WillisBack/dataset-financial-user-claim huggingface dataset:
Chase bank closed my account without any reason at all. When I asked them to give me a reason, they stated they do not need to give me a reason. This is an account that I opened in the branch, with all docs they requested of me. It is a business checking account for the NON-PROFIT CHARITABLE FOUNDATION that I started about 5 months ago. I have several other accounts at Chase - personal checking and savings, business checking and savings. They chose to close the account for my charitable foundation unilaterally and told me repeatedly that they do not need to give me a reason. I am not involved in any kind of illegal activity, or even any kind of activity that would be considered questionable. My charitable foundation is a membership organization that pools funds every month from members and donors, and writes a check to a recipient who needs the money due to medical bills, job loss, etc. I ca n't believe they would do something so heartless.
My wife, XXXX XXXX XXXX, has an account with American Express Bank, FSB ( acct # XXXX ) for which I, XXXX XXXX XXXX was designated as P.O.D. Beneficiary. XXXX XXXX XXXX from XXXX XXXX on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I called American Express Bank, FSB to report XXXX ' ; XXXX XXXX. I spoke with XXXX who told me to mail and/or fax a copy of the XXXX XXXX and a letter of instruction. The fax did not answer, so I mailed the XXXX XXXX and letter of instruction. XXXX informed me that it would take 7 to 10 days to process my request. On XXXX XXXX, XXXX, I placed a follow-up call to American Express Bank, FSB and spoke with XXXX who informed me that I would be receiving an Affidavit of Identity that I would need to take to my local bank, sign, and have notarized. XXXX again informed me that it would take 7 to 10 days to process my request. On XXXX XXXX, XXXX I sent American Express Bank, FSB the Notarized Affidavit of Identity with another letter of instruction. On XXXX XXXX, XXXX, I called American Express Bank FSB to follow up on this matter. I spoke with XXXX who informed me that it would take 7 to 10 days to process my request. ( it had been 17 days since I mailed the last letter. It is now XXXX XXXX, XXXX and I still have not received my Money. I am enclosing 14 documents outlining my travails. They are : 1, 2, 3 - American Express Bank, FSB statement of XXXX XXXX, XXXX, 4 - My notes from the XXXX conversation with XXXX, 5 - a copy of the failed fax report, 6 - a copy of my letter of instruction of XXXX, 7 -  My notes from the XXXX conversation with XXXX, 8 - A copy of a letter I received from American Express Bank, FSB, 9 - a copy of my letter of instruciton of XXXX, 10 - a copy of the Signed and Notarized Affidavit of Identity, 11 - My notes from the XXXX conversation with XXXX, 12, 13, 14 - American Express Bank, FSB statement of XXXX XXXX, XXXX.
I was told to email this email to notify them of a story that is going on right now. Rushcard XXXX of the leading prepaid debit card companies has been holding XXXX of its customers funds hostage since Sunday night. They reported an update to take place on Sunday night from XXXX to XXXX. It was then released that it would go until XXXX Monday. It is now XXXX on Tuesday and XXXX of customer like myself are without funding. I cant get into my online account because it says its locked, when you call the customer service line it hangs up or you sit on hold for hours on end to no reply, when you email or inbox them it does n't get a reply this is ripping people off. We have no XXXX to else to call no one else to email or inbox. I think the media needs to shed light on this situation. I am not able to make any bill payments, my payroll check has not be loaded to the card, and if you check any of their social media you will see a lot of people that are just like me. Please he lp bring this story to light so we can get something done. We are being bullied out of our funding that we work hard for.
In XX/XX/XXXX I settled 5 charge off accounts with XXXX XXXX XXXX XXXX. We are in agreement that the accounts are paid in full and paid as agreed. I have included a settlement letter from XXXX that confirms this. A 6th account was settled in XXXX XXXX, letter attached. All 6 accounts appear on the included Experian Credit Report, with red boxes marking the items described herein on pages 6-9 of the credit report. <P/>XXXX stopped reporting the payment history on each of the accounts marked in red boxes in XX/XX/XXXX, but started reporting derogatory payment history anew, when I settled the accounts. This inaccurately reflects my payment history and RE-AGES my account in violation of the FCRA because it shows a recent delinquency. <P/>The attached letter confirms these accounts are PAID AS AGREED. Thus, the derogatory payment history must be deleted in accordance in the FCRA. The new reporting of derogatory information results in a reduction in my credit score. When I paid the accounts off, instead of an increase in my score, I received a DECREASE in my score due to recent delinquencies when XXXX suddenly began reporting them. If XXXX fails to delete the payment history, its only other option is to update the entire history as derogatory beginning when the first payment was missed for each account. <P/>Additionally, XXXX continues to report 'Creditor can not locate individual ' which is false, as shows on page 9 of the Experian credit report, marked in red. XXXX has been in regular contact with me since XX/XX/XXXX, as proven by the attached letter confirming my settlements. I have twice tried to get them to remove this derogatory description using the dispute process, and each time they have 'verified ' it as accurate. This is clearly erroneous. <P/>I have contested these accounts with Experian and they received 'verification ' from XXXX that the accounts were reported accurately. As proven herein and by the attached, XXXX 's Experian reporting remains inaccurate. <P/>Having exhausted the dispute process with the Experian credit bureau, I am seeking resolution via the CFPB as a next step.
Nationstar Mortgage , LLC refused to provide me with my Promissory Note and more importantly refused to provide me with the name of my mortgage company in spite of my request.
XXXX XXXX Contributor : XXXX XXXX XXXX Contributor Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 

Dear Sir or Madame, I am writing to dispute the following information listed below, which appears on my credit report. 

It does not relate to any transactions that I have made. It is the result of identity theft. I can confidently assume to be a victim, I did not initiate or approve the transactions. 

I did not authorize any transactions on or after this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

Durning that time my significant other added me to their bank account for emergency purposes only ( paying bills etc ) I never used or added any funds to the account. It was strictly In case of emergencies. 

Please investigate this matter and take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

Sincerely,
I called Capital One multiple times to try and submit a dispute/chargeback for a product I bought that did n't meet standard. I called multiple times to try and initiate a " case '' against the merchant, but each time I was unsuccessful. My internal capital one " case '' was closed multiple times on the basis that I had resolved my dispute with the merchant on my own. That was untrue, and I have since been told that I can not continue my " case '', as its past the timeframe they allow.
I had a car loan with XXXX bank that I paid off completely due to an accident. Santander bank is reporting to the credit bureau that my account is a charge off account and that is incorrect. I have contacted both the credit bureau and santander bank and this has not been corrected. I received this loan around XXXX. When I called santander bank I was told that since my account went 90 days past due that the bank considered the account charged off despite the fact that I brought the account back into good standing and was making monthly regular payments on time.
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX with XXXX and 30 days late as of XX/XX/XXXX with XXXX and XXXX  I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
I signed up for an American Express card with a bonus offer of XXXX Membership Rewards points after spending {$3000.00} in three months. I met these requirements, was given my points, then at the 3 month mark, American Express took the points away, as an " adjustment ''. 

I was then told by various representatives that my points were taken away because I was certain purchases were returned and that these returns brought me below the {$3000.00} requirement. But upon checking my transaction history, there were no such returns and I had indeed met the requirements.
I agreed to co-sign my grand-daughter 's college loan, Sallie Mae, 2 years ago. They now have us paying for a loan that was to be deferred and I owe more than she does. We are XXXX and worried about this situation. Can you help us?
The information that is reporting on my credit report regarding this loan is grossly inaccurate. I have attempted several times, in vain, to contact the company to have this information verified and if not, removed. Yet they continued to update the same information including inaccurate balances, false notifications of debit, and incorrect dates. XXXX XXXX was not even the original creditor of this loan and it appears they have the date they took over the loan listed and not the actual date. Hence so much confusion regarding the validation of the debit, balance, and payments. Once the vehicle was repossessed it was then sold and I was supposed to be notified of any balance which they never did. But moreso this was over 8 years ago and its still on my credit report and they refuse to remove it or provide validation of the debt they continue to say its valid without providing proof as the law demands. 

Since none of this has not been done I am asking the CFPB to investigate their deceptive business practices. This debt has remained on my credit report despite the numerous disputes far past the allotted timeframes. 

Sincerely XXXX XXXX
On XX/XX/2018, I received a letter from XXXX XXXX stating that I owed a debt from XXXX XXXX in the amount of { {$640.00} }.  XXXX XXXX agrees to settle the debt on XXXX XXXX behalf for {$540.00} in three payments on the following dates XX/XX/2018,XX/XX/2018XX/XX/2018. On XX/XX/2018, I completed the debt as agreed. XXXX XXXX stated they would contact all three credit bureau to update my credit and they would send a letter/notification to XXXX XXXX that the debt has been settled. I call XXXX XXXX to follow-up informing them it has been more than 30 days since this debt has been paid, and they have not sent the correct information to XXXX XXXX nor have they updated the three credit bureaus. XXXX XXXX is clearly in violation of the law by reporting incorrect information to the credit bureau. This debt should not be collectible, as I have completed the agreement of the settlement. I have called XXXX XXXX numerous times speaking with supervisors who have stated they would send a letter to XXXX XXXX, myself and also update the three credit bureaus, which they have fail to do. This company continues to hold my credit hostage and to violate the law.
HSBC ( Hongkong and Shanghai Banking Corporation ) dba : Household Finance Corporation ; Beneficial Finance XXXX XXXX XXXX XXXX, XXXX, MN XXXX The Mortgage Bankers at HSBC gave us a sub-prime mortgage loan on which they foreclosed in XX/XX/XXXX. 
Our family has not been compensated for the illegal foreclosure of our home during the XXXX foreclosure crisis. We are asking that we be fully compensated {$300000.00} for the bank 's seizure of our home. There are millions of dollars floating around within the financial systems to compensate families like ours, yet we have not received compensation for the seizure of our home. 
My son was XXXX XXXX XXXX when our home was Foreclosed. He is now XXXX XXXX XXXX, and through his studies at school he has become well educated in the 'Troubles ' of XXXX XXXX and the XXXX Conflict. Similar to these situations our family was DISPLACED. We have been homeless and domestically unstable since our house was seized XX/XX/XXXX and then immediately sold on the Foreclosure Market for well below it 's actual market value. 
I have had discussion with my son regarding the conflicts that arise in other parts of the world when people are displaced from their homes. I told my son I do n't want to talk about XXXX and I do n't want to talk about XXXX anymore. I want to talk about the XXXX and getting XXXX and XXXX XXXX ( our family ) compensated for the sub-prime mortgage foreclosure of our home XX/XX/XXXX. We are asking to be immediately fully compensated for the illegal seizure of our home.
I recently noticed a Capital one Auto Finance appearing on my credit files. I requested that Capital One validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation letter, however, they are continuing to report this misleading information on my credit file.
On XX/XX/XXXX I submitted the exact same dispute to both Experian and XXXX, regarding XXXX XXXX XXXX and XXXX XXXX. 

Both credit reporting agency websites rejected the documents I tried to upload so I mailed them via USPS certified mail on XX/XX/XXXX. I sent the same exact documents to both credit reporting agencies, and copies to XXXX at the same time. ( I had previously complained directly to XXXX ). 

XXXX sent me a notice dated XX/XX/XXXX that they had investigated my dispute and had DELETED both XXXX XXXX XXXX XXXX from my credit report. 

Experian however, notified me on XX/XX/XXXX that they " reviewed the documentation I provided with my dispute, but have determined that we are not able to use it to make the changes or deletions you requested. We are contacting the furnisher of the information or the vendor who collected the information from a public record source. '' I received a notice dated XX/XX/XXXX that Experian " updated '' the information in my report. The cover page of their notice states " OTHER ITEMS DISPUTED ARE NOT CURRENTLY DISPLAYING ON YOUR PERSONAL CREDIT REPORT ''. While I do not see XXXX XXXX displaying on the report, there is no indication in the report that they have actually deleted any information from my credit file. This seems to be a misleading statement intended to lead me to believe the information was deleted when it in fact is just not printed. 

Also, Experian explicitly stated that it " updated '' the XXXX account, but the information is not materially different to what they had before, which is still FALSE information. 

It is my understanding that if one credit reporting agency receives credible information that results in deleting accounts, then that credit reporting agency has procedures in place to notify other credit reporting agencies as well as the furnisher.
XXXX XXXX student loans are still shown on my credit report frm XXXX XXXX & This school is closed and no longer opened plus the loan comany has switched frm mutiple companies. Starting from XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX
1 ) XXXX  XXXX, XXXX XXXX XXXX ACCOUNT # : XXXX,, XXXX, XXXX, XXXX. {$540.00} ; {$540.00} ; {$1300.00} ; {$300.00} PLACED FOR COLLECTION : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I contacted XXXX Er Specialists on Tel : ( XXXX ) XXXX. I spoke to XXXX XXXX XXXX. She wants me to contact XXXX XXXX to produce itemized statements and signatures that shows I owed those four bills posted on my credit reports. XXXX XXXX, XXXX refused to talk to me. I did not receive any document from them. 
2 ) XXXX XXXX XXXX ACCOUNT # : XXXX ; {$600.00} Enclosed is the letter from XXXX XXXX that account has been paid in full. One account was reported by two collections agencies, the XXXX XXXX XXXX and XXXX XXXX XXXX. 
3 ) XXXX XXXX XXXX ACCOUNT # : XXXX ; {$600.00} Enclosed is the letter from XXXX XXXX that account has been paid in full. 
4 ) XXXX XXXX ACCOUNT # : XXXX ; {$530.00} My daughter XXXX XXXX signed 2 yrs contract with XXXX and I assumed the contract. Contract expired and equipment returned. XXXX XXXX  needs to produce signed contract for my daughter and I. The document produced by XXXX was not enough evidence that I still owe any bill with XXXX. XXXX billing system continues to generate bill and that was the one XXXX claimed I owed. There was no early termination, the account was assumed by me from my daughter. 
5 ) XXXX ACCOUNT # : XXXX The collection department rep, XXXX XXXX claimed he was not aware why they placed this account on my personal credit. He claimed it was erroneously placed. It is a business account that has many shareholders and I am one of them. Account belongs to XXXX XXXX, XXXX XXXX number XXXX. 
6 ) XXXX XXXX XXXX XXXX ACCOUNT # XXXX ; {$7700.00} This company made payment arrangement with me and at the same time maliciously contacted the repo. The company then sold the car without allowing me to get my car back less than the amount of the remaining on the car. It was XXXX brand new purchased by me in XXXX. XXXX XXXX then decided to come after me for the {$7700.00}. I wrote them and I was asked to settle for {$990.00} enclosed is their letter. The bill of {$7700.00} was not mine. It belongs to someone else. Equifax and TransUnion have deleted the information on my report but Experian still keeping it. 

XXXX XXXX ACCOUNT XXXX I left the apartment early than what XXXX XXXX statement specified. My rent is paid. Unknown bill in the XXXX XXXX XXXX statement. 

Collections and the other creditors proximate actions have caused me the following : Credit damage ; a lifetime of credit rejections ; inability to enjoy life such as buying a house ; emotional, financial and psychological pains. 

This is an attempt to correct my credit reports with the three credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD   XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX
The loan was in review for a modification with Wells Fargo / ASC. On XXXX XXXX, XXXX, a letter was sent to me from XXXX stating that my trial modification was approved and that I needed to make XXXX payments to solidify the modification. This letter is attached. Wells Fargo called me on XXXX XXXX, XXXX and stated that I had missed the first payment, but that they would continue the review if I wired the funds immediately to them. On their direction, I did so. The wire is attached. I called Wells Fargo back on XXXX XXXX, XXXX, and told them I was able to wire more funds to make the XXXX and XXXX payments in advance. They directed me on how and where to send the wires. That wire receipt is attached. On XXXX XXXX, XXXX, Wells Fargo called me and stated that I had not made my XXXX XXXX payment. I was confused, as I had made a payment on XXXX, but they told me to make another payment, and by their instructions, I did so, on XXXX/XXXX/XXXX. That wire is attached. I heard nothing about the loan mod until I received a notice of intent to foreclose on my house. I hired an attorney who spoke with XXXX XXXX at Wells Fargo and an escalations team member named XXXX. The attorney contacted Wells Fargo on XXXX XXXX, XXXX, but the file was not assigned to XXXX until XXXX XXXX, XXXX - ten days later, 3 days before the foreclosure sale. XXXX called the attorney on XXXX XXXX, XXXX, stating that though ASC confirms that my loan was in active review for a loan modification during the time of XXXX XXXX, XXXX, ASC denies sending me the attached letter. The letter has my full legal name, mailing address, Wells Fargo account number, and monthly payment information - items that only ASC would know. The letter is written on ASC letterhead with a barcode for filing purposes on the side of the letter. XXXX stated that Wells Fargo denies receiving the payments I sent them. They say that they removed my file from the modification program the same day they called to tell me to wire them more money on XXXX XXXX, and a month before they called me in XXXX to have me wire even more money. They say they are going to take my home tomorrow, though I did everything they told me to do. XXXX told me to call the police. I am concerned given the detail of the letter that if ASC did not send it, that they have a extensive privacy breach with regard to my file. If Wells Fargo did not call me to make payments, then someone inside their company is scamming money from their borrowers, as when I call the number back, I speak to representatives at Wells Fargo. I would like Wells Fargo to give me a chance to keep my home.
This company : PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Is reporting a collection that states it was opened 4 months ago : Opened XX/XX/XXXX ( 4 mos ) - {$2000.00} I did not open any accounts on this date. It appears that bought a XXXX debt from XX/XX/XXXX that has been resolved and removed from my credit report. It is back and they are trying to re-open the file with a new date to re-start the statue of limitations and collect again. 

XXXX Reported on XX/XX/XXXX - {$2000.00} This collection is fabricated and needs to be removed from my credit report ASAP.
I would like to bring attention to the illegal activity that LTD Financial Services is doing. I had spoken with rep XX/XX/XXXX about a settlement. She was very extremely rude. I wanted to know why my parents had been called, especially since I have not spoken with them in over 8 years. I asked what skip tracing tool was used to locate this information. She refused to tell me so I could give follow up with my concern with the skip tracing company. Either way I requested that all number but my number XXXX be removed. Then I offered a settle on the account to close it out at that time of {$200.00} right then over the phone. This card was impossible to make payments on. I could never log on online and I could never reach anyone over the phone to make a payment. I also never got any statements from them. If I was able to make any payments on this I would have. It was n't possible. It is n't like I did n't try. I left {$200.00} was a good amount and a fair amount due to the trouble. When she refused the settlement I asked for a cease and desist on the account. I also wanted a fax number to fax in a cease and desist. On XX/XX/XXXX I faxed in a Cease and Desist to XXXX with my account number on it of XXXX. A week later a received a letter in the mail from LTD for a settlement amount. I had also continued to receive several from that point on. Today XXXX/XXXX/2016 I finally answered when LTD called from XXXX. I spoke with XXXX XXXX ext XXXX. I advised him that I was under a cease and desist. He claimed LTD never received anything. I once again advised I wanted a cease and desist on the account and he stated he put it in for me and also gave me the same fax number as before. I will be faxing another cease and desist over again tomorrow. I also asked if they still would decline the settlement offer that I offered and he asked how much. I said {$200.00} today to close it out. He basically just laughed at me. Not very professional, but I understand the type of industry, it 's rough. Either way concern is that this company is illegally contacting people when they have cease and desists on account. They need to be held responsible for their actions.