WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I had a joint checking account with Chase Bank for over 20 years. 
The account was opened while we lived in the XXXX area. After moving to XXXX XXXX XXXX years ago, we opened new bank accounts with a local bank because Chase did not have branches in XXXX XXXX. We had an automatic monthly life insurance premium deducted from the Chase account and automatic monthly deposits for my husband 's small pensions. We accessed this account infrequently because there was no need to. It was simply easier to leave this account in place than close it and change the automatic deduction/deposits. 

In early XX/XX/XXXX my husband noticed that XXXX separate withdrawals had occurred, XX/XX/XXXX in the amount of {$790.00} and XX/XX/XXXX in the amount of {$1500.00}, neither of which we authorized. My husband contacted Chase to report the theft and was told someone would look into it, and in the meantime, a temporary credit would be issued. A few days later in XX/XX/XXXX while talking again with Chase, my husband was told two additional withdrawals had occurred, {$1.00} on XX/XX/XXXX and {$1500.00} on XX/XX/XXXX. My husband had been told by Chase that amounts taken fraudulently and reported within 60 days would be reimbursed. 

While reviewing our Chase account yesterday, we noticed that {$1.00}, {$790.00}, and {$1500.00} had been reimbursed in our account, but the {$1500.00} taken in XX/XX/XXXX had not. The theft of {$1500.00} had been reported on XX/XX/XXXX, 52 days after it had occurred, within the 60 day window. 

I called Chase XX/XX/XXXX to ask about the un-reimbursed {$1500.00} and, incredibly, was told the 60 day window started with the first theft that occurred in XX/XX/XXXX. That the thief was clever enough to withdraw the unnoticeable amount of {$1.00} and wait another three months before withdrawing fraudulently again, it was, according to Chase, our misfortune that the 60 day window had passed. 

We depend on our bank to safeguard our assets and not simply give our money to anyone who asks. We also expect our bank to reimburse for fraudulent activity when reported promptly. Chase 's 60-day window that starts with the first occurrence is arbitrary and harmful to it's customers. My husband was told that after an incidence of fraud is reported, the bank will neither investigate further fraudulent activity nor reimburse the loss ( es ) resulting from fraud. In other words, a thief who repeatedly accesses an account will simply be allowed to do so at a Chase bank. 

In our case, we were victims twice - the first by the unknown person who accessed our account, and by Chase, who has refused to reimburse us for the {$1500.00} loss.
First Data is reporting derogatory and inaccurate information on my XXXX Credit Report. This credit item was listed on my Chapter XXXX Bankruptcy filing and discharged dated XX/XX/2013. Please see attached filing.
XXXX XXXX Portfolio Recovery ... they call my work number almost every day ... this has to stop
After I submitted a complaint on XX/XX/2017 ( complaint # XXXX XXXX, Nationstar Mortgage said : Put my trustee sale " on hold ''. In fact, the trustee sale scheduled for XX/XX/2017. This is not on hold. It is on schedule. When your property is on auction, the public bombaded you by mail, by phone and by physical ( pound the door ). On XX/XX/2017, I sent a request to Nationstar to remove the sale from their calendar, I do not receive any response. This is a double cross ( Dual tracking ). Thank you.
I was laid off XX/XX/XXXX. We contacted our mortgage lender, JP Morgan Chase, and were granted a 12-month unemployment forbearance XX/XX/XXXX. XX/XX/XXXX ( two months later ), we called Chase to let them know I was working again and submitted our paperwork to re-start normal payments on our mortgage. XX/XX/XXXX, Chase contacted us and asked for a forbearance payment. We explained that I was working now and that our Customer Assistance Specialist had informed us that our unemployment forbearance had been canceled. Chase insisted that we make a payment anyway, which we did. Chase called again in XX/XX/XXXX and insisted on another forbearance payment. These funds ( over XXXX dollars ) went into an " Unapplied Funds '' account which did not count towards our mortgage payment, and that money was not returned to us. XX/XX/XXXX, Chase contacted us and told us that our account was marked delinquent since XX/XX/XXXX and asked what our intentions were. I told them the paperwork was in their hands and offered to make our normal mortgage payment right then so we would n't get further behind while waiting for them to process our paperwork. Their response was that they could NOT accept any payments on the account unless we first paid the entire past-due balance! This was ( at the time ) XXXX months of payments plus late fees, totaling almost XXXX dollars! I explained that I was newly-employed and did n't have XXXX extra dollars to give them, but would happily make a normal payment. Again, they said that any payment made would simply go into the " Unapplied Funds '' account and would not count towards our mortgage. Each month since then, they have contacted us or we have contacted them, with the same result ( except the past-due amount has increased ). XX/XX/XXXX, I finally received Chase 's determination. They said we were ineligible for any assistance and suggested we short sell the home we have lived in for 14 years. We told them that was an unacceptable option, as we have approx. {$40000.00} in equity. Although we filed a Dispute of their determination, they informed us in XX/XX/XXXX of their intent to foreclose. So, as it now stands, our mortgage holder, JP Morgan Chase, will not accept mortgage payments from us while, at the same time, they continue to list us as delinquent and are adding late fees and payments to our past-due balance each month, and are now starting the foreclosure process! We feel like Chase is trying to rob us of the equity in our home, as well as committing fraud by ( 1 ) listing us as delinquent while refusing to accept any payments from us and ( 2 ) requiring payments from us and then not applying them to our mortgage or returning the money to us. Help!
M & T Bank refuses to call me back regarding my request to modify my home mortgage and remove PMI. I 've followed their requests to pay for an appraisal of their choosing, and when the appraisal was completed I received an autonomous letter signed " Sincerely, Insurance Servicing ''. When I call the only number provided, there is no choice for the topic of my inquiry, and I have had to spend excessive time navigating the automated system that has no mechanism to direct me to a human M & T representative. When I go thru an option that is not why I 'm calling, I finally speak to a customer service rep who is not even allowed to provide me their complete name. They have no authority, they just put me on hold and eventually I speak to a person who just reads me back verbatim what is contained in the autonomous letters signed XXXX XXXX. When I ask to speak to someone in XXXX XXXX, I 've been told it 's not a department. I 've never felt less regarded for my business and my existence as a fellow human being. I 've been waiting two weeks now for someone with direct knowledge of the letter 's I 've received to call me back and discuss my account. M & T has no regard for me as a customer, and I would never recommend doing business with this bank.
My wife, XXXX XXXX owns an IRA account at Capital one 360 which is an internetbank, formerly Named ING Direct. As a result of illness she has become XXXX andI have obtained her Durable power of attorney. As she has not taken her requireddispersment of funds for 2015 as required by the IRS, I contacted Capital one 360and attempted to do so. I was instructed to submit her Power of attorney by fax andI did so on XXXX/XXXX/2015 Sending it to their operations department as instructed. They Informed me that I should call back in five days for the power of attorney to be processed. 
When I called on XXXX 2015. I could not get any Information from them. Not even thatthe power of attorney had been received. I talked to an agent and later to his supervisor. 
the only thing I could get from them was that they wanted me to send them a notarizedform stating that I would not pursue any form of redress against them. Which makes methink that they are acting illegally. 
My wife 's customer number is XXXX. Her IRA account number is XXXX. Heraccount balance is in excess of {$17000.00}
I reported a fraudulent charges of {$59.00} on my Macy 's Express Card, because on XXXX XXXX, Citicard contacted me to validate whether they were valid or not valid charges as they were monitoring my account. " For your account security, the Credit Services Fraud Department would like to verify recent activity on your Macy 's account. '' I confirmed that they were not valid charges. You see they were originated in XXXX ( at a gas station ) and I was in XXXX. Once Macy 's sent the fraud paperwork, I returned it in XXXX with a Police report # XXXX, filed on XXXX XXXX, 2016. My complaint is that they deny that they have received the documentation, therefore it would be difficult for them to keep their commitment of resolving disputed charges in 1 to 2 billing cycles. As I am now at at the third billing cycle since the fraud charges occurred. However, because of this, I have chosen to may the balance on the account and close it, and want the amount refunded as they are not my charges of {$59.00}.
Collection agencies ( XXXX XXXX XXXX XXXX ) have added a collection to all XXXX credit bureaus and I do not owe the original creditor who is XXXX XXXX.
My insurance paid the balance many years ago and now I have had two separate collection agencies trying to collect a balance of {$940.00} that they claim I owe. I do not owe this amount and I have the proof.
I requested proof from both collection agencies and this is what I received from both of them.
XXXX, Experian and XXXX only reduce the debt owed to a XXXX balance but leave the collection on my credit.
I want it completely removed. I do not want the next collection agency who receives this to be able to add it as a valid debt. I owe a XXXX balance and their own evidence proves it.
I submitted a credit card application for a line of credit with Citi. Application # XXXX. I received a 'Decline of application ' notice dated XX/XX/XXXX.

I understand they have a right to refuse service and grant credit at their discretion. I have reason to believe their decision is discriminatory based on the fact that I had a mortgage contract where they aggressively foreclosed in XX/XX/XXXX. The impact of their explanation and the declination is more of a rejection rather than considering and objectively evaluating my current credit worthiness. I have a revolving gas card in good standing for 20 years+, that is a subsidiary with Citi , XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. I 've tried to call the ph. # XXXX to inquire of their decision and they have no option for a live person conversation. I expected at least the courtesy to find out what is lacking, as they express desire " to be clear and helpful in explaining this decision ''. Not so. 
For these stated reasons I make a formal complaint to Citi and the staff.
Transunion has not updated the XXXX XXXX tradeline. XXXX XXXX has agreed to remove the late payment as of XXXX/XXXX/2017. The tradeline has not been updated by transuion in over a month. The balance need to be updated and the late payment needs to be removed as well. I have attached the correspondence from XXXX XXXX
When I tried online to make payment of my mortgage for the month of XX/XX/XXXX, it has come to our notice that my XX/XX/XXXX is not being accepted due to nonpayment of XX/XX/XXXX mortgage. It has come as a surprise to me because the payment of XX/XX/XXXX has already been paid and withdrawn from the account as per bank statement for the month of XX/XX/XXXX is attached. Moreover, an email was received as confirmation of payment from the website of Ditech.com under confirmation # XXXX. It was more surprising when the representative of Ditech also demanded the bank statement for the month of XX/XX/XXXX saying that the payment was also missing for XX/XX/XXXX, when I was talking over the phone on XX/XX/XXXX at approximately XXXX XXXX. 

I am attaching the copies of my bank statement for the month of XX/XX/XXXX, XX/XX/XXXX and the copy of the confirmation email received from the Ditech. Com with details. This is not the first time that the Ditech Financial LLC has troubled us in the matter of mortgage payment and for your kind information that in XX/XX/XXXX the company had created the same issue and after a long time it was accepted in our favor. 

I would appreciate if CFPB takes necessary action to resolve the issue.
In XX/XX/XXXX we had tried to sell our house on our own but it was not worth what we owed. We have a first mortgage through M & T Bank and a XXXX with XXXX. SO we hired an agent and began trying to short sale our home. M & T said we were not past due so they could n't help us until we were. They made us go through a long XXXX month process to try and do a loan modification prior to allowing us to short sale. We needed to relocate due to how far our work is so we did not want a loan modification, we wanted to sell and relocate. So after about XXXX months it got to the next stage of moving to Short Sale. They APPROVED it to go to short sale. After doing everything they advised they finally APPROVED the short sale in XXXX. So we have been negotiating with the XXXX mortgage to move to close. It is now XX/XX/XXXX XXXX XXXX year later XXXX and the negotiator on the file, XXXX, tells us that he reviewed the numbers and they are getting paid off so we DO NOT qualify for a short sale. After 1 year of ruining our credit and doing what they advise and them APPROVING us for short sale etc.. XX/XX/XXXX they advised us we do n't qualify now and they send us a letter stating if we do n't respond by XX/XX/XXXX they will move to foreclose. So they tell us XX/XX/XXXX & only give us a few days to respond and we just got the letter XX/XX/XXXX. So we have XXXX day to respond or they foreclose. After all the XXXX they put us through and they dropped the ball. We could have been negotiating with the XXXX mortgage only and not ruined our credit if they had done their job. How did they not realize this when we started? before we went past due, before doing the loan modification and getting approved for a short sale. They have totally wasted our time and now they move to foreclose? This is horrible business practice!
Due to the breaches from each of the credit agencies. This is the 2nd time my information was able to be used by someone to obtain goods and services in my name. I sent each of the credit bureaus my identity theft report, my copies of my driver license, my last check stub, and a request to have this fraudulent information removed from my report. Each has asked me to allow 30 days or more to have the information reviewed. In the meantime I am unable to obtain credit due them not taking the necessary steps to protect my credit file within their system. According to the fair credit reporting section 605B, they had 4 business days to remove or block this information from my file and they have failed to do so.
I keep getting debt collection papers in the mail from Credence Resource Management. Credence Resource Management says they are trying to collect a debit for XXXX XXXX XXXX XXXX. I have never been a customer of XXXX XXXX XXXX XXXX period. Letter says that we owe XXXX but will settle for XXXX. This is not my debt.
I am reaching out for your assistance because I am never able to get any help by telephone or within the branches. Recently my account was overdrawn just under {$5.00} and I deposited money to bring to correct the matter. Days later my account was over-drafted for transactions that should have already been deducted from my available amount within my checking account. Because of this my account is now over {$150.00} overdrawn including numerous fees. I have contacted customer service who refused to assist with waiving some of the fees if I was able to deposited money. They directed me to a payment assistance group who also refused to help. They informed me that I will receive additional overdraft fees this Friday as well. This is not the norm for my account to be overdrawn and when I do contact your company for help I am always met with refusal. I chose your bank because I felt you were different then other banks out there but you are actually worse because those other banks actually do attempt to work with or help their customer to show they do value them. This is not the only incident with your company. Back in XX/XX/XXXX of this year my tax returns were deposited and I went to the branch located within XXXX on XXXX XXXX XXXX and XXXX XXXX in XXXX, Oregon to withdrawal {$3000.00}. When these funds were attempted to be deposited at XXXX XXXX XXXX within my wife 's account she was told one of the {$100.00} bills was counterfeit. XXXX XXXX XXXX stated they could not give it back to her and they had to report it. When I contacted that branch about the matter they refused to help saying " Their bankers are trained to catch counterfeit bills. '' The banker that assisted me with the withdrawal was new because her manager had to sign off on the transaction. The manager did not check the cash and the banker did not mark them or check to confirm there were no counterfeit bills. Just because someone is trained to something does not mean you are going to be accurate all the time. We are humans and we make mistakes. I did not make a complaint at that time because I was already met with refusal of help and I had received that same reaction before. If you need to reach out to XXXX XXXX XXXX to confirm this you can contact XXXX XXXX at XXXX or XXXX. My wife 's name is XXXX XXXX and the attempted deposit was made on X/XX/17.
There is a double payment to my XXXX from XXXX XXXX and American Express. I have filed a dispute with AMEX fort {$18000.00} and asked that the double payment be reversed. I have provided documentation showing the payment from XXXX XXXX. I filed this dispute on or about XXXX XXXX, 2017.  Thus far AMEX has done nothing to reverse the charge.
I sent a letter to XXXX XXXX XXXX requesting that they validate Not verify a debt that they are reporting to the three credit bureaus. I specifically asked for a signed agreement and other supporting documentation. They provided me with no documentation to prove that I am obligated to pay them anything only a ledger. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
I filed for bankruptcy in XX/XX/XXXX. My home mortgage prior to the filing was serviced with America 's Servicing Company ( a subsidiary of Wells Fargo ). Shortly after I filed bankruptcy, America 's Servicing Company sold my mortgage to Wells Fargo. On XX/XX/XXXX A Notice of Electronic Filing of my reaffirmation agreement with Wells Fargo ( my home mortgage ) was filed through the bankruptcy court. My bankruptcy was discharged in XX/XX/XXXX. Shortly after the discharge, Wells Fargo submitted paperwork to me explaining the transferring of the account. Since Wells Fargo acquired my home loan, no payment history has been reported to ANY of the three credit bureaus. According to a letter from Wells Fargo, my home loan is being treated as reaffirmed and my payment history is being submitted to all three credit bureaus. This is not the case. In XX/XX/XXXX, I disputed my XXXX credit report. Wells Fargo updated the account. XXXX  attached a statement stating the MY statement to include Account Closed by Consumers request. This is an inaccurate statement and I have once again disputed this information and uploaded supporting documents to my XXXX  account. I have included my payment history that I requested from Wells Fargo establishing that my account is current and has never been late. I am unsure as to WHOM owns my mortgage and to WHOM I am actually making payments to if XXXX  is claiming my home mortgage is discharged through Bankruptcy. I had three other loans I reaffirmed, all three are being reported to the credit bureaus correctly. I am only having issues with my Wells Fargo account.
XXXX XXXX XXXX is collecting for CashCall. They called and threatened lawsuits when the bill is past the statute of limitations. The bill went delinquent in XXXX due to expenses from the death of my husband and they are reporting it as opening in XXXX. They have re-aged the account to try to keep it active.
I started receiving calls and voicemails stating the call is regarding a notice to appear in court that will be processed. The voicemail states I am facing allegations regarding my social security number ( Party provided the last XXXX of my social on my voicemail ) in connection with a check, misrepresentation for income assistance. The party states this is the final attempt and is asking me to call for a phone deposition to file for dismal, because the accusing party and their representatives are moving forward to have me severed for legal action. Once I receive an order to appear, I will not be able to dispute the consequence rendered because they can prove I disregarded the matter. 
I currently work for a collection agency in XXXX, Texas. I temporarily retained my company 's general counsel, to contact the company leaving me voicemails. The representative with this company, XXXX XXXX, refused to confirm the name of their company. My voicemail states XXXX XXXX, the representatives provided the name XXXX XXXX and when I called back I was given XXXX XXXX XXXX as their name. After being hung up on multiple times, we spoke with XXXX XXXX 's " supervisor '' XXXX XXXX. XXXX XXXX refused to provide the companies address and eventually stated their company no longer wishes to do business with me and will not speak with me any further. 
Prior to involving my general counsel, I called the company on my own and was informed the debt is for XXXX and is now with United Debt Holdings. I asked the representative, XXXX XXXX, if they were a collection agency, as I was not provided the Mini Miranda and was told they were retained by United Debt Holdings. During the call, I asked if the representative if his company or United Debt Holdings purchased my debt and the party refused to answer my question. 
I attempted to contact United Debt Holdings to verify they in fact are now handling my alleged debt and outsourced my account to another company. I have not been able to reach anyone with this company phone and their recordings prompts me to leave a voicemail including my name and social security number, which I do not wish to do.
Account Resolution Services has XXXX medical accounts in collection that are reporting on my credit report. I do not believe that these account are mine and requested validation of these all XXXX medical bills. Account Resolution Services has failed to provide me proof that these medical bills are mine. I want to see my signature that I was at a hospital and I want to see where I signed a HIPPA agreement. 

Thank you