WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint very much concerns Chase Bank in Michigan XXXX XXXX XXXX XXXX. 
The investment account in question at J.P. Morgan Chase Bank is under the name ( s ) of XXXX XXXX born XXXX XXXX, XXXX, XXXX XXXX XXXX born XXXX XXXX, XXXX XXXX plus XXXX XXXX born XXXX XXXX, XXXX. The initial owner of the account illegally allowed the investments labeled as belonging to XXXX XXXX XXXX XXXX, XXXX to be placed in the account. The account owner did not have the consent of XXXX XXXX nor was the account owner guardian over XXXX XXXX investment assets but still manage to have the bank place XXXX XXXX assets in the account. Chase do not possess any documents legally authorizing XXXX XXXX assets being legally placed in the account in question however, Chase is refusing to address that condition. Chase Bank have refused to turn XXXX XXXX assets over to him or as much as acknowledge the account exist being the account is not in XXXX XXXX name. 
Chase Bank have in action without acknowledgement invoked the account confidentiality of XXXX United States XXXX XXXX. In doing so Chase Bank is facilitating the illegal act of fraudulently holding the owner XXXX XXXX assets in the account in question. 
The initial illegal act was committed under the bank named XXXX which was thereafter purchased by Bank XXXX which was purchased by Chase Bank. On theinitial owner of the account death control of the account was by way of will given to the above owners in the period of XXXX still possessing the assets of XXXX XXXX. 
In attempt to prevent necessity of taking complaint of this fraudulent act to FBI XXXX XXXX now bring the Complaint to Chase Bank in its proper light. Surely the illegality of the condition transcend account confidentiality where XXXX XXXX is at issue. 
Very sincere, XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXXXXXX
My Mortgage got sold in XXXX 2015 to Nationstar Mortgage. This company has the worst customer service I have ever dealt with. I am in Customer Service so I do understand how challenging the job can be. First they can not send out the monthly statements. In 4 months I received XXXX. The second only came when I called to ask about it. But when calling the auto phone said my phone number and my my zip code did not match my account. Really? my account zip code is wrong? No, they are a complete mess. The rep told me I can make a payment but NEVER stated that there is a fee to pay my bill that they never sent. I gave her an amount and check number. To end up with Overdraft Fees for insufficient funds. To discover the rep at Nationstar submitted a different amount that we discuss. In my eyes that is Fraud and Theft. A {$19.00} Fee was added to my payment. THAT IS WRONG!! I called yesterday to complain about this. I was put on hold for 5+ minutes when the call was dropped. It took XXXX calls each time this happened and had to explain my story again & again. The reps last night had poor XXXX skills which added to my frustration. I called today to talk to a supervisor. Once again explaining my story and fixing my account, so he said, then finally transferred me to a supervisor. We we had to start over again. But she did state that my account was noted. Are you kidding me!! This company is a nightmare and still do NOT feel confident with them but I have no choice. I can not afford to refinance but I do not the the stress and anger about this account.
I did a balance transfer from the credit card in question on XX/XX/XXXX and as of today XX/XX/XXXX the balance is still showing on my on-line profile and the credit card that I transferred the balance to is also showing a balance. As a result I owe double on my credit file and it has affected my score. Also, I ca n't call customer service to request to close the account. It must be done by mail. Therefore ; I did so on the same day of the balance transfer, but the card is still open.
My Hospital Bill was paid by Insurance company with proper XXXX Discount remaining balance was patient responsibility. But Hospital bill sent to collection department and I questioned the amount mentioned as patient responsibility. Because XXXX discount was also mentioned as patient 's responsibility. I raised complaint on this. Now I see that this balance is reported in my credit history. Insurance provider gave call and lodge complaint to service provider and directed service provider to remove account from collection. 
Collection service is not removed the balance yet and it is affecting my mortgage loan application. 
My Concern to Service provider and collection agency was, if insurance and patient still questioning to credibility of actual balance due then how it is reported as defaulter.
Our Client has applied for modification to save her home from foreclosure on her own and then again with us,   XXXX   XXXX   XXXX   XXXX   She signed on with us for help on   XXXX  . Prior to our help she was offered a repayment plan for 13 months with monthly payments being {$580.00} with a large balloon payment on the   XXXX    month of about {$10000.00}. We reapplied and was given the same plan. Modification was denied due to not meeting investor guidelines. A foreclosure sale date has been se t for  XX/XX/XXXX . This repay ment plan is far outside the affordability of our client due to the strict limited income she lives on. The loan originated on XX/XX/XXXX and matures on  XX/XX/XXXX  with prior monthly payments of   XXXX  . This she can afford.
Her income is only about {$800.00} per month from SSI and limited food stamp assistance. We are hoping that something can be done to stretch this loan out further in order to keep her payments around what they were when it was affordable. She is an elderly woman with medical issues that are ongoing. She fell behind due to these medical issues and would like to get things back on track, because her situation limits her ability to relocate and affordable housing is limited.
We have tried to work this out with the Lender, though they do not want to budge on this.
Please help us find a reasonable resolution.
Filed dispute with Experian in writing that account in my file name XXXX XXXX XXXX did not provide contract with my authentic signature. Advised Experian to provide XXXX XXXX XXXX contract with my authentic signature. Never heard from Experian. I do not want this account verified. I want the signed contract with my authentic signature.
I monitor my credit to prevent fraud. From XXXX until XX/XX/XXXX, my credit represented by my credit score stood at or above XXXX. In XX/XX/XXXX, it was XXXX, but in XX/XX/XXXX, it dropped to XXXX, indicative of serious error or criminal conduct. This prevented me from applying for a business loan. 

I wrote to the credit agency, requesting per the terms of the Fair Credit Act of 1970, to provide me with an explanation as to what negative information was introduced into my records to drop my credit rating by 150 points in a month. I have included a plot of the data. 

The agency sent me a form letter without addressing my core question. I then asked their legal department to review my request and respond to it, ensuring compliance. I wrote that I did not need a form letter, but an accurate investigation and a clear and concise explanation. The agency never responded. 

I respectfully request a careful review and a statement that includes precise entries that resulted in the significant drop in my credit score from XXXX to XXXX in the XXXX XXXX period. Please do NOT send form letters, and list any and all issues that caused the SIGNIFICANT drop.
I took out an online loan in the amount of {$5400.00} on XXXX/XXXX/2015. I have since paid a total of $ XXXX-with monthly payments of {$490.00} ( and XXXX still due ). When speaking to the rep on the phone I was advised the interest rate was 110 %. In later review of the loan docs I am finding that is an annual percentage and the total amount paid back ends up to be {$42000.00}, this is obviously not what I thought I was in for. In recent research I am finding these types of loans are not only unethical but illegal in the state of CA, Please review to determine if anymore than the principal balance is legally due. I can not pay $ XXXX and not sure how to proceed.
I received today  XXXX  a message from  XXXX   XXXX  from  NCR  he stated this is his second attempt to reach me in regards to documents if he does n't hear from me or my attorney he will come to my job  XXXX   (  which i have n't worked at in 2 years ) or find where I work at through the department of labor to have this matter handled at the property! I had till today to call him! I left a v.m to stop calling me and harassing me and I let them know I will be filing a complaint through the CFPB and the FTC because I believe this is the same company that stated I owed a online loan which I stated to them I didnt live in  XXXX  I ve moved to  XXXX  so now there threatening me to come to  XXXX  county.
I placed a stop payment on a company called XXXX, This took effect on XX/XX/2015.The bank confirmed the stop pay, yet I had charges occur from the XXXX company numerous times after the stop payment took effect. I called the bank and they only credited my account for the stop pay fee of XXXX. But still charged me fees in the amount of XXXX. Because I was negative, this caused a check for XXXX to bounce and they processed it three times charging me XXXX. They would n't credit my account for the mistakes they had did. ( US Bank )
This is NOT MY ACCOUNT. ... to begin with, I dont owe XXXX anything as I was never in a contract with them and havent had their services. That being stated, please provide me with the original signed consumer contract bearing my signature showing what services theyre alleging I received so I can take the original consumer signed contract to my police department. I am not and havent been a XXXX user. 
My local law enforcement is pretty direct when it comes to bringing all of the facts and proof in, when filing a police report so please get that to me ASAP. 
This is also your additional notice ( other than when I called ) of me informing you that this is NOT my account. 

Thank you
i am under unlawful foreclosure practices and I am about to lose my home due to duadual track I request a qualified written request and they said they have theright to reserve this information for their own, I steal waiting for a responseafter the denial of XXXX modification applications under the HAMP programthey did a payment plan ones under their in house program and let me the paymenthigher than it was at the beginning of the loanthis is about the XXXX complaint that I send and it seem that you help the bank toorganize their fraudulent procedures the comiunication with CONSUMERFINANCIAL BUREAU IT IS NOT WORKING ON THE CONSUMMER BEHALFI CALL AND THE AGENT ON THE PHONE SAID, " I CA N'T GIVE YOU LEGALADVICED " I DID NOT CALL TO FIND LEGAL ADVICE I AM REPORTINGA FRAUDULENT ACCITONS FROM A COLLECTION AGENCY ACTING XXXX BANK AND THIS COMPLAINT FORM DO NOT ALLOWED TO ATTACH ANYDOCUMENTS AT ALL
We live on XXXX XXXX  in the XXXX XXXX XXXX. Our home was damaged during Hurricane Irma on XX/XX/XXXX and declared a presidential disaster area. Our home is insured through the XXXX XXXX XXXX company sponsored by XXXX. After seven months we received our homeowner 's insurance settlement from XXXX  an insurance a check of {$290000.00}. We had to send the insurance check to the loss draft department at Flagstar Bank and it was received onXX/XX/XXXX as per policy.

Flagstar Bank loss draft department disperses our insurance proceeds based the amount of repairs accomplished. We have complied with every condition and submitted supporting documents requested by Flagstar. Contractor 's license, insurance, XXXX and all supporting invoices of materials and labor costs.The costs were all approved by our insurance company XXXX.

Because our home is on an island 1400 miles from XXXX  our replacement and building materials must be purchased in the US mainland and exported to XXXX XXXX before repairs can begin. The insurance estimate for materials was {$120000.00}. Flagstar 's loss draft department dispensed {$76000.00} onXX/XX/XXXX a shortfall of {$51000.00}. It is impossible for us to complete purchase of needed materials on account of this shortfall.Until this shortfall is corrected and all materials are paid in full they can not be exported to the XXXX XXXX and leave the USA to start repairs. The Flagstar policy can not be applied to mortgagees homes not in the continental United States.

After many emails, documents, and phone calls Flagstar 's loss draft processors will not disperse the funds needed to purchase all the materials to repair our home. Repairs can not be started until the materials arrive.We have a freight forwarder in XXXX  where all replacement materials are being consolidated and then will be shipped once purchases are complete.All replacement and building materials estimated at {$120000.00} will fill one shipping container which will be exported to begin repairs on arrival. The balance of {$170000.00} is projected for all labor costs.Once repairs begin contractor invoices can be submitted for labor payment. Flagstar underwrites mortgages in the US Territories but has no understanding of the difficulties in obtaining materials or that all materials must be fully paid and invoiced as paid to be exported.
Navient Is reporting XXXX loans on my credit report. XXXX of which have the same account number XX/XX/XXXX XXXX XXXX balance at {$5300.00} and XXXX at {$3700.00} XX/XX/XXXX XXXX has a balance of {$2100.00} XX/XX/XXXX XXXX has a balance of {$940.00}. 
I am trying to buy a house and the mortgage company shows XXXX loan reports on my account with a payment of {$130.00} per loan. Its only XXXX payment for the whole totaled loan of {$12000.00}. So the mortgage companies see it as me paying XXXX $ per loan adding up to XXXX $ total. This throws off my debt to income ratio and messes up my mortgage rates. This needs to be fixed as Im only making one payment. Or it should break down the payment to reflect each loan.
They call ask my name then inform me I owe on a credit card, I explain I'm on social security and can't repay and I also explain I'm on direct deposit. Every time they call I tell them the same thing and the social security office has told me they should stop calling after telling them I'm on social security. To night they called after XXXX XXXX
WE HAVE A LOAN WITH A COMPANY CALLED LENDMARK FINACIAL. WE ARE CURRENTLY WORKING WITH A XXXX PERSON AS PART OF THE XXXX AND HE ADVISED US TO CONTACT YOU. WE GOT BEHIND ON A PAYMENT BECAUSE MY HUSBAND WAS GOING INTO THE VA HOSPITAL FOR XXXX AND ANOTHER COMPANY CALLED XXXX XXXX XXXX REPOSSED OUR TRUCK ILLEGALLY AND THE DLLR REGULATORS AT THE STATE OF MD HAD THEM RETURN IT BUT IN THE MEANTIME DEPENDING ON FAMILY TO GET AROUND WE BECAME BACK BEHIND WITH OUR PAYMENTS TO LENDMARK AND WAS WORKING WITH ANOTHER FINANCIAL READINESS PERSON THRU THE XXXX AND WE SIGNED THE ATTACHED FORM WITH THE UNDERSTANDING THAT AS LONG AS WE DIDNOT GO IN DEFAULT ON OUR PAYMENTS THAN THEY WOULD NOT PUT A JUDGEMENT AGAINST US. WE NOW OWE XXXX AND THEY NOW WANT ATTORNEY FEES IN THE AMOUNT OF XXXX. WE DO N'T OWE THEM THOSE FEES. WE ARE WITH FINACIAL READINESS TO ASSIST US WITH BILLS. WE ARE ON A FIXED INCOME. WE RECIVED LETTERS ATTACHED INDICTING OUR BALANCE WAS XXXX SO WE DIDNOT PAY THAN WE WOULD RECIVE A LETTER WITH A BALANCE DUE. WE GET THE IMPRESSION THAT SINCE THEY WOULD NOT NEGOIATE WITH OUR XXXX PERSON THAT WE WERE BEING SCAMMED. I RETURNED A CALL AND THEY NEGOIATED THE AMOUNT DOWN A XXXX DOLLARS AND THAN DENIED THEY DID IT. WE WILL FAXS YOU A COPY OF THE LETTERS INDICATING WE HAD A XXXX BALANCE
National credit adjusters, they think I have a non re payed loan with them. I do not.
I had purchased a bitcoin from coinbase, the transfer of funds from my bank into coinbase went smoothly but when cashing out and requesting the transfer back to my bank account they have not done so.  This was XX/XX/2017 and the estimated transfer time according to the website was 48 hours. It is now XX/XX/XXXX and still my money has not been transferred back to my bank a total sum of $XXXXI have contacted them through the support link of the website and had no response.
I have been paying my student loan off for XXXX years, on time and in excess of what was due. Recently after hearing about Navient complaints I asked for a balance of my loan. I received a statement stating as of XX/XX/XXXX my balance was {$3300.00} and could be paid in full if paid within XXXX days. I thought that after making regular payments, since I do not receive a paper statement, my loan would soon be paid in full. I checked my balance on line, called to confirm what I thought must be a mistake and found that I now owed {$5700.00} as of XX/XX/XXXX. The representative stated that since the interest was accrued XXXX, blah blah, all of which made no sense..I asked for a written accounting of my payments and balances. What was sent to me was the same information I could have gotten on line which does not include where my payments have been applied, nor does it state, as requested, the original amount of the loan taken over by Navient from XXXX with running balances of the amount due. I checked the account number of the loan ( XXXX ) and they are the same. My loans were consolidated at XXXX point but there is only XXXX account number and XXXX total balance. I ca n't understand using any accounting method how my student loans can be increasing while making payments in excess of minimum payments due.
XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A  USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX  CREDIT REPORT IS : AMERICOLLECT INC. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. AMERICOLLECT INC {$210.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX AMERICOLLECT INC XXXX XXXX XXXX XXXX Open XX/XX/XXXX -- Individual Account. {$210.00} {$210.00} Consumer disputes this account information Medical
On Sunday, XX/XX/2018, we attempted to make a deposit at the Webster Bank ATM located on XXXX XXXX, XXXX XXXX, CT. 
The atm took my {$50.00} cash deposit, malfunctioned, didn't credit my checking account and printed out a note they they could not return my cash. 
I went to Webster Bank and explained what happened also showed the note from the atm machine so the person that I spoke to gave me a case # didn't even apologize for the inconvenience and then proceeded to tell me that they were not able to return my {$50.00} until an investigation and the atm was serviced which would take 7 to 10 business days which put me in a dire situation. I kept checking with the bank for an entire week and still have not gotten my money back.

We are on a limited income, only social security, which by the way, are direct deposited into the Webster Bank account. 
I had asked about a provisional credit for the deposit snd was told that they would get back to me and never did until Saturday, XX/XX/XXXX after hours do they were not able to speak to anyone until today. 
We feel that we were treated unfairly. 
The social security deposits are well over {$50.00}. They could have given us the provisional credit. We have banked with Webster for a long time and really didn't need this treatment. 
Because the {$50.00} credit was not applied, I had to borrow money to deposit to cover the checks that were not cleared yet. This was embarrassing.
I purchased a speaker from XXXX XXXX. I opened a XXXX XXXX credit card at that time. My bank, XXXX XXXX, offered me a credit card to transfer the balance and pay off my XXXX XXXX credit card. On XXXX/XXXX/XXXX a check was sent to XXXX XXXX XXXX and was cleared the following day, XXXX/XXXX/XXXX, for the amount of {$490.00} to pay off the credit card. XXXX XXXX claimed that to never receive the check, so I made a conference call to the department during the week of XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. On the call a representative from XXXX and XXXX XXXX, and employee of XXXX XXXX XXXX XXXX in XXXX, Utah, where I bank at and where the check to Best Buy originated from. During this phone call, XXXX had faxed over a copy of the check and it was confirmed that it had been sent and that everything was paid off. On the date of XXXX/XXXX/XXXX, I left for XXXX XXXX XXXX XXXX and was under the impression that everything was taken care of. When I had returned from boot camp, I received a phone call from a collection agency to receive payments. I then made another phone call to XXXX to get it all sorted out again and nothing was done again. 

To date, my credit report does n't not reflect the balance payoff, but it is showing late payments and the like even though I paid off the account. I have disputed the account with the credit reporting agencies, but nothing had changed and my credit is still negatively impacted.
This last communication from this company said they would submit to the credit bureaus that the accounts are in dispute ... I contacted each bureau who said the account Action Collection Agency is reporting is NOT in dispute by them. So again this company is lying.
I purchased tires from XXXX and also purchased the installation package ( to be completed by their technicians ) and road hazard with my Discover card. The next day on the way to my cabin I encountered turbulent handling and loud road noise. I took the vehichle to the local mechanic who said the tires had been inproperly installed and 2 had not even been weighted ... VERY dangerous. I spent a week going back and forth with XXXX and the very rude Manager at the location who advised me to " bring it back in '' obviously I could n't since it was over 200 miles away ... I had the shop make the corrections and rebalancing which I paid for with my Discover card also. 

I contact Discover to file the dispute and they have been unprofessional, unresponsive and yesterday forwarded me a notice saying the charge was valid and attached a reciept from XXXX with my signature ... DUH!!!!!!!!!!!!!!!!! The issue IS NOT my card was used fraudulently, it is that the services I received were unsatisfactory and quite frankly life endangering. Discover did not handle this properly and I will not pay this charge.
I AM FILLING A COMPLAINT AGAINST XXXX XXXX WHO HAS CREDIT CARDS WALMART , XXXX, LOWES. THESE ARE CARDS HAVE BEEN CLOSED AND I WOULD LIKE THEM REMOVED FROM MY CREDIT REPORT. THEY START CALLING AT XXXX XXXX DOESN'T GIVE UP UNTIL XXXX XXXX ON A DAILY BASIS. THEY ALSO USE VERY DIFFERENT NUMBERS WHEN THEY CALL. SOME CUSTOMER SERVICE REPS HAVE USED PROFANITY LANGUAGE AND VERY RUDE AND IGNORANT. SOME HAVE LEFT MESSAGES ON MACHINE WITH PROFANITY LANGUAGE.
My credit information and reports have been compromised by virtue of the XXXX data breach. I would like the option of freezing and thawing my credit availability through all three credit report agencies, but I do not want to be charged for doing so.
This company called Midland Credit Management is alleging I owe a debt. I 've never conducted business with this company.