WillisBack/dataset-financial-user-claim huggingface dataset:
I have inquired with Wells Fargo several times on their XXXX disclosure. On XXXX XXXX, XXXX I rec 'd my yearly statement which showed a shortage of {$30.00}. I proceeded to pay this amount and sent in an extra {$45.00} to be applied to my Escrow. 
In XXXX. I inquired with Wells Fargo for an adjustment to my monthly payment amount based on the changing of insurance companies. I was told by a case worker XXXX XXXX who was quite rude that my Escrow " showed a shortage ''. I asked how could this be since I did pay off their statement. She said she " would research the issue ''. XXXX XXXX took almost a month to respond of which she stated in a letter that Wells Fargo handled my account " properly '' in a letter dated XXXX. 
I called XXXX XXXX once again on XXXX who put me on hold for at least XXXX minutes, who then sent me to her " team lead ''. I asked again HOW could my Escrow show a shortage when I rec 'd a disclosure on XXXX showing the amount of {$30.00}. The team lead told me to " ask my bankruptcy attorney '', of which I do not have! I was XXXX in XXXX, the case closed in XXXX. I asked why and how should I ask an attorney which is not under my employ on my Escrow, she had no answer. I furthermore inquired WHEN did they disclose ever that my XXXX showed any shortage other than the XXXX letter. The team lead had NO answer. I further asked how they could violate the terms of my bankruptcy and collect a debt of which I never knew existed. She again had NO answer! They simply desire to discriminate against me based on a previous bankruptcy of which Wells Fargo was not effected in any way! I believe the team lead thought I was still in bankruptcy as well, this is pure negligence, stupidity, and idiocy. 
Furthermore, they have taken not days but MONTHS now to respond accordingly, and when they do respond it is same ignorance of which I have inquire once again why they did not address my questions.
I 'm waiting for a new card to come in the mail but my current one is still activated. I ca n't scan it through machines because the magnetic strip is damaged but I can still pay for things online. The only access to money I have is sending myself cash from my bank to  XXXX    XXXX   or moneygram  or to drive   XXXX   XXXX  hours to my bank. They have both denied letting me send cash to myself and I have a car payment and issurance payment right around the corner. I 'm extremely displeased and they even blocked me sending money to family or friends so they can pay my car and insurance payments. I 'd like this settle asap. I 'm in the military and believe I deserve more respect than to be denied MY OWN money that work hard for.
On XXXX/XXXX/2015, I purchased XXXX round trip airline tickets from XXXX using Bank of America VISA credit card. The total amount was US dollars XXXX and the purchase was made online from my home computer.It was confirmed by XXXX XXXX that this transaction was made in New York and there was no XXXX transaction fees involved ever. 
On XXXX/XXXX/2015, while checking my VISA credit card account status, I had noticed that the bank had charged an additional amount of {$30.00} each for XXXX airline tickets, that was not included, informed nor authorized by me at the time of transaction. 
Since I was not aware of any foreign transaction for purchases made within the United States, in US dollars, I immediately contacted the Bank of America VISA card customer service, and they refused to refund the entire amount of foreign transaction fees. 
In the past I had purchased airline tickets online from XXXX using XXXX master card and there was no foreign transaction fees involved in any of the purchases made in US dollars in United States. 
Therefore, hereby I am humbly requesting a fair investigation on this unfair business practice for the satisfactory resolution for my concern and the refund of the entire foreign transaction fee that is unfairly charged to my VISA credit card on the online purchase made in US dollars and within the United States.
CREDIT CONTROL SERVICE XXXX, phone # XXXX XXXX keeps reporting that I am past due on an account that was closed by the original creditor and was deleted from my credit report in 2016.
I disputed an inaccurate XXXX account with Trans-Union multiple times but they failed to investigate the dispute because of mismatching addresses. This caused many XXXX as I tried verifying my address multiple times to no avail. I decided to contact XXXX and they said they could n't find the account in their database. With that in mind, the XXXX representative named XXXX said that she will contact all XXXX credit bureaus to get the account removed. Today I ordered my Trans-union report and the inaccurate account is still reporting for more than a year ; since I started disputing the account. This is frustrating because XXXX and XXXX are not reporting this account.
I have a Paypal account some money on it, about XXXX. I tried to spend the money on a XXXX boost, and the Paypal system would n't complete the transaction without a credit card. Why would I have a Paypal account if I could get a credit card? These people have my money, and have refused to complete a simple transaction to a reputable company. I believe this is an attempt to manipulate my account to mine for new data.
Previously, I filed a CFPB complaint XXXX against JP Morgan Chase for their unlawful debt collection practices and theft of my personal checking account. In Chase 's response to the CFPB and provided unlawfully, to the XXXX XXXX XXXX, Chase sent response letter 's of blatant lie 's ( via XXXX, located in Chase Executive Office ). JP Morgan Chase, response letter 's are being DISPUTED ( via this filing ). Further, it is important to document, that I NEVER included the XXXX XXXX XXXX in my filed complaint ( above ). Nor, did I file the XXXX XXXX XXXX as my representative 's with Chase or the CFPB. Therefore, I am DISPUTING Chase 's unlawful practices and I am reporting Chase and XXXX 's repeated violation of my civil rights. Further, in Chase 's response letter 's of lies, XXXX documented : " We take complaints that claim discrimination very seriously and investigate them thoroughly. We do not tolerate any form of discrimination as it is strictly against our policy and contrary to our corporate culture ''. However, Chase have in fact continued to practice repeated discrimination, harassment and reprisal/retaliation against me for my previous CFPB filing 's. They violated my privacy rights by sending information to the XXXX XXXX XXXX which have absolutely NOTHING to do with my filed complaint ( above ) and doesn't represent me in my filed CFPB complaint. Chase unlawfully debted and stole monies from my account to pay another persons debt owed to them ( which I have no knowledge about ). Chase 's unlawful debt collection practices, caused the unlawful NSF 's charged to my personal account. Chase, eventually removed ALL of their unlawfully charged NSF 's wrongfully assessed to my personal account.The person, and their debt do NOT make transactions to my personal account. Therefore, Chase and XXXX knowingly and intentionally violated my civil rights and practiced unlawful DISCRIMINATION towards me and my personal account. Today, Chase and XXXX have continued to practiced unlawful DISCRIMINATION against me and my personal account by internally changing my personal PIN to my account to pervent me from accessing my account. On or about XX/XX/2018, I visited a local branch and changed my PIN to my account. Chase, internally and unlawfully changed my PIN back to the " old '' PIN number. Recently ( last week ) I was unable to access my account due to Chase 's  ongoing and practiced DISCRIMINATION/HARASSMENT/AND RETALIATION practiced against me in response to my previous complaint filing 's with the CFPB. ALL SUPPORTIVE DOCUMENTATION WILL BE SUBMITTED TO THE CFPB VIA FAX.  ALL SUPPORTIVE DOCUMENTS AND FILINGS ARE STRICTLY FOR THE CFPB USE. NOT TO BE USED OR COMPRIMISED IN ANY WAY BY CHASE OR THEIR SUBSIDIARIES. THE END!
I have never been harassed as badly as I have from Wells Fargo. The first day my student credit card payment is late, Wells Fargo begins calling me daily. Today I have received 4 calls from Wells Fargo, 2 of these calls were made back-to-back. This is illegal under FTC guidelines and Wells Fargo needs to be fined. I also have a Checking account with Wells Fargo, which I have also been scammed out of over {$200.00} in overdraft fees. Wells Fargo will post charges to my checking account, then remove those charges the next day, and repost the charges in a few days after more purchases have been made. This is fraudulent activity and this bank needs to be investigated. I will be closing all of my Wells Fargo accounts very soon.
I wrote Equifax on XXXX/XXXX/15 and alerted them to a XXXX account XXXX that is not mine. And they thus far have refused to answer my dispute NOR remove the item. I EVEN SUBMITTED A POLICE REPORT!
There is a collection opened on XX/XX/2016 fro XXXX dollars. 
I have no idea what that is ... .... but I do not want to be affected by that. 
I always pay my bills on time
i received a letter from this company stating that i owe there client nationwide insurance a balance of {$230.00} i told them i did n't but i was still willing to post date a payment for the XX/XX/XXXX while i contact my insurance agent and got this squared away they said that even if i maid that secured payment arrangement they are still going to report me
A collection was placed on my Transunion credit report on XX/XX/2017. It is set to be removed XX/XX/2017, which is odd. I have received no notification from the creditor. I do n't know anything about this debt - whether it is mine, if it 's outside the statute of limitations for reporting, etc.
Midland Funding has been trying to collect for the wrong balance for years! High balance is just over {$700.00} for original creditor, and Midland is trying to collect over {$1000.00}!!! Midland is also showing a Payment History and MONTHLY TERMS!!!! I never signed an agreement with this company! Under status it says CLOSED Collection on XXXX and XXXX Reports and yet they are still reporting!!!! Last status update for XXXX and XXXX is XXXX/XXXX/XXXX. XXXX is XXXX/XXXX/XXXX. PLUS I never did received a debt validation from this company when I sent one years ago! Says Original creditor is XXXX or XXXX XXXX and I never signed anything for that company! I believe the original company is XXXX!!
Female only identified as XXXX XXXX called my personal cell phone leaving a message. Said I needed to call her back and that it was very important. Upon calling, the company directory only identifies itself at XXXX. Accessed the correct extension and the female advises me I owe {$38.00} to an apartment complex. I told her I purchased a home multiple years ago and she said it was from 2013. I have never been contacted about this debt previously and had no idea what it was in reference to. I asked for her to send me a bill because I wanted proof they were a legitimate, reputable company and did n't feel comfortable giving my banking information over the phone. She advised me while I was waiting on the bill she was going to report my debt to my credit and housing report ; yelling saying I was ridiculous. I advised her I work for a police department and that I see fraud everyday and only wanted to protect myself. She advised me that she already knew I worked for the police department because she just called my place of employment since I did not answer my cell phone. She continued to yell at me over {$38.00} so I requested her supervisor. Her supervisor was not of much help but identified himself as XXXX XXXX. He gave me the phone number to the company I supposedly owed money to and gave me his extension so I could call him back rather than the original XXXX XXXX. I told him his employee was outright rude and had no right to yell at me and that as a woman with perfect credit who happens to be XXXX weeks pregnant, I did not deserve to be treated the way I had been treated. He advised me to calm down and that she was not rude. He admitted that he had not listened to the conversation between XXXX XXXX and I and had no idea what she said to me over the phone nor knew if I was rude in return. ( I was n't ) I also told him not to tell me to calm down if he had not dealt with what I just had to deal with and I had not even raised my voice. - Upon calling the phone number XXXX XXXX gave me, the apartment complex representatives were extremely helpful and willing to pull my debt from collections. I am an extremely responsible person and do not avoid my responsibilities. They had no right to call my place of employment, they had no right to yell and belittle me, they had no right to harass me over {$38.00}, and they had no right to deny me proof or explanation of debt.
The account XXXX XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to Equifax and XXXX  but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
I have been late on making my loan ( truck ) payments. I pay the loan bi-monthly. I have been paying 1/2 of the monthly payment for several months. I am aware that I was late but I was told by a representative of USAA that as long as I made a partial payment I would not be reported to the credit agencies. However, I was reported as of XX/XX/XXXX. I contacted USAA to review and confirm what I was told. They would not agree that I was told by their agent that as long as I made partial payment I would not be reported because they can only go back any review calls for 30 days. I know it has been longer than 30 days. This is completely unfair. It is my word against theirs and of course, they are not going to admit what I was told by their agent. 

I completely accepted responsibility for being late but since I was told that as long as I made a partial payment I would not be reported to the credit bureaus but I can not prove what I was told and they refuse to remove from my credit file. In 29 years of being a member of USAA, we have never been 30 days late on any account ( we have several XXXX. Please review and see if this can be removed from our credit file. 

XXXX and XXXX XXXX
I do not have ANY LOANS WITH XXXX. 
yet Transunion keeps updating my credit report with the same inaccurate information. XXXX negative accounts I am NOT 120 days late on any loan through XXXX. Contacted them via phone and no record was found. Even through FEDERAL LOAN HISTORY WEBSITE. XXXX there is no current balance due or no past due balance.
In XX/XX/XXXX I was struggling financially and I filed for chapter XXXX protection ; however, none of the filings was accepted by the Bankruptcy Court they all were dismissed. This complaint is to have all XXXX credit reporting agencies remove the information from my credit file. The Chapter XXXX Bankruptcy 's I filled in XX/XX/XXXX was NOT confirmed. I was told by Equifax that they can keep it on my credit report for 10 years, however, I live in California and the Federal Law is 7 years of filling. Also, the plan was never executed and was dismissed/discharged in XX/XX/XXXX as well. I want all XXXX credit report agencies to remove all negative information relating to the Chapter XXXX 's I filed in XXXX, XXXX, XXXX, and XXXX of XX/XX/XXXX. I filed them and the bankruptcy court did not process any of them ; they all were dismissed out of court and should not be on my credit reports in XX/XX/XXXX.
Dear Sir, This complaint is against Nationstar Mortgage the servicing dept. I was told by Nationstar that I should participate in their HARP loan program, where my loan originally was a interest only loan that turned into a fully index loan with PITI. The payment through me out of Budget, so Nationstar stated the best option was the HARP Program. Enclosed is the email stating that I was approved, and I would be skipping a payment the date was XXXX/XXXX/15, on the week of my closing I get an email that I 'm was not approved. I thought that something was wrong because the communication checking to see what is going on had stop. I kept going to voice mail for XXXX days. The loan office on this deal plus the processor could not be reach, on XXXX/XXXX/15 I got the enclosed email telling me that I was not approved. I told them since this file is with Nationstar can you take it to the modification dept. personally since you quoted the wrong rate, a teaser, XXXX I told them that I had a problem paying the original loan payment and I reached out for help and they suggested this program. I am now going to be in foreclosure if this problem is not corrected. I need someone from their management to look into this. The loan number is XXXX, borrower is XXXX XXXX. This like a switch and bait after the client does everything in their power to give them what Nationstar ask for. The companies hide behind the automatic systems and voice mail system, it takes a strong consumer to fight through this so that it can be justice.
They claim they sent notification of legal action, they claim they served me and obtain rightful judgment against me. I asked them to provide proof of how they served me as I travel and no one in my home at time they claim they served me going to court for judgment. They state they placed notice on my door. I have asked them to provide me a copy of the signed contract to verify my debt and owed. They have not provided me any signed contract simply stated payments were being made for a period of time so it has to be my loan. I explained I was victim of identity theft yrs ago and I did have loans with beneficial yrs ago but paid each loan off as I did my other creditors. I was not aware of this judgment or collection debt until I went to refinance my mortgage for lower rate and savings of XXXX with refinance. They advised me of it I called the XXXX XXXX XXXX funding theu said debt now handled by law group XXXX XXXX XXXX at XXXX XXXX Texas XXXX. I explained I was not aware of debt let alone how a judgment could be awarded against me if I wad not advised or served to appear in court. I asked them 3x for copy of contract with my signature. I explained I had loans with them but paid out. They only send me a copy of the judgment filed against me that has has kept me from refinance. I offer to settle if they had contract with my name and could produce it just to move forward with refinance. I am asking they provide me proof this debt is rightfully owed by me producing the signed contract or they remove the judgment and reference of any such deby from my credit file and they pay me for damages if wrongful reporting a debt and judgement on my credit filr. They cost met me my refnance saving over XXXX on my finance of my house. I pay my debts and have a great credit history with my creditors. My credit score is XXXX plus being impacted by this alleged debt they wo n't prove is mine with signed contract. The collection agency XXXX XXXX XXXX is not a reputable collection agency. They have harmed several consumers with their collection tactics. I will seek legal action against them for action taken against me after I get this matter resolved. I want a signed copy of contract to confirm I owe debt or seek to be paid for damages and FDC practice violation.
I noticed that my credit score had dropped dramatically on XXXX XXXX so I got credit report and discovered that RSH & ASSOCIATES LLC had, posted a collection to my credit history report so I called XXXX to see what this was and I was informed by an employee named XXXX XXXX that this was my wife 's debt and that I was responsible for debt because we were married and I informed him that I had not signed for any of the services of XXXX XXXX XXXX XXXX XXXX XXXX and that I was not present the day services we rendered, he said that they were not going to remove. So I contacted XXXX and filed a dispute and called CFPB on X/XX/2017 and was informed that I was correct, that this collection agency can not attach this to my bureau just because I 'm married and that I needed to file a compliant to keep them from doing this again. I want this company to remove all collection reports that they have file against my credit history with any reporting agency or I might take legal action. Thank You!! XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ks. XXXX Ph. # XXXX Original Creditor XXXX XXXX XXXX or XXXX XXXX Mo. Dollar amount {$830.00} past due as of XXXX 2017
My Bluebird Amexican Express debit card was suddenly shut down without any explanation. I am unable even to veiw my statements.
Equifax ( a company I never directly engaged with ) has obtained large amounts of my personal information and mishandled it by not implementing effective defensive cyber security tactics and left certain critical pieces of their public facing web infrastructure in a vulnerable state. 

These ineffective security practices have been exploited and have put me and over 100 million other people at risk of fraud and identify theft that can cause meaningful harm.
I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. I find their offering of a single year of credit monitoring and protection to be ineffective, as the stolen data can be used at any time ( far longer than just for one year from when it was stolen ) and can be used in a damaging way against all affected people forever.
Chase Bank requires that I furnish my SS # on a Recorded Line or they will refuse any communication re. my XXXX Bank Accounts and XXXX Mortgage. I request that they accept the last XXXX digits of my SS # like other institutions, they refuse, it is not their policy. Or I offer to give them my entire SS # on an unrecorded line, they refuse. I ask for alternative verification, there are none. I ask to be referred to a Supervisor and each time I am transferred, I receive this message after a few minutes : " Sorry, we can not continue processing your call ''. 
With serious Privacy Concerns these days, I am very careful who I give my SS # to, and do not trust that a recording of my SS # will not be shared with others. I believe this is an act of " Invasion of Privacy '' and request your intervention. 
Chase 's only solution, according to Exec. Offices, is to go directly to a JP Morgan Chase Bank to transact business there, which is somewhat inconvenient when I simply want to ask a few questions. I usually have to wait for at least 1/2 hour before I receive any service. 
When I contact Consumer Financial Protection Bureau and Office of the Comptroller of the Currency, I am informed that if I am unable to obtain assistance from my bank, I should file a complaint, which I am currently doing. 
Can you assist me with this problem with Chase Bank?