WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to complain about the lack of customer service and proper procedures from Chase Bank. I have had and maintained a checking and savings account at this bank for several years. On last week, I tried to obtain an online personal loan, the company contacted me and told me I was approved, they needed my routing number and account number in which I provided, they told me how much would be deposited into my account, later that day they called me and said my bank would be sending me a passcode and to give them the passcode, I did and they claimed they deposited {$240.00} into my account, I informed them that no they did not. They were able to get into my account and make a fraudulent claim, that's how the passcode was sent to me. When I figured out what they did, I called Chase immediately to report it, then I called the company at XXXX. I told them not to contact me again and that I was calling my bank, because this was fraudulent. They were trying to get me to withdraw the {$240.00} and send to them from XXXX or XXXX, I told them I was reporting this to the police and to my bank. Someone how they were able to get into the banks system telephonically and fraudulently portray me as if I was making a fraud complaint about some funds that I had already received from the bank a couple weeks earlier. I contacted the bank immediately, at the time this happened, I only had about {$160.00} in my checking account, but when I checked it, it had a balance of {$400.00} and I told the bank that the balance was incorrect and I explained what I figured out had happened, someone was trying to scam me. I instantly called the bank to inform them and the very next day, they changed my telephone password and I felt like the matter was resolved. I tried to withdraw some funds for my personal use and could not, I called the bank and was told there was a restriction on my account and that the bank was closing my account. They would not provide any details as to why am I being punished for fraudulent activity that I reported regarding my account. I never withdrew the funds, no explanations were given and I feel as if I'm being treated unfairly and possibly damaging my credit by Chase closing my account due to no fault of my own.
I have a Home equity loan that was opened in XXXX XXXX. Huntington National bank has sent me a letter dated XXXX XXXX XXXX saying my ten years for my access of funds expire in four months. Then someone from Huntington calls me and takes my income information and sends me a letter that they need to get my income to debt ratio corrected. So they want to increase my credit line at a higher variable interest rate of 4.50 % presently 2.50 % and pay off my car and credit cards. It sounds good but they did the same thing last year and that guy said I did n't qualify for the new loan since I retired and so nothing changed, I could access my credit line and just pay interest if I want. Both time they said if I do n't get the new loan I will need to have a 20 year loan and pay monthly payments 5 times what I am paying now. I do n't understand why did n't this happen in XXXX XXXX instead of now? I told this last lady that I guy from your bank called me for the same thing last year but I did n't qualify for a new loan and she said well I will check but have not heard back from her about that. Just an email saying how happy she was that I was initially approved for the loan but needed to send in all my income proof. And another lady would be calling me. I just do n't understand any of this? Are they just trying to get me to pay more interest and a larger loan?
I have met the following requirements on my mortgage : " PMI will automatically terminate on the earlier of the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. '' I have made all payments on time. I have included extra amounts with almost every payment. There is absolutely no reason why my PMI is not automatically canceled as it states it should be on the government website. 

XXXX XXXX now tells me that I need to pay for an overpriced appraisal. I have a small house, valued at {$70000.00}, but they demand that I pay {$630.00} ( the same amount someone with a {$900000.00} loan has to pay and 50 % higher than if I could use a local appraiser ) in order to remove PMI. 

So is the government website not accurate? The lady who answered when I called XXXX XXXX said it was only a suggestion ... So much for protecting the American Consumer. She also told me that I could find the " correct '' rules on the XXXX XXXX website. I asked specifically where, but she couldn't answer, and I couldn't find it on their website. 

I have done everything required of me and I should not have to pay a ransom ( a year 's worth of paying PMI ) in order to get the PMI canceled. 

I've met my obligations. I'm basically being penalized because I made extra payments and have been a good customer.
I received a collection letter and sent debt validation letter within 30 day period. company continued collection activity by calling me twice before verifying debt attempting to collect asking if i wanted to make arrangements to avoid litigation. they lied and said that they sent verification but they did not. they " claimed '' they sent to the incorrect address. both times i told them that i did not want to discuss until i received verification. they finally sent the verification and when i opened their letter, it was dated 3 days after their last phone call to me where i told them i would not discuss this until i receive proper verification. i was called again last week and told them i was researching what they sent me and they gave me a deadline and threatened to sue me again. the information they sent me was fabricated and unauthenticated. also per XXXX not only did the oc lie about the sale of the vehicle, they failed to send proper legal notices and is not due a deficiency judgement. and they better not lie in their response because i have every single detail well researched and documented. this has stressed me out completely and i have spent hours of my time researching this issue when i should not have to.
XXXX has once again furnished ficticious and derogatory information to lender " XXXX ''. They provided a falsely low credit score and other false information as well, to assure a denial by XXXX, which they did.
I Received Notification That A Collection In The Amount Of {$50.00}, Was Added To My XXXX Credit File On XX/XX/XXXX By XXXX XXXX ... Reported Date XX/XX/XXXX By XXXX XXXX XXXX/Capio Partners LLC ... This Same Company Had Added This Same Collection {$50.00}, Using Just Capio Partners LLC As The Company In XX/XX/XXXX ... .This Was Disputed Online Directly Thru XXXX, At That Time And It Was Removed ... I Have And Am Working Hard To Maintain My Credit Worthiness And Companies Like XXXX XXXX XXXX/Capio Partners LLC is Placing Collections On Peoples Credit Profile Without Any Notification Is Just Plain Wrong ... Included Is Documents To Support My Statments ....
Beneficial continues to deny responsibility for the mistakes they made with our home loan from XX/XX/XXXX to XXXX. Effective XXXX XXXX, XXXX they sold our loan to XXXX XXXX XXXX. They continued to erroneously try to collect " past due '' payments from us into XXXX XXXX - in effect trying to extort money from us when not only were we up to date but paid in full until XX/XX/XXXX. They told XXXX that we were behind so XXXX started charging late fees and other fees. 
XXXX XXXX, XXXX, XXXX XXXX XXXX, Vice-President Customer Disputes and XXXX XXXX, manager Customer Disputes, sent a letter to the NYS Attorney General stating that, " We have completed reconciliations on both accounts and can confirm that the account status on each account is accurate. '' AND " Account XXXX ( The account in question ) is current. The next payment is due on XXXX XXXX, XXXX, in the amount of {$1000.00}. '' Statements for XXXX and XXXX XXXX do not reflect the correct payments that we made and my husband spoke with a XXXX at Beneficial on XXXX XXXX, XXXX and she confirmed that our mortgage loan account was up to date. 
Payment history : Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX we sent Beneficial a total of {$10000.00}. The financial records of our account that were sent to us by XXXX XXXX, XXXX Customer Disputes, on XXXX XXXX, XXXX, confirms this and we have the cancelled checks to back it up. 
Our monthly payment is {$1700.00}. There are 5 payments due from XXXX XXXX through XXXX XXXX. {$1700.00} x XXXX = {$8500.00}. 
So at the time that Beneficial sold our mortgage to XXXX we were not only up to date but ahead in payments. 
TWO payments were applied to the XXXX XXXX, XXXX payment and only one was credited toward our mortgage. The second should have been applied to the XXXX XXXX, XXXX payment. 
From XXXX/XXXX/XXXX throughXX/XX/XXXX a total amount of {$3600.00} was received by Beneficial yet only one month was credited toward our mortgage. 
We were also assessed four late payment fees, XXXX on XXXX/XXXX/XXXX ( XXXX ), XXXX on XXXX/XXXX/XXXX ( XXXX & XXXX ) and XXXX on XXXX/XXXX/XXXX ( {$34.00} ) for a total of {$61.00}. 
If Beneficial had properly credited our account with the payments we sent in and you cashed, we would have been credited with on time payments for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The total amount due for those 6 months was ( {$1700.00} x XXXX ) {$10000.00}. 
We paid Beneficial {$10000.00} and that would leave {$500.00} for the month of XX/XX/XXXX in our account. 
In a letter dated XXXX XXXX, XXXX, from XXXX XXXX, Vice President, Customer Service, XXXX XXXX Loans, she states : " Furthermore your allegations are regarding the previous servicer and not XXXX. Please be advised XXXX is unable to confirm any actions or provide any answers in regards to the previous servicer as we are not affiliated with them. In order to have these concerns adequately addressed, you should contact your prior servicer directly. '' Beneficial is the prior servicer and they refuse to address the problems.
CRA/HIPAA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
In XX/XX/XXXX a charge off account was 'DUMPED '' on my personal credit report. It was a XXXX credit card for a company, XXXX , XXXX, which I was one of 3 owners of. However, I did not operate this company, a person by the name of XXXX XXXX did. He was one of the owners and had 100 % operational duties. It appears as though he secured the credit card in XX/XX/XXXX and paid it on time thru the business checking account until early XX/XX/XXXX. XXXX never once sent me a notice this card was late, or being charged off, even though I was currently doing over $ 500k of business with XXXX. I have disputed this card since it " appeared '' on my credit file with all 3 reporting agencies, demanding that I be shown where I requested, authorized, or signed for this credit card. To date, I have not seen the application. However, even though I have disputed this account numerous times, I am only told that XXXX " determined it was mine ''. When I ask how they did that, I am never told. The only way to verify it as mine would be for XXXX to produce the actual application with my signature on it. They have not, but the agencies still " assume '' it is mine and takes XXXX 's word for it. I have a right to see the application with my signature, and the credit reporting agencies do as well, if they are truly going to verify the account is mine. Otherwise, it must be removed from my credit file.
Despite numerous letters sent to the credit bureaus and debt collector themselves, I can't seem to get a resolution to this debt they say I owe. I requested proper debt validation via letters sent and the only thing I receive are statements of balances and proof debt was bought from a creditor. I do not recall these debts they are trying to collect on and I refuse to pay any monies until proper proof is shown in which I request in the letter I sent. The FDCPA is clear as to how debt collectors are to validate debt with consumers and Cavalry is not following the law by not providing proper proof to consumers in which they wish to collect from.
XXXX colleges committed fraud and I should not have to pay back these loans because even though I received a degree I have not been able to get a job even though the college promised they would help me get a job and they lied about people getting hired!!!!! I 'm sick of making payments to these fraudsters please HELP ME!!!!!!!!!!!
on XXXX XXXX 2016 I requested for equifax to remove the following accounts XXXX # XXXX XXXX XXXX XXXX XXXX/2016.because according to the consumer credit reporting reform act of 2016, which state all negs, paid/settled accounts should not stay on a consumers credit report after 45 days after payments.attached to the request was XXXX XXXX for XXXX and XXXX for XXXX XXXX XXXX to show filed date.
On XX/XX/XXXX I contacted Soloman and Soloman P.C in regards to a debt owed to XXXX in the amount of {$360.00}. I stated that I disagreed with the amount owed and offered a settlement amount. I was told this process could take up to 3 business days for a response. I checked back on XX/XX/XXXX and no response was received. I checked again onXX/XX/XXXX and was told no response was received and that the request would be resent to XXXX. On XX/XX/XXXX I followed up on the 2nd request and was told I would have an answer back by XX/XX/XXXX. I spoke to the collection agency on XX/XX/XXXX and was told that the request would have to be resubmitted a 3rd time and now it could take up to three weeks for a response back from XXXX. I believe that the collection agency/creditor are dilibertly delaying the process in the hopes I will become frustrated and run out of time, and will pay the amount they are requesting rather than the amount I offered in settlement.
I have called directly to Gm Financial about why since XX/XX/2017 they stopped reporting to my loan I have with them, and they alw as us say the same story, soon is what they say, i question them and get no results on what date and why they stopped It's been several months now and I'm trying to repair my credit
On XXXX XXXX, 2016, I was informed by a loan officer from XXXX XXXX XXXX XXXX XXXX Bank that my mortgage application would be denied because she had talked with Blatt, Hasenmiller, Leibsker and Moore, LLC about a debt judgement between myself and XXXX debt collection companies that the firm is representing. This is a direct violation of the Fair Debt Collections Act. Because of the communication between the firm and the bank, I lost a morgage that could have reduced my interest rate and equity that would have paid off all current credit debt, freeing our finances up to pay off the judgement amounts in the future.
On XX/XX/2016, I sent a dispute letter to Equifax disputing an unknown medical account. Equifax received my dispute letter on XX/XX/2016. On XX/XX/2016, I received an email that the dispute process has started. I received a new credit report dated XX/XX/2016 that stated " WE have researched the collection account # xxx. The results are we verified that this item belongs to you '', with instructions on how to contact the collection agency if I had additional questions. Per the instructions on my credit report, I sent a letter to the collection agency on XX/XX/2016 to the address Equifax provided on my credit report requesting validation of this debt. On XX/XX/2016, the letter I sent to the collection agency was returned to me by the USPS marked " Return to sender/Unable to forward ''. Per the USPA website tracking information for this letter, it said, " The addressee moved with no forwarding address ''. On XX/XX/2016, I sent another dispute letter to Equifax regarding this medical debt. I also included a copy of the XX/XX/2016 letter I sent to the collection agency as well as the proof of attempted delivery from the USPS website, that clearly stated that the letter was being returned to sender due to no forwarding address. I received an updated credit report dated XX/XX/2016, again their response was that they verified the account belongs to me, with the same instructions as before as to how to contact the collection agency with further questions. The collection agency address that Equifax is reporting on the XX/XX/2016 report, is the SAME address as the previous reports provided by Equifax. I also disputed this medical collection with XXXX XXXX and XXXX, and they bothe deleted the collection from my credit reports. 

On XX/XX/XXXX, I sent a letter to Equifax to inform them I filed a complaint with your agency as well as a copy of the complaint. On XX/XX/XXXX, I received a response from Equifax stating " The disputed account, cfpb is currently not reporting on the Equifax file ''. Obviously, my letter was not throughly investigated, since I am disputing an account with XXXX XXXX XXXX and " cfpb '' refers to your agency. I do not recall the date, but I called Equifax to speak with a supervisor in regards to their XX/XX/2016 letter and explain the " cfpb '' is not a debt I am disputing. She informed me that the debt I am disputing has been verified and instructed me to contact the collection agency. So, needless to say, I did not get anywhere with Equifax.
Not only is Capital one not allowing customers to use third party apps like XXXX to gain rewards for other programs ( XXXX XXXX ), I also owe them around {$1000.00} for a purchase I cancelled. 

I made a purchase with my Capital One card for a couch through XXXX. ( XX/XX/2018 ) I cancelled the order with XXXX the day after I ordered the couch. ( XX/XX/2018 ) I had to contact them 2 more times before I got a response. Turns out, they were emailing me. Even though I had told them specially not to, I said call or text only. Otherwise, I would not see the messages. 

Then, 2 weeks later, they finally sent an official notice that it was cancelled, no further action needed. ( XX/XX/2018 ) About three 3 days ( XX/XX/2018 ) later, an ~8 foot tall box was standing vertically on my door step, along with a ~4.5 foot long box. ( Photo attached ) Unable to open my front screen door and go in my own home while hold a car seat and a XXXX year old. Frustrating, but even if I did not cancel the order I had chosen the in home delivery ( photo attached ). I contacted them asking why it was still delivered when I had tried to cancel the order weeks ago and when they sent me the official cancellation notice a few days prior? 

They said it looked like the delivery service they hire decided to deliver it anyway so if I still wanted to return it I would have to pay {$150.00} for them to come pick it up. They knew they were dropping off a cancelled order. I was home, there was no knock, no door bell ring, nothing. 

XXXX refused to pick the package up for free or send me a refund and no one on resale pages were interested as a fully packaged couch seemed fishy or faulty. However, I didnt want these huge boxes sitting on my porch or living room floor forever. So, I ended up donating the couch and disputing the charge through capital one. 

Capital one denied the dispute and sent in the mail XXXX   proof which was about 20 pages of a decompressed thumbnail of a screenshot 2.5 inch x 3.5 inch of what I can only assume was their TOS because it was literally just a black blob. 

Capital one saw this and said it was proof. I literally went out and bought a magnifying glass to see if you could even make out words on these thumbnails but you could not. Not even with a magnifying glass. 

I decided to take the debt and give up because if they think its okay to treat a customer this way while accepting actually nothing from the company as proof then I have no chance of any financial justice. 

While reading an email from my XXXX XXXX app they said capital one isnt allowing their customers to access their own private data to use for points. Said that submitting a complaint is available. I did not know this was an option at all for any reason. So in my last efforts of redemption Im submitting this case as a complaint against Capital one.
TransunionFile # XXXXDate XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is not an address is a office address and is not my address nor have I ever rented lease or own at this address. Error of bad address that's by Transunion.
Around XXXX XXXX, 2013, I checked my accounts with Bank of America like I have done every morning. I had a joint checking acct with my son who was in college in XXXX at the time. The normal acct balance has always been low, since I was only able to afford to send him low amounts of money at a time. This morning when I checked the account, the balance was - {$880000.00}. I was shocked. I checked the transactions and they claimed that {$1500.00} was deposited early that morning, but they were a bunch of deductions taken. There was also a purchase of items over {$600.00} at a Rite Aid. All this happened in New York between the hours of XXXX - XXXX. I live in XXXX  and my son attends school in XXXX. I called BOA immediately to report there was some fraud going on. They took my information and I asked them to check the ATM to see who the person was that made the deposit and withdrawals. They deposited fake Money order and took out real money. I do n't know how they were able to do this. I had n't even has so much as a bounced check with them. I found that it was fraud through my son. They first cleaned out my checking and savings accounts and left me {$20.00}. I called and asked why did they take my money when I was the one who called and reported it. They told me " well as least we left you {$20.00} for gas. '' I was shocked they did that so fast without even investigating. Well, shortly after I completed all the necessary paperwork, they quickly send me a letter saying they did not believe that we did n't have anything to do with this. I thought the fraud department was suppose to investigate this. They place this on my record with XXXX XXXX even though I had absolutely nothing to do with this. I am unable to open an account now, and I am being treated like I committed a crime. I am currently looking for my documents. To show my complaint.