WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I received my annual PMI disclosure notice from my mortgagor, XXXX XXXX, along with my mortgage interest statement. The disclosure properly contained a notice under the Homeowners Protection Act of XX/XX/XXXX, that PMI should be cancelled on my account on or after either of the following : ( 1 ) the date the principal balance of your loan is first scheduled to reach 80 % regardless of the current balance or ( 2 ) the date the principal balance of the loan actually reaches 80 %. When I called XXXX tonight to acquire about ( 1 ), I was given false and misleading information. I told the customer rep that under the terms of my original loan agreement, that the scheduled date should have occurred 7 years after I first signed my mortgage in XX/XX/XXXX. She first said that they can't give me a date when the loan was scheduled to reach 80 %. She told me that I just have to wait until it actually reaches 80 %. When I told her that her statement contradicted by the notice I received from XXXX and also was in violation of the law, she then actually pulled up the actual notice that was given to me so that she could see that the statement she provided over the phone was in error. She then said that because I had modified my loan, then they can't give me a date. I told her that the loan modification doesn't eliminate XXXX ' requirement to follow the law and abide by and provide an amortization schedule of when the loan is scheduled to reach 80 % of the balance. The entire time the representative was talking to me, she was also getting guidance from a supervisor. This tells me that both your regular and management employees are poorly trained and not knowledgeable about important laws impacting your business.
On XX/XX/XXXX the bank charged me {$26.00} just because the the monthly payment of {$3000.00} which I made from my other bank was posted onXX/XX/XXXX instead of XX/XX/XXXX.

XX/XX/XXXXbeing XXXX XXXX  and bank holiday caused a minor just 2 day delay. The 2 day interest on about {$3000.00} came to be {$26.00}. I tried to call the bank to explain them the situation but the representative/supervisor wouldn't listen to me and was very rude.

I think this amount of interest just for 2 days is not a fair business practice and not acceptable. It would have been okay if it was for whole month. I was hoping the bank tele-representative would understand that and give me a favorable resolution. He didn't. When I said that I would rather close the account as this is ridiculous, he didn't care.
Never received bill for these services which should have been paid by my insurance. I wasn't aware of this bill until I pulled my credit report 7 months ago and saw this was in collections, negatively effecting my credit
I purchased a car with a loan from Santander USA. Due to my being XXXX and limited toa fixed income, I got behind on my payments. Santander made an agreement with me to allow me to pay a certain amount and have time to catch up the payments. After I had paid the agreed upon amount, the vehicle was repossessed within a week. This was after paying them for almost 3 years and having a little more than a year to go on the loan. They sold the repossessed car, by their choice, then reported a debt on my credit report of more than {$1500.00}. 

The negative report they have given me has blocked my credit for the past 3 years. I 've asked them to remove this debt from my credit report since they repossessed the car AND sold it. - They 've left me with nothing after all the money I payed them and they are ruining my credit with this unfair debt.
Target, has provided incorrect information on my credit report and the payment system that they used inadequately had problems processing my payments and the money was in my account each time. I want the adverse account information removed from my account. It was their fault for the lateness.
On Friday, XXXX XXXX, I logged in to my Bank of America Mobile Banking app to check my balance. A XXXX transaction had posted earlier in the day, leaving my account with a negative balance of - {$3.00}. I had {$4.00} transferred to the account to re-establish a positive balance. Later in the day, unbeknownst to me, another transaction posted ( perhaps a tip at a restaurant? But I really have no I idea ) leaving me with a negative balance of - {$2.00}. I was not notified that my account had overdrafted, and I did not discover this until XXXX on XXXX XXXX, too late to put {$2.00} in my account. I was provided with no notice of the overdraft, even though the Bank claims to provide courtesy balance alerts of their own initiative. So, I was charged a {$35.00} overdraft fee. I called customer service, where I was treated rudely and impersonally. I asked for a refund on the fee, which they did not provide, even though I acted in good faith to maintain a positive balance. It has been my experience that transactions with Bank of America post after XXXX, and I am confused about the timing of this transaction, and upset that I was charged the fee, when I could have easily funded the account had I been notified of the situation.
I went in person, to open a new account with US HSBC. They had a promotion for opening a new HSBC Choice Checking, Advance, or Premier Checking Account. It was explained to me, you would receive a {$350.00} bonus if you signed up. They did not inform me of any other obligations nor did I had to sign off on any terms. I went ahead and signed up, and never received my bonus. When I complained, Customer Service informed me later there is an obligation to get that bonus. But it was never in writing, so I wish to issue a complaint about the bank. This is false advertisement on their part and do not want this to happen to others too.
At the beginning of XX/XX/2018, I applied for a XXXX XXXX XXXX XXXX   Business Checking account. I opened the account because I saw a promotion online for : " To earn a {$250.00} cash bonus, open a new Free Business Checking or any Union business checking account, maintain an average balance of {$2000.00} or more during the first 60 days and make any combination of 8 qualifying transactions by debit card at merchant locations, check, or online bill payment within the first 60 days. '' On XX/XX/2018, I received an email from an account administrator requesting business verification documents. I provided the requested documents on XX/XX/2018. 

During the rest of the month of XXXX and beginning of XX/XX/2018, the bank requested additional verification documents, to which I provided in a timely manner. 

On XX/XX/2018, it was informed to me that my account opening was successful and in order to open the account, an opening deposit was required. I was provided a mailing address to mail a check to, to which I provided. The check was cashed and deposited in my account on XXXX. 

Based on the extended process to get the account opened, I was under the impression that I had 60 days from XX/XX/2018 ( account opening date based on all correspondence I received ) to meet the promotion requirements, per the terms noted above. 

However, in the beginning of XX/XX/2018, after a follow-up call, I was informed that my account was actually opened on XX/XX/2018, and that the 60 days were nearly elapsed. At this point it was infeasible for me to actually meet the promotion requirements. 

I moved forward and actually completed the promotion requirements based on my understanding of the effective account open date of XX/XX/2018. 

I reached out to Union Bank via phone and email ( XX/XX/2018 and XX/XX/2018 ) to reconcile this issue, which was cause by the Union Bank elongated account opening process, to which no responses were received. I am now contacting the CFPB.
On XXXX/XXXX/XXXX, there were XXXX deposits ( XXXX checks ) made into my and my son 's checking account for the amount of {$1400.00} each, totaling {$2900.00}. Subsequently, on XXXX and XXXX there were XXXX withdrawals for {$1400.00}, {$70.00}, and {$1400.00}, totaling {$2900.00}. The deposits and withdrawals were unauthorized and not ours. <P/>The checking account was restricted by Chase, JP Morgan on XXXX due to the checks being fictitious and were therefore returned to me. The bank also charged {$48.00} total for service fees of the XXXX returned checks. <P/>The checks were from a company called XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, New York, with the bank check routing numbers being from an account in California, and the fraud was committed at an ATM in XXXX, Illinois. <P/>The checks were not my son 's, nor do they match his signature, we have proof we were in XXXX at work and school. There has never been in the history of the checking account any ATM deposits until XXXX/XXXX/XXXX when these transactions occurred. <P/>I contacted Chase on XXXX in person at a bank, then again called on XXXX and filed claims about the deposits and withdrawals. All of my claims have been repeatedly denied. I escalated the denials to Chase Executive Office via a Chase Bank Branch Manager. Chase repeatedly tells me that I am being denied due to two reasons : 1 ) the account was being " monitored '' and 2 ) I did not submit the claim in a timely fashion, when federal law states that I have two years to file a fraud claim. <P/>I have even contacted the company in New York and researched them on-line and contacted them and they are obviously not willing to fix this problem either. <P/>On XXXX/XXXX/XXXX, XXXX XXXX from Chase Fraud in  XXXX, Ohio ( who was the specialist in charge of my account for this situation ) told me that he froze one of my accounts and it will remain that way until I pay the negative balance on my account. After our discussions, he did unfreeze the account but withdrew the {$2900.00} from one of my other accounts instead to make the account positive and in positive balance standing. <P/>I did everything I was supposed to do. We have excellent credit history not just with Chase but all of our financial institutions. We have NEVER filed a claim before with Chase or anyone else. I have filed a police report and have the report number. I want the {$2900.00} back that was stolen from our account and that Chase in turn deducted from me when there is blatant fraud that was committed and they repeatedly deny this to me. <P/>The company already has ALL letters, signed claims from me, proof of signatures and has been offered attendance records from my son and I at school and work and they did not ask for these. I even suggested for them to obtain the ATM video from the ATM in Illinois and obviously they did not do that.
I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX, NC XXXX are the accounts that are fraudulent Account XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX # XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX /XXXX XXXX / XXXX consultant XXXX
well XXXX they gave me some insurance on the car told me it was all the life of a long for {$800.00} but in 6 months it was cancelled because that 's all I went for and they told me that I can get license plates and everything with that when I got it so I stop paying for my own insurance because this insurance and they told me a lie I could n't get plates with this because it 's not in XXXX that 's {$800.00} they still have any pain the long should be paid off they still coming at me so I need help because the car is paid off they called third parties on me they did a whole lot of stuff today shoulda called me all types of hours change dates they did n't tell me nothing about this is so messed up company
AFNI keeps calling me at work several times a day. I 've told them not to call me at work. Whatever debt is allegedly owed, they have my home address and please mail me whatever paperwork they have. I still keep getting calls from their automated system.
On XXXX/XXXX/XXXX, I upgraded my amex XXXX XXXX  card to an amex XXXX XXXX card for an upgrade offer ( offer code XXXX ) of XXXX bonus points after meeting XXXX} spend ( attached, XXXX offer ). I met the spending requirement during my first statement cycle ( attached, XXXX statement ). The terms of the offer ( attached, XXXX terms ) stated points will be awarded within 6-8 weeks of meeting the spending requirement. After not receiving the offer points after the 8 week deadline, I reached out to amex. A case was opened on XXXX XXXX XXXX ( case # XXXX ), with a resolution time of 6-8 weeks. After the 8th week, I again contacted amex for information on the resolution. I was told no decision was made and that another case will be opened. This second case was opened on XXXX XXXX, XXXX ( case # XXXX ) with a resolution time of 6-8 weeks. Almost one month has passed during this second case, and I am again told that Amex is waiting for the XXXX department to award the points.
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. The account I am disputing is : XXXX Acct : XXXX Reported For : Transactions involving items or checks returned as uncollectable
morgage company refused payment after we reported the co owner/payer has XXXX. 
we then tried several covernment programs and XXXX refused that too. stating they are a private company and was rude. seting it in XXXX for forclosure. we then filed bancrupsy and the court ordered them to take payments, for XXXX would say sall or nothing. during the bancrupsy which was to be put tward the principle, they put it all on intrest and escrow XXXX keeping it there then mis reported the ows to the court, and did not give us the proper acounting for the loan. also complained that they were going to work with us. and they kept refusing payments unless forced by court. they used the XXXX mis reported taxes to the court to increase the trustee 's pay we were to paay to increase it over our fixed limit, income as we sold all our buisness assets and items to cover it. finaly we could not pay the payment and beged the court for help. the lawyer who was to take care of it just added alot of fees and did not take care of it. the case had to be dismissed. then we called XXXX they said they are to forclose and gave us a false incorect statement, asked more for the loan then we started the loan in XXXX and used multiple tricks and huricane harvy court offices being closed front door step to forclose. then their own employee bought it. we have apealed it and not still trying to get them to coaperate. note me and my wife are totaly XXXX. and they would not listen or do anything. we calculated the home to have less than XXXX left. and the trustee payment info does not match their statements. they did not put the payments proper and did not do as the plan stated. we can not afford the lawyers for we paid alot to them in the past and got no where. we are still geting taxes from the XXXX lady for the house. and they are using the forclosure to whipe out the records so it can not be seen. can someone please help us they have been doing stunts. also the lawyer that went against us decited that they will not represent XXXX after seeing the stack of evidence we reported and what they had done. every lawyer took a look at my wife and felt bad. including the judge. we have not got any return or records from XXXX unless we request it and what we got back is false and incorect. we have not ever recieved a XXXX tax form.
A capital one 360 checking account was established on XX/XX/XXXX. On XX/XX/XXXXI attempted to link this account with XXXX for fund transfer for investing. I was unable to complete the process getting an error message " Capital one is blocking you from enabling external applications ''. I called capital one and talked with a supervisor and was told the were blocking me because the account was new. This may go away after 15 or 30 days. But he also added it may not.
Green Tree collection agency is reporting that we owe them {$400000.00} on a XXXX purchase money loan. They have sent us a letter saying that we do n't owe them the money, but refuse to stop reporting it to credit reporting agencies. This is preventing us the opportunity of refinancing our home. We have been working to get this resolved since late last year ( 2014 ).
I have been receiving multiple phone calls over past few weeks  (  middle of  XXXX  through  XXXX   XXXX ,   XXXX   ) about a loan. Most calls are automated. There is not a real person contacting me.   I tell the " caller '' they have the wrong phone number. the automated caller does not understand and keeps telling me to enter my information.   I have written down one number,  XXXX . Another number is also given, but I have not written it down. Sometimes the caller identifies as Navient, sometimes as  XXXX , but I am unable to write her personal number and extension fast enough.   They want to talk to  XXXX . I am unable to understand that person 's last name.     When I called the CFPB, I was told that Navient provides student loans. I have never had a student loan nor have I ever co-signed a student loan. No one in my house has a student loan or co-signed a student loan.     Please could you tell Navient to stop calling my phone  XXXX . This is harassment.   Thank you for resolving this complaint.
1. I made a CASH deposit of {$1500.00} to my Wells Fargo Credit Card in error at a Wells Fargo office by mistake. It should have gone into my checking account. When I realized what I had done an hour later I called customer service to have it corrected. 
XXXX, CS told me it would take a few days to get it corrected. I waited a few days and it was not corrected. I called CS again and was then told it would take 10 days. I was in need of the money to pay bills so I tried to call again on XX/XX/XXXX and was told it would take till XX/XX/XXXX to get my money back by CSR, XXXX. I asked to speak with her supervisor XXXX ( sp? ). She told me the same thing. I asked to speak to her supervisor and was connected to XXXX XXXX from Consumer Care Dept and Research and Admin.. He told me he could do nothing to correct this until it was corrected on XX/XX/XXXX. We had a lengthy heated conversation at this point. Bottom line they would not give me back my cash until XX/XX/XXXX ( They would have then had held my cash for 23 days ) just because they said it takes time to process.. I asked for executive office number to file a complaint and XXXX XXXX told me he was it and their was n't anyone else I could speak to. 
I find this to be quite unfair to the consumer. In this computer age there should be no excuse that this could not be corrected sooner or quicker than 23 days. I believe that Wells Fargo is taking advantage of consumers like me and benefiting from the money be held for such a long. Just think, if this happened to other consumers, which I 'm sure I 'm not the only one that has made this type of error or similar error, how much it adds to their bottom line till they have to give it back.. If this 23 days is their process time to correct something, I think their process needs to be look at. and change.
ChexSystems continues to deny my application for banks regardless of countless amounts of inaccurate information and future dating old, fictitious accounts, preventing me from opening new accounts and collecting revenue from their business model of " check credit repair '' I am making sure this is a public complaint.
I receive a credit card from  XXXX   XXXX  Bank on  XXXX    XXXX ,2017  and the company reported the credit card on my credit report within 5 days of receiving the card which is  XXXX   XXXX ,2017. This company did not give me the opportunity to pay down my usage amount before reporting to the credit bureau. I  Thought financial institutes allow you thirty days to pay for your depth before reporting to the credit bureau. I also did not receive a statement from this company yet because it 's to soon to release a statement, but they release my information to the credit bureau without notification.
I have been disputing the charge of {$1000.00} ( order XXXX  XXXX, XXXX tracking XXXX ) since XX/XX/2018, i.e. 4 months. 

I received this package damaged, fixed with tape and no contents inside. 

I did not receive any response to my claim that I sent to both XXXX XXXX and the issuer of the credit card that I used to pay for the purchase, XXXX XXXX ( XXXX XXXX credit card. ) As initially I though that the missing contents was related to the carrier ( XXXX ) I filed a lawsuit against XXXX. As of XX/XX/2018 I obtained a judgment that ruled me go against the Seller of said product. 

Neither the seller, XXXX store, nor the XXXX XXXX XXXX  credit card issuer, XXXX XXXX, resolved the issue as of now.
I have been attempting to resolve issues regarding 2 items that are negatively being reported to my credit files since XXXX of this year ( 2017 ) ; which is hindering my ability to obtain new lines of credit and having a major negative impact on my credit score making it impossible to secure loan for the purpose to purchase property. I do not owe XXXX XXXX XXXX XXXX XXXX any monies ; prior to negative reporting to all 3 credit bureaus I was unaware of this account/ collection. XXXX XXXX or XXXX XXXX XXXX XXXX XXXX has not attempted to reach me by mail phone etc had they did would have given me an opportunity to request an internal investigation on this account. This account is reporting incorrectly is it not mine ; I do not have a contract/ agreement of repayment for these account. Lastly I would like to address the incorrect reporting of Chapter XXXX Bankruptcy this account is also reporting invalidly and I would like both negative entries removed immediately.
Case # XXXX this address that they have on file to verify any bankruptcy is inaccurate. According to the FCRA the bureaus have a responsibility to make sure all information is correct. And According to the letter from the court house in the City of XXXX, Ok this address is incorrect. See attached sheet.
I have tried since XX/XX/XXXX for the bank Wells Fargo to delete the mortgage that my ex has from the credit report. This was a second home that we purchased in XX/XX/XXXX as a vacation home. This is not my ex main house. He always have lived in another home. We purchased this with XXXX XXXX in XX/XX/XXXX. I have never signed any papers with Wells Fargo and when the mortgage has defaulted several times I have attempted for Wells Fargo to take me off the property since the judge when I got divorced gave this property to my ex and it is stated in my divorce papers that I am not responsible for this place as of XX/XX/XXXX. Divorce papers filed at the court house in XXXX XXXX County ( case # XXXX ). Now in XX/XX/XXXX my ex did a modification of this mortgage and without my knowledge or consent Wells Fargo did the modification putting my name as married to XXXX XXXX. In XX/XX/XXXX XXXX XXXX was already married to somebody else not me and I am married to somebody else also and I am not responsible for this property per court papers. I have tried for several years for Wells Fargo to removed me completely without any luck. XXXX , XXXX owes me {$50000.00} alimony from the divorced date until I got remarried, so I have a lien in this property for that amount. Also is showing in my credit report that I am living in all these places where XXXX XXXX live and I do not know who is reporting that if it is Wells Fargo since it is the only thing that unfortunately still being attached to me after 15 years divorced. Wells Fargo says that I will need to find a lawyer if I want this resolved. I had a lawyer and went to court and this should have been taken care of since XX/XX/XXXX.Attached I am also including all the addresses of all the places that the consumer report has me living.