaining a debt consolidation/personal loan to pay off higher interest rate credit cards. I shopped around, reviewing rates at various banks. Wells Fargo ( on their website www.wellsfargo.com ) has a payment calculator for each state, with their rates, so this is what the interest rate reflected was : XXXX for 36 months ( FL ). It does not state an APR range at all, but a fixed APR as XXXX for XXXX months, for the amount I was requesting. 


https : //www.wellsfargo.comXXXXRate and Payment Calculator ResultsThe following are results for Unsecured Personal Loan in Florida. Included are XXXX additional results that show your APR and monthly payment if you select a different term. 

Amount Term APRXXXX Monthly Payment {$6500.00} XXXX months 8.231 % {$560.00} {$6500.00} 24 months 8.247 % {$290.00} {$6500.00} 36 months 8.248 % $ XXXXXXXXReady to apply for a Wells Fargo personal line or loan? Apply NowVisit a store or callXXXXXXXX. 

This is completely deceptive ( UDAAP issue ) since then when I applied that same day, at the Wells Fargo branch in XXXX XXXX, FL ( XXXX XXXX ) I was approved at 12 %! I have stable income and my FICO SCORE is not only Excellent, but the highest range. 

Therefore, Wells Fargo is apparently deceiving their customers by stating the rate is 8.248 percent and then doing a bait and switch and saying the person is approved at 12 % ( with Excellent credit! ). 

I refused the loan, since I can get a 12 % loan anywhere and the whole purpose of the loan was to lower interest rate but wanted to let the CFPB know of this unfair and deceptive practice.