WillisBack/dataset-financial-user-claim huggingface dataset:
Greetings, Thank you for trying to protect us from evil. First off, I have been a Chase customer for many years and I have PAID OFF SEVERAL BALANCES ON TWO CARDS. My balance is 0 now, I have not used card in a few months and I am getting phishing scams on a personal email for my info., so I call Chase to lock my acct. for a few months, because I don't want to close acct., effecting my credit score. They are oh so nice and tell me yes they can lock both my business and personal acct. for a few months, just call when I want to use. Now today I get an email, telling me, if I don't use my acct. THEY WILL CLOSE IT. Chase is the most evil company I have ever dealt with & they need to be held accountable for their evil practices against customers who have paid their debts for years & have excellent credit and THESE COWARDS NOW WANT TO CAUSE MY CREDIT SCORE TO BE LOWERED BY CLOSING MY ACCT. PLEASE PLEASE ADMINISTER FINES TO THIS COMPANY FOR CUSTOMER ABUSE. I DON'T WANT TO CLOSE MY ACCT. BUT THESE COWARDS ARE FORCING ME TO CLOSE THE ACCTS. BECAUSE I AM FOCUSING ON PAYING OFF MY DEBTS AND THEY CAN'T STAND IT. PLEASE HELP US PROTECTION BUREAU.
I have had 2 unauthorized charges from XXXX XXXX / XXXX XXXX XXXX on my account since XX/XX/XXXX. I did not notice it until XX/XX/XXXX. I have not had XXXX XXXX for power since XX/XX/XXXX. I have no active accounts with them.
I've requested proof funds were received by myself from a check fraudulently cashed in my name from Capital One, they provided info for the third party whom intercepted the check and cashed it, did not provide proof check was cashed by myself and funds received. This is a replacement check sent on or around XX/XX/XXXX, delivered to my address on XX/XX/XXXX while I was away on vacation. Another party intercepted the check, signed my name on it, deposited it to a XXXX XXXX XXXX. A XXXX XXXX provided info showing the account was at one time linked to my Capital One account, not when check was cashed which is what matters. Had the account been linked at time check was cashed by other party, that might show funds were received by myself, which they were in fact not. A funds transfer from XXXX XXXX to my account showing the amount would constitute proof of receipt of funds. However, account was not linked at that time and there is no transfer of funds. She also references a check deposited in the amount of XXXX from the XXXX XXXX account to my Capital One account, which has nothing at all to do with check cashed in my name and funds not received. That check, in the amount of XXXX, has nothing at all to do with check in question in the amount of XXXX. I will again reference my signature on file, a signature card was provided at time of account opening, this is my true signature and is not the one on check, Capital One/XXXX XXXX will not bother to check this as they know I was not at my address to receive, sign check, cash it. Needless to say, they have no proof at at. At this time I would request the name of the supervisor of XXXX XXXX, in order to speak with him or her about this matter and the fact she has failed to provide the physical mailing address to send notice of small claim suit to or provided evidence I received check, cashed it, received funds.. She continues to refer to a third party web-site address which handles such notices, that site did not show a mailing address. She stated previously she would not reply to additional complaints and is again saying she might not reply ... .This goes to show her level of ignorance, I believe a reply is required by the CFPB which she should know ... In closing, she could avoid continual complaints if she wants to get check reissued. I am owed a total of XXXX by Capital One, they chose to stop payment on a prior check which was cashed by myself, the day before I left on XX/XX/XXXX..This is their error which they will not admit to
For about the last 90 calendar days ever since that " Equifax Data Breech '' happened I have trying to get " Equifax '' to REMOVE an out-of-state address multiple times that I have NEVER lived at with NEGATIVE results. 
Around the middle of XX/XX/2017 I ordered my " Equifax '' credit report have the " Equifax Data Breech '' made the headline news on XXXX XXXX, etc. 
Under the " Previous Address ( es ) '' box it WRONGFULLY list that I used to live at : " XXXX XXXX XXXX, XXXX. ; XXXX XXXX ; XXXX XXXX, Minnesota ; XXXX. '' I have NEVER even traveled to Minnesota let alone LIVED there. 
I work for the XXXX XXXX XXXX for the last 30 consecutive years. 
You have to live in the XXXX XXXX XXXX in order to be able to work for the XXXX XXXX XXXX with a valid XXXX XXXX XXXX driver 's license as I have. 
Yesterday I received ANOTHER copy of my " Equifax '' credit report with that WRONG " XXXX XXXX, Minnesota '' address STILL listed it!!!!
Several years ago I spoke with a representative of Bull City Financial. I told them that I had sold the business and the new tenant took on the responsibility of the utilities. I have a copy my credit report showing that they are still reporting me as responsible. I also have a copy of the Assignment and Assumption of Lease Agreement that specifically addresses the utility bill issue. I can upload them for your review.
Dates, amounts and actions : On XX/XX/XXXX I got a mail notice about an overdraft. I opened the account online and was appalled to see the bank had charged me overdraft fees against a positive balance that put me in overdraft and then proceeded to charge me daily overdraft fees against the overdraft they caused. There was no attempt made by the bank to reach out. The negative balance got deeper and then my insurance company made drafts against negative balance of which {$36.00} per draft was charged while the {$7.00} daily fees continued. 

The total of the overdraft came to {$250.00} of which {$290.00} were overdraft and services fees charged in a 20 day time period. 

I talked with XXXX XXXX at the XXXX Customer Contact center of BMO Harris Bank. This was on XX/XX/XXXX at or around XXXX. I have been a customer at the bank since XX/XX/XXXX. He proceeded to lecture me on the overdraft. I have never seen a daily overdraft fee. I asked him when the bank had put this policy in place as I never would have agreed to it. He claims the policy was put into place when I opened my account 18 years ago. 

I asked him if he had paper proof of that, and all he responded with was I can show you the current terms of your account. Frustrated with the apparent disregard they had for customer relations and the attempted dressing down from a person who wouldn't give his last name, I hung up. I'm XXXX Years old. I didn't intend to get emotional, but the attitude and wanton disregard for the past 18 years of being a customer put me into overdrive. 

This is just flat out robbery by another name. Overdraft fees, on top of daily OD fees, on Top of Overdraft fees as in the Punishment will continue until morale improves. I have wired enough to cover the overdraft, but the best out come for me is that this go as public as possible. A bank can only be as good as the service they provide and they all provide some variation of the same service. We bailed them out 8 years ago via tax payer dollars and then govt borrowing as the Fed printed up trillions to make their balance sheets whole again. Not one of them went to jail and now they rob us blind with apparent impunity. 

I realize with your budget cut, your ability to reach out is limited. I thought I would give it a try.
I have been disputing this account for over a year. I have requested validation of this said debt & have gotten no where with this. I just recently filed a dispute XX/XX/XXXX & it came back XX/XX/XXXX verified again, without providing me with any documents to support to the validation. They also changed my status from charge off to 120 days from XX/XX/XXXX-XX/XX/XXXX. This is effecting me a lot & I don't see how this could be legal. This should be removed from my credit files immediately. The amount reporting is {$470.00} Company information : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
On Friday XX/XX/XXXX I discovered that 4 ACH withdrawals were made from our savings acct. {$450.00}, {$900.00}, {$100.00} and {$2100.00}. I immediately contacted our bank Citizens bank and it has been a nitemare!! I went thru 5 different people and finally made a complaint on social media. I then was contacted and told that they would work on it and wed hopefully have our $ $ by today or tomorrow. I asked the bank how this happened as we have NEVER had an ACH withdrawal from our savings before. No one can give me an answer. I filed a complaint with the XXXX and my complaint with Citizens has now been brought to the attn of the chairmans office but when they called me today, they said nothing except their name and that theyd be handling my case? She said Id get a phone call by the end of the week?? I just now discovered that 2 MORE FRAUDULENT WITHDRAWALS HAVE TAKEN PLACE TO MY CHECKING ACCT!!! {$400.00} and {$600.00} ... .I called the bank again at XXXX XXXX ... spoke to a supervisor who filed those two additional claims and only apologized!! I am disgusted and I want my money!!! I want answers too!! How did this happen?? What kind of fraud security am I being provided with? No one at the bank can tell me?? I want my {$4600.00}!!! Im filing complaints with the state tomorrow and will continue to do so until our money and explanation is returned
XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
The Dismissed Bankruptcy filed in 2008 has been removed from XXXX. Why hasit not been removed from Equifax. Typically when an item is removed from one reporting agency, it 's removed from all of them.
Company I am having an endless problem with is Trident asset management, For years i have been trying to resolve this account and trident has stated that they were the only organization with the authority to remove a disputed debt, they withheld the fact that cfpb exists to help frustrated consumers and when I confronted a trident rep about this fact, they hung the phone up. -- -- The amount trident claims I owe is XXXX, which is completely incorrect. -- - The documentation sent to me regarding this debit is void of any detailed information and is inaccurate. The invoice starts with an amount of XXXX on XX/XX/2013 for previous charges, I have requested numerous times for a detailed account of what the previous charges are specifically for and trident has refused to disclose the information which appears they have no such information. -- -- The other charges on the invoice is for a reconnect charge on XX/XX/2013 for XXXX, my service was never disconnected nor reconnected. There is then an additional charge for XX/XX/XXXX to XX/XX/XXXX for a full months service at XXXX then another additional charge for XXXX for XX/XX/XXXX to XX/XX/XXXX again. -- - Then there is an additional charge of XXXX for an early termination fee, at no time was service ever terminated early, the residence which service was provided at, I had moved from and called to disconnect service. The information supplied gives no clear indication of what the debt is specifically for and is charging for services and issues that were never incurred. When I closed the account with XXXX they stated the account was closed and there were no issues, then somehow one year afterwards I started receiving this invalid debt collection from Trident and they have not supplied any substantive information to date.
The process server phone # is registered to Hunt & Henriques, see attached XXXX XXXX listing. It should be illegal to misrepresent using a process server that never existed and is in fact registered to them. 

Also highlighted is the name XXXX XXXX in their response, which is not me. 

I was NEVER served by them.
I signed up for a Home Depot credit card. Stupidly, I gave Home Depot ( actually Citibank ) my social security number. At the beginning of XXXX Citi dunned my account when I had previously set-up the account for auto pay from my local bank. When I went to Home Depot and tried to buy with the HD card, I could not. When I called the credit card nbr, I reminded the rep that I had requested auto-pay. Citi promptly and correctly took an amount for that billinig cycle. But I have heard from XXXX XXXX that this type of mini-fraud occurs often. 
Citibank as of today says it can not remove my SSN from its database. I asked Citi two days ago for my remaining balance to transfer to my local bank. I have not received it.
My mortgage loan was just transferred. The new servicer ( PHH Mortgage ) offers NO OPTION for payment either online or via phone WITHOUT " processing fees. '' In the modern world, these are THE MAIN METHODS people use to pay. Are you telling me I can only avoid processing fees ABOVE AND BEYOND my monthly mortgage payment by using snail mail? Very manipulative.
My car is financed with Chase, I bought the car on XXXX/XXXX/14 and my first payment was made on XXXX/XXXX/14. I went into XXXX XXXX XXXX XXXX XXXX to open a secured loan and credit card in an attempt to rebuild my credit, the Manager told me the car was not on my credit report and advised me to go contact them to get them to report the car, I went into the XXXX Branch XXXX and they called the credit department with auto and I spoke to someone and he assured me it would be taken care of in no later than 6 weeks, I called after the new year to check on the status and spoke to XXXX XXXX XXXX ext XXXX went thru the whole story to explain, she told me the problem was with XXXX and I was to call them and get it put on the credit report, she gave me all XXXX reporting agencies phone numbers, I called XXXX XXXX and was told it they could n't do anything about it, it was Chase 's responsibility to put on my credit report and they were the only XXXX that could. I called Chase back and spoke to XXXX she said she would look into it and call me back, she called me back and said they could not put the trade line on XXXX XXXX and that they pulled it off of all the bureau 's I did n't know it was on any. So now I requested her manager and was told XXXX XXXX would be calling me, I waited 2 days and no one called me. So I went into the Chase branch at XXXX XXXX XXXX, XXXX, La. XXXX and spoke to XXXX XXXX ( branch manager ) AND explained again she called credit department and after several departments she had to speak with we got XXXX XXXX on the phone the same person that never called me, she said there was something defective with getting it reported to XXXX XXXX, and said Chase decided to pull the remaining agencies. I requested all XXXX to be reinstated and she said it would not because I had requested the Corp Office address of Chase and I could call them.I did tell XXXX that I have never heard of this happening and asked for the XXXX address to report it to and FTC and the Consumer protection agency, due to I pay my loan on time every month and can prove it, I feel as a consumer my rights are being denied.I am a single person trying to rebuild my credit from Foreclosure and Bankruptcy. I am in the process of opening a new business and this is very important to my credit score. This car was bought after the Bankruptcy.
I have had problems with setting up repayment while still in school. Had to submit enrollment form twice to stop the repayment starts. Below shows last year when the issue first started XX/XX/XXXX : Has my school enrollment been updated because I have a payment due on XXXX but I am still enrolled in school till the end of XX/XX/XXXX? XXXX XXXX XXXX Account # XXXX Then XX/XX/XXXX they still had me owning and past due after the school sent an email they faxed in my enrollment form. <P/>In XX/XX/XXXX I was told loan repayment would start XX/XX/XXXX. On XX/XX/XXXX received and email payment due XX/XX/XXXX. ( Three days later ). <P/>I called on XX/XX/XXXXabout XX/XX/XXXX payment and asked was there going to be a draft from my account and was told no. That my XX/XX/XXXX payment covered the XX/XX/XXXX payment and account showed I was ahead. I was on vacation and stress this to customer services and was told, " Nothing will come out on XX/XX/XXXX. '' That Monday my account was drafted {$630.00}. I had to get a payday loan to cover my car note and auto insurance that were set on autopay from that account. I called and asked to speak with a supervisor to be told the agent I spoke to on XX/XX/XXXX did n't know I did the autopay online and not through them. I said the online autopay is through you. I asked to cut off my autopay ( which now I lose interest rate reduction ) and refund my {$630.00}. I have not confirmation of it happening.
For years I had credit limits over XXXX. Then the credit crunch came and many non used accounts were just closed and credit limits reduced in a one way transactions. The banks just reduced credit limits. I been working with social security XXXX and have just been approved after a 3 year period of struggle. Now I have Wells Fargo reducing my credit limit without any notice. Just boom. The credit market is so tight, its totally out of control. These big bank officers should have been put in jail for the great recession, just like the savings and loan scan.dal in the 1980 's. Now out of the blue, Wells Fargo lowered my credit limit, again restricting and reducing credit scores and credit limits. Absolute control by the rich and powerful XXXX! Totally out of control in this county, XXXX over a veteran and XXXX individual just because you can.
Company has wrong information and continued pursuit of payment. Account was a debt settled with insurance for XXXX  appt. Continued to be billed for charges covered by insurance. Unethical and illegal.
In  XXXX     2017 I  talked to a customer service rep at Navient concerning a rate reduction plan payment plan. He advised me that I only had to pay {$170.00} a month for 15 months. So I set up a recurring payment plan with them so that they could take it off of my card on the  XXXX  of every month. I even received a letter stating the payment amount and confirmed it. I got a call today   XXXX /2017  saying that I have to pay  XXXX  a month and I told them that i was told another amount and they said the representative had given me the wrong information and I was like I should not have to suffer because of that error. That was a big error on their behalf. I think it is not fair and I think that I should not have to pay that high amount.
This agency Global Finance continues to call on a automated line on a daily basis and I 've called them to let them know that whoever they 're trying to reach I do n't know that person and to please STOP calling and they said that they would but I 'm still receiving calls asked them again this morning.
Calling me at my place of employment. I am afraid this will get me fired. I dont think this is a legal way to contact me.
I spoke to a very nice supervisor in iowa branch, and her name is very nice lady, wells fargo is charging me a {$320.00} for my escrow account, my loans was sold to them, and I signed agreement, that I 'm not responsible for such dues, then yesterday XXXX XXXX, 2017 I received a letter from them saying I have to pay them XX/XX/XXXX, and those are not legal, when my loans was transferred to them, I 'm not responsible for what ever escrow account bills I will received. This company is taking advantaged of the loans, that they bought it, I 'm asking if this agency will do an investigation, because this amount of money is too much for me. this mortgaged company has practices, of taking advantages, of let say the loans was bought from them, the poor home owner, who do n't know anything, one day they Wells Fargo will just received a letter saying I owed them.
I filed a complaint bbagainst IBERIABANK for using a false debt to income ratio to deny my application for a home equity line of credit.The response letter is further evidence of what I experienced. This bank will not explain what their criteria is concerning debt to income ratio, and how it is calculated.They have now changed the reason for the loan denial to lack of verifiable income.This is also false. My XXXX per month income was verified by a signed IRS form XXXX ( request for transcript of tax return ) signed by my wife and myself. And the monthly debt payments of less than XXXX was verified by the credit report.There are no inconsistenciesregarding the hand written tax return. Banks use form XXXX to verify that all information on tax returns are accurate. Finally a bank can not consider income on forms XXXX as unusual, And refuse to count it as actual income. All of these falsehoods ; and changing the original reason for denial ; to lack of verifiable income, is more evidence of my original thoughts. I believe the real reason for denial was age discrimination.
On XX/XX/XXXX I sent a dispute letter to XXXX XXXX XXXX XXXX for a account that is {$0.00} and was open XX/XX/XXXX to come off my credit report. The letter was returned mail. So I sent Equifax on XX/XX/XXXX a returned mail letter stating that the address they use to report on my credit report is false information and should be delete off my credit report. They send me a update of the address but the old address is still the same on my credit report.
On XX/XX/2016 I shopped at XXXX. While in the check-out line the cashier asked if I would like to join the XXXX Rewards Program. I said yes but not if it was a credit card as I did not want a credit card. The cashier stated vehemently this was a rewards only program. At the end of the transaction the cashier smiled and said you qualify for a credit card. I then asked to speak to the store manager and once again said I did not want a credit card and that the cashier had lied to me. He stated the transaction would be backed out and assured me I would not be getting a credit card. 
I was shopping with a friend who will testify to this entire transaction. The lies of the cashier and the Manager on Duty lying as well. 
So you can imagine my shock this week when a credit card arrived in the mail. A credit card I did not request and in fact said I did not want. This is an illegally opened credit card and I intend to move to have your store held accountable for this. You have messed with my credit and committed a criminal act.
On XXXX/XXXX/2015, I mailed an envelope from the XXXX Post Office to my landlord 's business address in XXXX, CA ; the envelope contained a personal check from my account at First Republic Bank payable to my landlord in the amount of {$1600.00}. On XXXX/XXXX/2015, an unknown individual entered a XXXX XXXX branch and negotiated my check with a forged endorsement. On XXXX/XXXX/2015, after communication with my landlord I contacted First Republic and let them know that my check had been fraudulently cashed. I then went to the First Republic location in XXXX XXXX and filed a fraudulent activity report after which I was told that the case would be reviewed and my account would be provisionally credited the missing funds. In the subsequent days I was told that First Republic does not offer provisional credit for fraudulent check activity and that the report/claim was in the hands of XXXX Fargo Fraud Department for resolution. 
I have been contacting a manager at First Republic weekly since the incident and am simply told that the fraud investigation is in the hands of XXXX XXXX. No timeline for a resolution has been offered and my attempts to contact XXXX XXXX Fraud have been totally useless - their Byzantine customer service/fraud department simply transfers a person back and forth. Is there no banking regulation that protects customers in the event of fraudulent endorsements?
A address was reported on my credit report on XXXX/XXXX/XXXX and it was n't me