WillisBack/dataset-financial-user-claim huggingface dataset:
Chase bank closed me accounts by sending me a letter, telling me they wanted to end their relationship with me and was closing my accounts. 
The letter said they would mail me funds in 1o business days. They did not do that. It has been over 30 days. When I call they give me NO reason for the closure and tell me the account is under review and investigation. However, I owe the bank nothing and they are holding {$35000.00} of mine without giving me any reason why their still holding my funds accept their still under review. This is totally unfair and not reasonable that they can just keep my money when there is no court order or legal authority that has put a hold on my funds. XXXX XXXX and XXXX XXXX told me they are holding my funds fo review, But is has been more than a resonable amount of time for this review and when I all XXXX with Chase Executive she tell me nothing when I ask repeatedly, " why are they holding my funds '' " what are they investigating '' She tells me she does not have a reason. this is crazy. I have no debt and never had any defaults with this bank and owe them nothing. See attached letter.
I got an online loan through the company XXXX and paid off my debt. My wife got a a call from High Point Asset Inc, saying that I owe a debt. They disclosed all my personal information to my wife without my consent, said that they would call the police on me, and said they would prefer that I pay them with a pre-paid card. My wife asked them to send me a verification of debt through XXXX XXXX, which they did. The verification of debt did not have an original account number for my loan, their address of the business is a XXXX, my apartment number was n't listed, and did not include information about my rights under the federal Fair Debt Collection Practices Act. Also, the company they are collecting for is no longer in business and XXXX has listed that the former lawyer be called if another debt collection company tries to collect on their behalf. I have proof that my debt was paid.
This is in regards to my XXXX XXXX 's credit card. This was my first time ever dealing with them. I went into the store in XXXX to use a gift card from my husband. After getting my items, the sales clerk offered me a store credit card, which she advised me that theirs does NOT do a credit check. At check out, my transactions were handled by another clerk who processed my purchases and the application. I had to insert another major credit card which I believed was for verification of credit worthiness. I was approved and provided the information for my credit line. 
I have since noticed that there were credit inquiries made to multiple credit reporting agencies. 
I contacted XXXX XXXX 's card company, XXXX on XX/XX/18 to discuss my concerns. I was advised that the inquiry into my credit can not be removed even due to their sales person 's incorrect information. He only said he wishes the store sales people were trained better. This does not help my situation. I did have him pay off the balance and close the card as this is not a company I want to do business with that provides incorrect information just to get a sale. This is unethical sales practices. Consumers should be provided full and actual information at the time of account opening.
In preparing to apply for a mortgage, I discovered a notice of collections on my XXXX  credit report for {$770.00}. The collections agency was XXXX XXXX XXXX in XXXX XXXX, Washington. 

I attempted to contact the company via their online contact form on XX/XX/XXXX and received no response as ofXX/XX/XXXX. I have also contacted the collections agency via telephone today ( XX/XX/XXXX ) and  they couldn't find any debt in my name or with my date of birth. They also confirmed that it was my social security number on the account and nothing else. 

I discovered via XXXX that the collections was for debt owed to XXXX XXXX. I have never done business with this company and do not owe them money. Upon contacting XXXX, they confirmed that they had no record of me as a customer. There was an account opened using my SSN, but not my name, date of birth, or address. I do not now, nor have I ever lived in the state they service. 

It seems highly irresponsible to report a debt on my credit report that does not match my name, date of birth, state of residence or any other information other than SSN.
" Acknowledgment-receipt of inquire Plan language? 
XXXX XXXX, 2016 & XXXX XXXX, 2016 XXXX XXXX Senior vice President Wells Fargo Home Lending? 

Idenity theft? 
No contract? 
if cross selling, it as not authorized by me? 
Media Suspension for 1 Year? I cant tell? I am not satisfied? 
They continue to write? 

Fine print on bottom of correspondence? Wells Fargo Bank NA NMLSR SAFE Act? 

Spells my name XXXX XXXX XXXX XXXX?
please find attached the creditors letter for which they have approved of the delinquency being inaccurate for my XXXX  accounts ( letter attached ). 
i have already received approval from the creditor to have this inaccuracy removed therefore please help to have the credit reporting agencies remove these negative marks as well thank you
DITECH is keeping me from paying down my mortgage. I send extra money to my mortgage processor Ditech. It was XXXX. I 'm trying to pay off early. I 've been doing this for years without issue. My payment is {$540.00}. {$210.00} principle, {$220.00} interest, {$100.00} escrow. I sent {$3000.00} on XXXX/XXXX/16. They did not apply the extra to principle but charged {$670.00} interest, {$320.00} escrow. I called to have this corrected. Then on XXXX/XXXX/16 they backed out {$1500.00} including {$830.00} principle. Basically increasing my mortgage instead of reducing it. I called again on XXXX/XXXX/16 and they told me they put some funds from my last payment into an un-allocated account without telling me. My check specifically state to apply overpayments to principle. Do n't they have to apply it and not sit on my payments for 40 days now. This ca n't be legal.
Money stolen from Citibank account 2 times in a 3 day period through unauthorized ATM withdrawals. 
Bank failed to cancel ATM card after XXXX incident was reported. 
Bank has made me open at least XXXX separate investigations claiming system problems, to deny having an open investigation for the fraud.
I used to have my mortgage through XXXX XXXX but KeyBank took over its operations last year. After the takeover, I did n't update my payment information for my online checking account. I made a payment on-time in XX/XX/XXXX ; however, my bank sent the check to KeyBank 's XXXX location ( where XXXX XXXX was headquartered ). KeyBank sent me a letter telling me payment was late. When I called to explain what happened, I was told to call my primary bank ( XXXX XXXX XXXX ) and order it to cancel the check. Thereafter, I had to issue a new check to Key Bank which I did right away. I asked the agent if a late fee would be assessed and he said he would look into it and note my request on the file. I said that I would n't think a late fee was fair as I obviously tried to pay on time and could document that effort. I have no other history of late payments. KeyBank ultimately did charge me a late fee of {$67.00}. I called on X/XX/17 asking to have this removed and was told that it would not be removed as I should have updated KeyBank 's payment information. I only made 1 payment late ( the payment at issue ) and am upset that given the error was because of a corporate takeover, the fee is not being waived. Because of this fee, I suspect I will not be able to get PMI waived when the mortgage value reaches 80 % ; I estimate this will cost me $ 1k - $ 2k.
I was contacted by XXXX XXXX XXXX on my mother 's phone they said that they would be submitting my debt from XXXX XXXX XXXX  to XXXX County to serve me with a court date if I did not pay. I called this company to set up a payment arrangement for {$730.00}. I completed payments on XX/XX/17. I never received a final payment statement showing the account was paid off. I have since been contacted by another collections agency for the same debt who said that they bought this debt directly from XXXX XXXX XXXX. They did not show any records of my payments. I have since tried to contact XXXX XXXX XXXX via all 3 numbers in my submitted document. One number is disconnected and the others do not ring at all. I am very upset as I do not have expendable funds. I am now paying the new company who has the debt. I googled this company and see may complaints of the same thing happening to other people. Their address I found via one complaint form is a XXXX box. This is a complete scam and I want my money back.
We keep getting called by XXXX, upon answering the message says this is a debt collection call, press # to speak with someone or it just forwards our call to someone. Name of Company : Allied Interstate looking for " XXXX '' They have been calling repeatedly for a month now even though we have contacted the company by phone.
I am eligible for a HAMP refinance but because of a bankruptcy over 7 years ago, my bank will not process the loan. My house and car were supposed to be reaffirmed and.the proper boxes were checked in the bankruptcy paperwork but my lawyer must have gotten sick and passed away before he processed the reaffirmation. When I asked if it was something I did wrong, I was told that it should have been handled between the lawyer and the bank and I didn't have anything to do with it. Meanwhile, I am told I would have to open the bankruptcy back up to handle this and it would take more money that I don't have. I am trying to refi the house to be able to stay in it. I am working as hard as I can as a XXXX XXXX XXXX XXXX XXXX and am suffering every summer with no pay. 
I have talked with the refi people at Wells Fargo and they say it is my problem, I have talked with a bankruptcy attorney and they say that I have to pay and reopen the bankruptcy. Meanwhile I am slowly going under. I did do some research and found that the bank can reaffirm the loan but they refuse to do this. 
Please help me! 
Sincerely, XXXX XXXX XXXX
On XX/XX/2018, All Three Credit bureaus : XXXX  XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX were notified and informed that there is negative false Negative Public record information reported on my credit report and states it was reported by United States Bankruptcy Court XXXX District of Georgia in credit files maintained under my Social Security number. 

Upon reviewing a copy of my credit report, I see an entry listing false information obtained from an unnamed 3rd party on my credit report on XX/XX/2018. 
I challenged the accuracy, compliance and reportability of this listing and requested all three bureaus to validate this information with United States Bankruptcy Court XXXX  District of Georgia, and requested them to provide me with copies of any documentation associated with this account, bearing my signature and that the information furnisher is in fact the United States Bankruptcy Court XXXX District of Georgia. In the absence of any such documentation bearing my signature and any information documenting confirmation from the United States Bankruptcy Court XXXX District of Georgia as the reporting agency, I formally requested that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note they all had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), including their Method of Verification. I did not consent to XXXX, XXXX, or any means of automated verification. 

I also received proof from the United States Bankruptcy Court XXXX District of Georgia clerk 's office in which they confirmed that they do NOT furnish information to any third party, including the credit bureaus ( attached ). 

XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX  all completed Investigations and refused to delete this false information from my credit report after confirming the entry listing was information obtained from an unnamed 3rd party and reported on my credit report.
The response by Paypal to my complaint # XXXX is horrible and plenty of false and misleading data. I am also very dissapointed with that CFPB closed that complaint as it should remain open. Therefore, this new complaint is a follow-up complaint. The first lie from Paypal is about an alleged email message supposedly sent to me on XXXX XXXX, 2015 stating the reason for the lifting. However, no explanatory message was emailed to me from Paypal. I also must deny that a copy of my XXXX XXXX was not submitted as I faxed it 3 times at least and its reception was confirmed in a phone call, which was answered by a VERY RUDE Paypal operator ( an usual trait in Paypal agents ). I am a US XXXX and the fact that during a period of time I logued in from outside the US was due to the fact that I had to travel overseas for the serious illness my mother was suffering. It is a BIG FALLACY from Paypal to conclude that I am a resident of another country because of the login sessions to Paypal .... for instance, it is not necessary to be a computer specialist to know that many Internet providers work with international IP addresses. Perhaps immigration offices should determine resident status based on Paypal loguin sessions : - ) Really Paypal behaves in a very stupid and childish way ( not to mention their self-opinionated ego ). Paypal did NOT act in good faith!! ALL the information I provided is true and valid and as a proof Paypal verified both US bank account and credit card. It is a BIG FALLACY and LIE from Paypal to state that there is risk associated with my account as I never had any dispute or payment challenged. My account is COMPLETELY risk-free as Paypal will never experience any loss with my account.
On XX/XX/2017, I discovered that a check I had written for {$160.00} to XXXX XXXX XXXX, a medical facility, had been cashed for {$2600.00}. I went to my Citibank branch that day, and I was told that it appeared the check had been stolen from the mail and " washed, '' then altered to change the amount and the payee. The bank branch said this was a common problem in our neighborhood, but that my funds would be restored. I completed as affidavit for Citibank that day, and included a copy of the canceled check which Citibank provided me, which shows the altered check was changed to payee XXXX XXXX, a name I have never heard of, and which is clearly written in a handwriting that does not match my signature. I also provided information showing that I had to pay the correct payee, XXXX XXXX   and that they had not received the original check.

I have asked Citibank several time if the funds can be restored to my account while the bank pursues the fraud, but they say that is not possible until the fraudulent payee returns the money. I believe Citibank is responsible for going after the funds and should credit my account in the meantime.
My credit report have these inquiries that are unknown I did not give this company permission to run my credit I did not apply for no mortgage loan
this orignal account was paid and agreed to be removed from my credit reports. when disputed with XXXX and XXXX,,, this account was removed from my account,,, however,,, XXXX continued to continue reporting this as accurate information even though i had disputed correctly and given documents of proof.
I am very disappointed with Experian. There are inaccurate items on my report dragging my score down about XXXX points. Please find the attached letter of said inaccuracies.
Unauthorized withdrawal from my checking account - I have a Citi Costco and an online bill paying account. Last month, I had been trying many times to pay online on different days but not successful. I ended up mailing in a check to pay in full. Then I check my citi online account and they took money out from my checking account, I never rec 'd any confirmation ( signed up for text alert for account changes ) ; I am not enrolled in auto pay but it says online that the payment was scheduled on XXXX. That means I paid twice last month. Called last week for the money back, not happening ... then called again today ( XXXX @ XXXX EST ), they told me it would take up to 30 days. Customer Service Rep XXXX was so rude as well, unacceptable!
Genuine Debt Solutions calls me repeatedly about a debt I owe. Their number is XXXX or XXXX.
Capital One reposessed vehicle after agreeing to payment plan. Failed to follow through with payment plan after agreeing to split up past due amounts into 3 payments. Capital one refunded payments after they were made and became posted to the account for no reason given. Reposessed Vehicle and failed to notify owner of location of vehicle for over a week violating CA repo laws. Illegal repossession took place as the repo company failed to produce documents related to vehicle after requested then contacted Law enforcement after being asked to stop taking vehicle when vehicle was attempted to be removed when owner was in the vehicle. Owner jumped out of vehicle after vehicle was lifted and by tow truck and attempted to be taken while owner was inside vehicle jeopardizing safety of owner. MOst of monthly payments have gone toward interest charges and charges associated with the full length of the loan not actual interest accrued. Other wise car loan should be considered quashed for failure to offer services made to other similar customers who have suffered hardship situations prior to terminating agreement. Credit report is not reflected with history of account as it should be. and all payments are showing refunded when they have not been. total amount due is not reflecting any payments made.
I was contacted by Weinberg Mediation Group with a recorded message insinuating that legal action was pending against me and that the " authorities '' in my " jurisdiction '' would be notified that I was uncooperative with efforts to resolve a " legal matter ''. The intent of the message was clearly intimidation and left the impressive that I would be in serious legal trouble if I did n't not make an immediate payment to this company that I had NEVER had any previous contact with. 

I made a call back to the number that called me and my spouse spoke to a woman who refused any information and stated she did not have to verify the debt, that it was my responsibility and when asked that they contact me only via USPS she disconnected the call.
I can not reach a live customer service rep. when I call Seterus at XXXX so I am asking for your help. My mortgage servicer, Seterus, has been collecting my ARM Loan for many years. The interest rate typically changes every XXXX or XXXX according to the LIBOR rate and Seterus, notifies me in writing every XXXX if there is a change in my XXXX and subsequent payment amounts. Going back, my monthly payment as of XXXX XXXX was {$580.00}. My monthly payment temporarily changed earlier than the normal XXXX of each year to {$590.00} for XXXX, XXXX & XXXX XXXX. No explanation was given for the higher payments in XXXX, XXXX & XXXX. That had never happened before in the 12 years I have been paying my mortgage. Then as expected in XXXX XXXX it changed to {$580.00} according to the LIBOR Rate at that time. My monthly payment has stayed {$580.00} up until the present time as I have not received any notice from Seterus that my payment went up or down in XXXX XXXX. I assumed the LIBOR rates had not changed so my payment would logically stay the same. The last payment I sent early to Seterus of {$580.00} was for XXXX XXXX. The automated voicemail system at Seterus confirms they received the XXXX XXXX payment of {$580.00} on XXXX XXXX, XXXX. Since my Chapter XXXX Bankruptcy was discharged a few years ago, Seterus never sends me monthly statements any longer. But now I have received an Account Statement letter from Seterus saying I owe them {$1200.00} by XXXX XXXX, XXXX. The statement says my Monthly payment is now {$600.00} and under a heading titled Activity Since Last Statement, they are charging me a late fee as of XXXX XXXX, XXXX of {$21.00} implying I did not make the XXXX XXXX payment. First of all, I do n't get statements from Seterus and secondly, I am not late on my XXXX XXXX mortgage payment. They received the {$580.00} earlier on XXXX/XXXX/XXXX. Plus they list {$87.00} as Other Charges in the total of {$1200.00} they say I owe them. It is not my intention not to pay my mortgage. But if I send them {$1200.00} then Seterus is collecting twice for XXXX XXXX as they already accepted {$580.00} on XXXX/XXXX/XXXX for my XXXX XXXX payment. I can see them saying I owe them XXXX if that is what my monthly payment went up to back in XXXX XXXX. I just wish they had notified me of the change. So I am going to send them {$600.00} and a letter of explanation of why I believe their Account Statement Billing is in error. But I also think I need your help as a go between. Thank you very much.
This complaint is regarding the accounts XXXX   XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX After sending dispute letters to Transunion, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me
XXXX XXXX XXXX XXXX Con star financial services, LLC Last XX/XX/2018 I had a motorcycle repossessed.voulentary. XXXX XXXX XXXX XXXX sends me a bill with a breakdown totaling over 1000.00, but the motorcycle was sold for only 200.00 less then what I owed. After speaking with XXXX XXXX I told them I would gladly pay XXXX owed but felt that these other fees were the responsibility of the customer, the individual who purchased the motorcycle at auction to pay. After zero resolution, I receive a letter from constar financial services LLC a collection agency attempting to collect XXXX, it appears that they are attempting to collect XXXX XXXX for XXXX XXXX that XXXX XXXX claims I owe.so I made it clear on a telephone message that in a situation like this nobody is getting paid unless a judge and jury sayes I have to pay and that I felt strongly that a Connecticut judge and jury would agree. With me, after seeing the breakdown of the bill, that I owe XXXX
On XX/XX/XXXX my Chapter XXXX Bankruptcy was discharged, and Ocwen was included in the Chapter XXXX. 
In XX/XX/XXXX I applied for a loan modification with Ocwen. 
In XX/XX/XXXX, I was approved for a XXXX loan. I as well as Ocwen signed the documents. 
Since the modification, Ocwen reported my payments to the XXXX main credit bureaus MONTHLY. Which helped build my credit. 
In XX/XX/XXXX, my credit score with XXXX was XXXX ( fair ). I got credit card offers and was approved for XXXX credit cards. 
In XX/XX/XXXX, Ocwen sent me a letter stating they had reported in error and contacted the XXXX main credit bureaus, and told them my account was closed, removed all of my on time payments, and now refuses to report my payments. 
in XX/XX/XXXX my XXXX credit score dropped to XXXX ( poor ). Now I have been denied an auto loan, and multiple credit cards. 
I would like Ocwen to report my payments, but since they cant, and ruined my credit. They should be fined.
A request was made through customer service to stop an online payment scheduled from Chase Bank. 
The payment was stopped and the amount was credited to my account. I had informed the merchant that I am stopping the payment as I had already paid them and the merchant acknowledged the same. 
However the bank delivered the cheque to the merchant, and Chase customer service did not informed me that the bank will deliver a cheque to them irrespective of stop payment. The merchant submitted the cheque which was bounced and their bank charged them {$50.00}. 
I have to pay for it as my bank delivered the cheque. 
There is a flaw in the chase online payment as they should have informed me that cheque will be delivered and I could have communicated same to the merchant.