WillisBack/dataset-financial-user-claim huggingface dataset:
We have a mortgage with Chase. They have been charging us for Mortgage Insurance. 
Chase for several years kept on telling us we were underwater. First they said they were using a formula that XXXX used. XXXX denies getting involved with the mortgages that they invest in. XX/XX/2014, since we were underwater, we filed a request to Arizona Department of Housing for a grant. Arizona did a complete analysis of the value of our home and determined that our Home was not underwater. We sent the documents to Chase and they ignored our request. We even sent them a Agent 's opinion regarding the value of the property. Never a response. We requested several times a certified copy of the insurance policy so we could review the terms and conditions. The only response we received was a call advising us that the policy was confidential. Nothing like hiding the facts. This year we received a statement advising us that we could request the Mortgage Insurance removal. We did and we received a letter requesting over {$450.00} to review the property. Chase already had the information for over two years and they did nothing. Further, the money they want is really a penalty for the removal of insurance that, under the present value, will pay nothing. Its an illusion that the bank is merely making pure profit without any risk. This conduct is unethical and criminal, taking money for an illusion where there is no risk. We should be allowed to see the policy and the bank has the ability to verify value without making us pay money which acts as a chill from customers to request the removal of the mortgage insurance. As a simple alternative, a reasonable fee could be added to the loan without making people spent almost a year of premium to get it removed.
Hello. I looked into my credit report around XX/XX/18. I saw that my credit report had a XXXX credit card. I never signed up for one. So I disputed it on experian. They said that it was accurate. I called the XXXX XXXX and they said that there is a credit card with my social sercurity number on it but they can not discuss it with me since my name isnt on the card. I disputed it again with Experian and they are still saying that it is accurate. The has good history but its XXXX dollars limit. I would like to have the card removed from my report. ASAP.
I received notification that my mortgage payments were to be made to XXXX Mortgage after XXXX XXXX instead of Loan Care which had been handling the loan for XXXX Mortgage.I made the changes incorrectly to my online bill paying bank, so the payments actually were continuing to go to Loan Care. This was not a problem for two months, but XXXX Mortgage sent me a late payment notice on XXXX XXXX. I have proof of payment on XXXX XXXX which shows the payment went to Loan Care. Loan Care acknowledged receiving the payment and tells me that they did a " pay out '' on XXXX XXXX. They can not or will not give me a transaction ID number or tracking number or tell me where this payment went. It did not show up in my bank account. XXXX Mortgage will not accept my bank 's proof of payment form, but my bank says there is no other proof they can offer. 
I need a refund from Loan Care so that I can pay the mortgage for XXXX.
I had a collection balance on a XXXX XXXX loan for {$9200.00}. XXXX agreed to settle my remaining balance for one payment of {$2000.00}. I am attaching a copy of the settlement arrangement to this complaint. I paid the {$2000.00}. I am also attaching a copy of the XXXX XXXX money transfer. Despite paying the settlement arrangement, as agreed, XXXX XXXX refuses to update my credit report appropriately. Its been nearly 4 months since the settlement arrangement was made and funded, and they are still reporting to Equifax,  XXXX, and XXXX XXXX that I owe them {$9900.00}.
After the XXXX breach I am trying to place a freeze on my credit as my information has been compromised. I am unable to place a freeze as the site keeps crashing for all credit reporting agencies and I also can not obtain a current credit report due to the same issue. If my identity is stolen in the time that I am continually unable to reach the very company that allowed it to happen then I will be the one punished not the company and it I am not interested in having my finances disrupted with my XXXX XXXX  on the way.
Received a response from CoreLogic/SafeRent on XXXX/XXXX/2017, to the dispute i filed, but the issue has not been resolved.
Company did delete 1 of the 10 " court filing inquiries '' that were in dispute but refuse to delete the rest ... Even when I expressed to them that the information they are reporting is false & misleading, and also provided documentation from my current rental property manager, that I have never been evicted, had any judgements against me or owe any balances!!
Collection of {$62.00} filed with XXXX  and posted XX/XX/XXXX : AGENCY CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, OK XXXX  ( XXXX  ) XXXX The claim challengedXX/XX/XXXX with documentation proving the claim was false and XXXX  removed the claim from my credit report ( XX/XX/XXXX. )
There are quite a few inaccuracies that i have tried to rectify with all 3 credit reporting bureaus ( XXXX, Experian and XXXX ). 

1. Mainly being my previous addresses. I have contacted and disputed will all 3 bureaus NUMEROUS times over the past few years and they are refusing to fix it. I have homes on my credit report of which i have NEVER lived, or information that is being mixed in with mine from other family members. I have never lived outside of my county and i have leases to prove where i have lived and how long ive lived there. This is preventing me from obtaining credit and makes me seem unstable. I have even been turned down from a job AND an apartment because of what my credit report showed ( made it appear as fraud ). I called all 3 bureaus on XX/XX/XXXX to try to update the information again. EAch time i was rerouted, or sent to a special agent that told me that ca n't change anything or remove it because a " creditor '' reported that address. Which brings me to another issue.
2. In XX/XX/XXXX, for several months i sent out certified letters to each bureau and called each bureau throughout the year. I told them that i did not recognize ANY of the credit inquiries on my report. I was told by a Special Handling US Agent/Rep that i would have to submit in writing my dispute. I informed her and the other reps that this had already been done. No investigation had been submitted. No one has removed these inaccuracies and once again I was turned down for a credit loan and car loan. This is very difficult for me and I pray this situation gets rectified. It has been WELL over a year and my report remains the same. No disputes or anything further have been filed even though I have called an complained. 

I told them my next step would be to file a complaint with the CFPB, and yet they are very slothful and nonchalant in helping me. I have XXXX children and this is making it very hard to care for them!
On XX/XX/18 I went to the US Bank, atm, located inside a grocery store at XXXX XXXX XXXX XXXX XXXX, Ca XXXX. I requested {$780.00}, using my XXXX XXXX XXXX, card, which is an online bank that my paychecks are deposited to. Instead of the requested {$780.00}, only {$400.00} came out of the atm. The printed reciept also showed {$400.00} had been paid out. I thought that maybe the banks atm, had some maximum withdraw per transaction, limit, so I tried my card again for the additional {$380.00}. I got an error message. When, I looked at my statement, on my phone, it showed, that the full amount of {$780.00} had been deducted from my account. So, I brought the paper atm reciept, and the transaction report on my phone, both time and date stamped to the tellers attention. Since, it was their atm that did the XXXX up, I asked that they, correct the issue immeadietly. I was then informed, that the atm reconciliation happens at the end of the week, and that the disputed amount might be found then, but Id have to wait. It was then suggessted, by the bank that is responsible for the error, that I contact my bank and file a dispute. So I did that only to be told the process could take up to 10 days to resolve, and then and only then would my missing cash or a provisional temporary credit would be put into my account. I went back to the branch where the atm is, and said niether instituition is taking responsibility for how I am faring here. I have an overdue car insurance payment, and pending hitel reservations to pay for. Still all I got as a response was cool indifferrence.
I have been an established customer of Capitol One Bank in XXXX XXXX, NJ. My original interest rate on my account was 1.09 %. Without my knowledge, the bank dropped the rate to .10 % After speaking with XXXX XXXX, she said no problem, I have a lot of customers who complained about the same thing. All you have to do is bring new money in to the bank, open a checking account, and the rate will return to 1.09 % So I presented a check in the amount of {$230000.00} and wanted to proceed with what I was promised. The new manager XXXX XXXX asked me what I am going to use the checking account for and I said some small deposits here and there. He gave me a strange look that made me feel embarrassed, uncomfortable, and like a criminal. Then he refused to open the account. I feel I was discriminated against and was given no reason as to the denial of the account opening. I even escalated to Capitol One corporate. XXXX contacted me and said it is in the rights of the branch manager to decline opening an account. She did however take down more facts about what transpired. Keep in mind their was no heated conversation or bad language. How is it that the bank allows this for some customers and not others? Is it my last name? What is the criteria? I thought ll customers should be treated equally. I am still hurt, puzzled, and felt belittled that day inside of the branch. I feel I deserve an explanation. Thank you, XXXX
I have never applied for credit with this company. My personal information is being used by someone i have not given permission to do this.
When buying my first house, while shopping for a mortgage I decided to proceed with a certain bank based on a specific rate and no points. The bank representative suggested to proceed locking the rate and we did it ( looking back it seems I was just told it was ). 

Once the loan application was conditionally approved, a month later, a point was added to closing costs without informing me. 
I realized it the next day and immediately informed the bank, requesting to remove the extra point. 
The bank refused to remove the point, taking advantage of my necessity to close the purchase and mortgage asap in order to push me to accept the extra payment. 

Looking back at the documents provided by the bank, I recognize that wordings and fine prints might be against my position. But the description of the steps and explanations provided by the bank representatives along the process and the large amount of documentes requested every other day to feed the approval of the loan, put a first home buyer well in disadvantage against unfair treatment.
A Gatestone Rep calls a " list of people who know XXXX XXXX '' in order to ask them personal questions about her. They sound like they are based in XXXX, have thick XXXX accents and mispronounce XXXX 's name. XXXX is my Mother, XXXX years old, not in a position to owe XXXX like Gatestone, ( unless a former creditor of hers has erroneously sold her closed account to this " debt collection agency. '' They call me several times a day, at all different hours, have never heard of our debt collection laws and could n't care less. Worse, is their absolute insistence on sharing my mother 's private information with ANYONE! Can Identity Theftbe far behind? When I attempt to call them back, their phone number is " not in service at this time, '' and call blocking merely shifts them to other IVR numbeers. Please stop these cretins from victimizing my mother any further. BTW..they contact former employees of my mother 's! They are the most mangy creatures currently amid an already shady industry! ''
Since Monday  XXXX   XXXX ,  2017 ,  Barclays is not provided internet ( PC ) access to our online savings accounts. We have had 3 phone calls with Barclays customer service. Each time, the Barclays representative says that a trouble ticket has been entered and that someone would address the issue, and contact us. During the last call, we told Barclays that we would file a complaint with CFPB if they did  not address the issue. As of  XXXX   XXXX ,  2017 , we have received no contact ( phone or email ) from Barclays and we remain locked out of our accounts.
tax lien on my credit report that is not mine. 
so please remove from all XXXX credit reports. 
thank you.
I lost my card and reported a fraudulent transaction in XX/XX/XXXX. I requested a new card then and am yet to receive it! There is money on my account but I can't access it because I don't have a card. I can't even login to the website to request a transfer to another bank because my online account is inactive due to a " problem with my card. '' Ever since I first called to report the card lost or stolen ( and supposedly was sent a new card - they verified my address and everything ), whenever I call I just go around in circles because it asks for my card number ( which I don't have ). I also filed a complaint with the BBB and they called me in response to that, but they called from a blocked number, so I didn't answer. And the voicemail they left just told me to call the number on the back of my card - but I don't have a card to look at the number of!! And so I called the general number I was able to find online but after going around in circles due to not having a card number, I reached someone a couple different times and either got hung up on or disconnected. The next several times I tried to call, it said my wait time would be upwards of 30 minutes, I could only wait about 15 due to already wasting time on the needless phone tree.
XXXX not reporting accurate information on XXXX credit agencies ... XXXX Transunion my account it states that the account was opened XX/XX/XXXX but on XXXX and XXXX it states the account was opened XX/XX/XXXX. Last payment on Transunion is dated XX/XX/XXXX but on XXXX report the last payment is dated XX/XX/XXXX. There is no last payment details on XXXX report. Transunion report states that the account was closed XXXX/XXXX/XXXX. However there is no information on date closed on XXXX or XXXX report. XXXX report shows " failure to pay '' starting XX/XX/XXXX. However, Transunion and XXXX is showing XXXX 30, 60 or 90 day late payments. I ask them to correct this information and their response was " we are not obligated to provide all of the documentation you requested. ''
I called and wrote multiple letters Equifax to dispute some the inquiries on my credit report that were not made by me however I have not heard back from them. I need CFBP to help me resolve these matter.
I sent a foreign check in the amount of XXXX Euros to my Discover Bank checking account after confirming multiple times in multiple instances that they were able to provide such a service. I was told from the very beginning that the check would take 6-8 weeks upon receipt to clear and deposit. I was also told after I signed up for my checking account that foreign checks were sent to another bank for processing. Didn't seem like a problem at the time so I sent the check to address Discover Bank provided me with and they sent me a letter confirming that they have received on XX/XX/2018. Today is XX/XX/2018, way past the 8th week mark, and I have yet to see a change in my account balance. I've spoken with numerous customer service representatives, including 4 supervisors/tier-2 representatives, who have given me different vague and 'customer-friendly ' versions of " we have no idea where this check went ''. I've been told they have started an investigation and are researching into the issue for the past month and there's still no real status update other than we're investigating into the matter. I have spent an unreasonable amount of time and energy contacting Discover. In addition, it sets a standard of distrust ( whether by incompetency of malice ) that these supervisors set up callback appointments and then receiving no phone call, nor any response, at the times promised. Due to the service I've received from this institution I foresee no restitution or acknowledgment of incompetency and failure on Discover 's part to provide with the service I've agreed to enroll for.
I would like to lodge a formal complaint against my servicer, U.S. Bank & their attorneys, XXXX XXXX XXXX, XXXX. 
I received the attached Fair Debt Initial Communications Letter from XXXX XXXX XXXX, XXXX on XXXX XXXX, 2016. It clearly states that I have 30 days from receipt of their notice to dispute the validity of the debt or any portion thereof. It further states that if they do not receive a dispute from me, they will assume the debt is valid. I wholeheartedly dispute their debt allegations & have submitted a validation/verification letter to their attorney, XXXX & XXXX for further explanation. Please note I did not receive a Notice of Default unless that is what htis First Communications letter is purports to be. 
Then, on XXXX XXXX, 2016, one ( 1 ) day later, I receive a Notice of Sale scheduled for XXXX, 2016. Clearly, they assumed the debt was legitimate within a day as they elected to send a Notice of Sale prior to the 30 days passing. They never gave me the opportunity to respond. 
Additionally, over the last two months, I have submitted my Loan Mod Package for consideration 4 times & my mortgage assistant representative keeps telling me via email that they have not received it which I do not believe as I have mailed, faxed & emailed it. And, even though I am eligible for a mod, they keep refusing to give me one. They have added a ridiculous amount of fees to my account over the years without explanation. And now, after all this time, I see that my mortgage amount has decreased. I am not certain why they increased it so much in the first place. Also, there are many accounting errors in my file that they refuse to address. I assume someone made them finally take a look at it. 
I am totally perplexed as to how U.S. Bank & their representatives continue to deny modifications, claim to have lost paperwork & request it over & over again ; conduct all kinds of questionable as well as illegal practices ( i.e. foreclosing on homes that are not the party in interest ; using fraudulent mortgage assignments ; XXXX loans that never were timely placed in a trust ; refusing to disclose the trust name to a homeowner at several written requests ; refusing to respond to question on QWR ; TIL violations, etc. ) & get away with a slap on the hand. I have plenty of documentation to back up every allegation I have asserted & more. 
I respectfully ask that someone of authority have a real look into these matters & that U.S. Bank & their representatives follow the rules & laws implemented. After all, since they are attempting to conduct a non-judicial FC based on a Power of Attorney signed without me having representation, the fact that they are not the party in interest as required in Georgia to conduct a non-judicial FC ; the Mortgage Assignment clearly is fraudulent ; XXXX XXXX XXXX issues, etc., they should be duty-bound to proceed within the rules & not be allowed to continuing stealing homes that have no legal right to. 
Their repeated actions seem to have no viable consequences for them.
I have written Equifax several times, yet every time my loan officer pulls my credit report it still reads the same. The creditor name is " N/A ''. This is not accurate, not verifiable, and therefore illegal in reporting. They have always done this and I keep wriring them to point out and then they tell me who the creditor is. As they have had multiple opportunities to fix this mistake and refuse to change their ways I demand this be removed! 
You will see in what I attach all the "??? '' where I do not have a creditor name to write down! 

The account number showing is XXXX for {$1000.00}. I have no idea what this is!
Wells Fargo closed my XXXX credit card account ending in XXXX on XXXX/XXXX/XXXX without providing me any advance notice. The problem with this is that I had earned XXXX points from purchases made with this card that were frozen that day and subsequently removed from my rewards account. These points had a cash value of {$430.00} ( XXXX cent per point ). I had no advance notice allowing me to use these points before they were revoked. In fact, I found out about my account closure by logging into the wellsfargo.com banking system and discovering it myself. A letter dated XXXX/XXXX/XXXX was mailed to me AFTER the account had been closed with the reasons cited as : Over Six Months Account Inactivity XXXX or more credit inquiries in the last 2 years on credit report Insufficient length of time accounts ( s ) on credit report has been established This card was opened on XXXX/XXXX/XXXX and had been used as recently as XX/XX/XXXX, which was just over 6 months prior to the date they decided to unilaterally closed my account without advance notice. The other reasons cited for the closure are far from anything unusual and should not have resulted in any adverse action by the bank. I was also planning on using this card for upcoming travel, where I would be able to take advantage of an annual {$100.00} airline fee reimbursement credit included with this XXXX card 's benefits. 

When I contacted Wells Fargo, they said that they would not reinstate my rewards points nor would they re-open the card without me applying as if I was opening a new card ( recquiring a credit inquiry ), but I pointed out since they just closed my account due to vague credit activity, it was unlikely they would approve me for a new account. 

I believe that the state of California prevents a bank from closing a credit card that results in the loss of rewards earned without providing advance notice to allow the account holder to use those rewards. Please at least help me get my XXXX rewards points or a check for {$430.00} from Well Fargo. I would also prefer to have the account re-opened w/o incurring any credit inquiry activity, as I have also lost the annual {$100.00} airline charge benefit without being able to use it. Failing that, I also want a {$100.00} airline fee reimbursement credit to be provided to me by Wells Fargo. Thank you!