WillisBack/dataset-financial-user-claim huggingface dataset:
Chase is preventing us from getting into our accounts online and not updating information in the accounts in a timely manner. When we travel, we use a different IP address to log into our accounts. Chase has taken it upon itself, without asking as other banks do, whether we want it to " recognize '' the computer/IP address we are using. It then locked us out when we logged in from another IP address. Recently, we were locked out of our accounts for 2.5 - 3 weeks because of this harassment. To add insult to injury, when we went into a local office of XXXX in XXXX, NJ, it demanded a new email address because its marketing junk email was bouncing. The guy deleted the old email that had been in the system for years and demanded another one. When he was told that we do n't use email, will not create an email account for Chase 's convenience, he said he would not restore the original email address that he had deleted without permission, then refused to restore. This obnoxious behavior typifies Chase 's actions : everything is for its convenience while it continues to deny clients easy access to their money and financial services it advertises and purports to provide. 
Similarly, last night or the night before I checked our accounts online. Nothing had been updated since before the XXXX XXXX weekend. Then this morning, a bunch of checks and payments showed up, bringing the balance very low. Had it updated the online information in a timely fashion, we could have easily transferred money into the account before this weekend. As it is, we will need to stagger a credit card payment because Chase withheld critical account information from us. This has all occurred while Chase owes us roughly {$130.00} for a credit on their credit card that has been on there for roughly 2 months. it is clear that first it denies us access to our money and bill payment services ; then it withholds account activity information ; followed by a bunch of checks it had been holding, hoping to overdraw the account. This kind of petty harassment and capricious cessation of normal operations needs to be sanctioned effectively and sufficiently to deter it. No bank should be allowed to offer services such as online access and bill payment services, then capriciously withhold them without warning, while trying to collect fees, should the account be overdrawn.
To whom it may concern : I have a complaint against Rushmore Loan Management Services. I tried to modify our mortgage with them and they refused and started bankruptcy proceedings. In order to stop the foreclosure I had to file for bankruptcy on XXXX XXXX, XXXX. Rushmore filed a proof of claim with inflated charges and through my bankruptcy attorney I objected to their inflated charges. We reach an agreement XX/XX/XXXX and it was court ordered for them to adjust the charges that they had originally filed. A second RESPA letter was sent to them XX/XX/XXXX requesting that they follow the court order and fix the charges that were on my mortgage statement. Rushmore responded to that letter and did not correct the mortgage statement as they said they would in their letter. Rushmore continues to charge bogus charges to my mortgage statement every month see attached statement the charges are listed under property preservation, corporate advances, and attorney fees. 

I would like to file a claim against Rushmore Loan Management Services for incorrect charges on my mortgage. I have attached files to support my complaint. 

Thank you XXXX XXXX
CFPB closed my previous complaint on XXXX for whatever reason and then the same company, FINEX Group XXXX XXXX XXXX XXXX XXXX XXXX called again saying I owed a debt? I NEVER received anything in writing from anyone for a debt. I have NO Debt, No mortgage, No Car, No credit card, etc. Their Web site says their address is Permanently Closed. Please put these scammers in jail.
I have previously attempted to lower the payments to Navient and they will not allow it. I have been making payments but not the amount they are requiring. I applied for the loans, my daughter is the one that attend school. I'm receiving phone calls at my work number from phone # XXXX.
After paying my loan for many years I became XXXX. Navient contacted me informing me that my payment has now almost doubled. I explained to Navient that the amount is too high and I am not able to work more to gain extra income to no avail. I offered medical documentation to no avail. I am now behind in my loan and Navient is destroying my credit rating making my life even harder.
My contract with XXXX was completed and I did not want to renew my service with them because of the rate increase. I sent the equipment back. Later I was charge {$250.00}. because I did not renew with them, I spoke with this company on numerous occasions to have this error corrected, but was not able to get this resolved. I filed a complaint with FTC about this issue and the numerous different collection agencies that keep reporting it to the credit reporting agencies. It will be removed when I file the compliant then another debt collection agency will file in the credit system. This is an on going cycle and I am requesting to have debt error removed permanently from my credit. As a responsible consumer I feel this a bulling tactic from this organization ( XXXX XXXX XXXX ) when they can not get their way.
I was alerted from Experian that a new inquiry was placed on my credit from XXXX yesterday XX/XX/18. I didn't even authorize it this so I called XXXX XXXX spoke to XXXX and explained what happened then she transferred me to fraud, and I spoke to XXXX who saw the attempt to open a card in my name and it was declined and he didn't know why an inquiry was done.
I have sent numerous requests to experian to provide proof of verification of     XXXX   XXXX   XXXX   XXXX   XXXX    account that is being reported on my credit. Under the FCRA  Act,  the bureau 's are responsible for keeping this documentation on file. Under the FCRA, experian has to verify the account with the original documentation in order to comply with the " right to report '' and FCRA laws. If the original documentation is not provided, the company must delete the account. Under the FCRA, Experian must provide a copy of the verifiable original creditor documentation if it is requested properly by the cosumer. Since Experian can not provide proof of verification to me in the form of a physical contract document per this request and the handwritten request that is uploaded to this file, the account is classified as " unverified '' and under the FCRA, all unverified accounts must be deleted. I would also like to note that experian comes back with they have " verified '' the debt but never provided written proof. If they never received written proof, then the numerous times they have come back with a supposed " verification '' is a complete lie and breaking the law.  Either  show me documentation in its original form for the     XXXX   XXXX   XXXX   XXXX   XXXX    account or remove it from my credit report. I have also uploaded my driver 's licnese and paystub with the last  XXXX  of my socail that matches my credit report,  XXXX .
Some time ago ( several months, I believe ) I began having daily phone calls on my cell phone. I did not recognize the phone number and therefore I did not answer, assuming it was robocalls/scam ( My # is on the Do Not Call list, but I often receive the calls and no longer answer. ) Finally, after months of daily calls, they left a voicemail claiming that they were with " Wakefield and Associates, attempting to collect a debt ''. I have excellent credit, I have nothing in collections and I do not even have a single late bill, so I knew this debt they were referring to was not mine. I am on a fixed income and my cell phone plan is very basic, with limited minutes and so I immediately wrote them a letter explaining all of this. I also told them not to call my phone anymore and I gave them my correct mailing address and said that if they insisted the debt was mine, to send the amount, original creditor and the date of service to my mailing address, but NOT to try to contact me by phone again. The letter was mailed XXXX17. I continued to receive phone calls every day, except on weekends. I have not received anything in the mail from them. I started keeping a log after I felt they had time to receive my letter. They have called : X/X/17, X/X/17, X/X/17, X/XX/17, X/XX/17. I realize it may take more time to receive a reply from them by mail, but they have had the letter long enough to stop calling my phone!
Apparently one of my girlfriend 's credit cards ( XXXX XXXX ) was added to my list of credit cards, though I do not have the card, I am not an authorized user, nor do I have any type of access to this account. The account has had XXXX late payments, which are showing up on my credit report and damaging my score. The account shows as open, but with XXXX balance and it states that the last time it reported was on XXXX XXXX, 2014. On the credit report, it also states my responsibility for the account is " Terminated ''.
I have a loan with BMW FIN SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and BMW FIN SVC with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/2018.
I reported multiples fraudulent transactions on time as soon as I realise, Well Fargo is denying the claim because my pin number was used. I dont make purchases with PIN numbers, I dont use the PIN I prefer to be signed the slip. On top of that, I dont understand how the transaction was made out of the USA and I did not receive any fraud prevention calls, and now they dont want to fix this. I havent been able to pay my medical expenses because of this, please not that Im a very sick person if I have to go to any emergency room and I dont have the funds in my account I will hold Wells Fargos Responsible for this.
claim number  XXXX
On XX/XX/XXXX I called the debt collector as I have done several times before in the past since XXXX. This account is not associated with me. This is on my credit report and making it impossible for me to do what I need credit wise because of this account is reporting incorrectly. This is not my account. I have made a ftc report and faxed into the company they disregarded the police report which is against the law.I have reached out to the bureau about this issue and nothing has been done.
I have paid off my XXXX balance. 
However, it is showing on my credit report as late. I can verify with bank statements that balance is paid off at fall 2015.
Wells Fargo holds my mortgage on my home. They recently did an escrow analysis in XX/XX/XXXX for period XX/XX/XXXX thru XX/XX/XXXX and notified me on XXXX the XXXX that due to an increase in insurance and tax payments, that my escrow amount needed to increase and this would be effective XX/XX/XXXX. On XX/XX/XXXX I received ANOTHER notification of another escrow analysis and for some reason Wells Fargo made this for period XX/XX/XXXX thru XX/XX/XXXX and notified me my escrow increase was now effective XXXX XXXX - NINE DAYS EARLIER THAN THE NOTIFICATION!! I was given NO NOTICE for this increase - in fact the statement they sent me was dated XX/XX/XXXX - the day AFTER the increase was EFFECTIVE. are n't I entitled to REASONABLE NOTIFICATION FOR ANY ESCROW INCREASE???? THEY DO N'T SEEM TO THINK SO
On XXXX XXXX, XXXX, I disputed inquiries from XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX, which were added to my Equifax report on XXXX XXXX, XXXX & XXXX XXXX, XXXX. This is due to fraud because I did not apply to any of the cable companies in XX/XX/XXXX. However, Equifax insist that the inquiries are factual, which is false. For instance, XXXX is no longer listed as active. I googled the company, & the company seems to be out of business. Also, I tried to contact the other inquiries, & they are hard to get in touch with too. Plus, Equifax finished the investigation the same day I disputed the inquiries, which means they did not investigate the inquiries. If I had difficulties contacting the inquiries, & still have not received a response from any of them, then that means, Equifax gave me a false report because they did not verify the information. They are required to remove ( or block ) any unverifiable & inaccurate information from a consumer 's report, especially fraudulent information.
Hi, On XX/XX/2018 a {$25000.00} wire was sent to Coinbase.com. The wire was rejected due to the account using my middle name, which i go by, instead of my legal first name. The wire was supposed to be reversed and received by my bank within 7 business days ( which already is a ridiculous wait period ). It has been over 7 business days already and we still have not seen anything or received any correspondence from the company.

I can provide detailed information on the wire sent to coinbase.

Amount : {$25000.00} Date : XXXX/XXXX/18
I had an account with coinbase to purchase and store crypto currency. On XXXX XXXX I had reason to believe my account had been compromised and immediately closed my account. Upon doing so I was prompted automatically to empty my digital wallets and transfer any balance to external wallets. However, i had vault withdrawal ( a multi-sig delayed transaction Wallet, used for extra security, withdrawals take 48 hours to complete ) of XXXX bitcoin in process which I had forgotten about. I was NOT prompted to transfer this or reminded in any way. As soon as I realised I tried time and time again to contact coinbase to no avail. Finally I managed to get through to them on XXXX XXXX where the operator said he couldnt see the transaction and we then got cut off. I forwarded the withdrawel confirmation email and requested they call me back but they did not. I then managed to eventually get through to them again on XXXX XXXX and this time they confirmed the transfer had gone through and they could see the funds in my old wallet. The operator said he couldnt transfer them manually and a specialist would have to do it, but this would take a few weeks. I had no option but to agree obviously. A few hours later however, I received an email from coinbase stating that as I had closed the account, my funds were now forfeited to coinbase!!! I checked their terms and user agreement and there is no mention of this. They had already confirmed that a ) they can see the funds and b ) they are able to manually transfer the funds. So there is absolutely no justification for them to retain my funds at all, i committed no wrongdoing or breach of our terms. I closed my account ( and opened a new one ) due to security concerns. This is literally robbery!
I sent two dispute letters to have these accounts validated because they were reporting incorrect information and both times the agency stated that they verified the information and I know for a fact that these items should not still be on my credit report. The credit bureau is not validating the information as stated. The company is changing dates to more recent dates and stating that I made payments when I have had no contact with them for years.
I have asked Pinnacle Credit to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
The banking professionals treated with disdain on account of my ethnicity at the Chase Branch office at XXXX XXXX XXXX XXXX in XXXX, Washington back on XXXX XXXX, XXXX. Only three customers, including myself, waited for customer service ; however, the two XXXX received immediate attention from the banking staff who had otherwise ignored me. The bank teller, a XXXX woman, pretended she could not hear any communication as a ruse to deflect from the fact she did not want to provide customer service. She later deferred to an XXXX woman who provided no assistance either. 

When asked to speak with the lead teller or the branch manager, both of them stated no one was available because there was a 20-25 minute waiting period. Given there were only three customers in an otherwise empty bank, this disingenuous statement was very incredulous. The XXXX woman coolly stated there were other nearby branches in the area with no wait times. I challenged this by first asking, " Why are you sending me to another branch when its obvious the bank is not busy. '' and then following up, " Are you refusing service because you do not want to provide assistance? ". Then she replied the branch manager was too busy to help with customers and insisted that another branch would best provide assistance. Obviously no one at that Chase branch desired providing customer service to any XXXX person because they quickly send away people to other branches whom they perceive as undesirable. 

The situation turned from bad to worse after forwarding the complaint to the Chase Executive Offices. One of the workers in the executive offices, XXXX, neither wanted to forward nor process the initial complaint because of objections from both the XXXX XXXX branch manager and marketing director. 

XXXX initially tried finding fault with the information in the complaint as a means of dismissing it, and later attempted to shift the blame onto me for making one. He claimed the information provided was irrelevant and even justified the dismissive behavior of the bank tellers and branch manager. Once I stated the intention of no longer banking with XXXX, XXXX insinuated that I was dropping the complaint. After stating there was no intention of doing such, he became very hostile by constantly interrupting me every time I provided details of the encounter. Finally, I stated the branch manager and the marketing director do not want to be called out for their intolerant attitudes towards XXXX customers because it would affect the image of the bank in a wealthy suburban area of XXXX. XXXX became very hostile claiming I did not know anything about how the banking representative operated invalidating all the provided information. 

I cut my losses with Chase bank after receiving disrespectful treatment from the personnel at its XXXX XXXX branch and XXXX within its executive offices. Customer service remains the hallmark of banking relationships. Evidently, XXXX banking representatives have forgotten that very important value because money is only important. I gladly took my business to another financial institution which treats all of its customers with respect regardless of their ethnicity.
I have used credit cards for years. I have had no problems paying my bills. However, whenever I have had dealings with Synchrony Bank, they fail to notify me of my payments. They charge me late fees. Not only have they done this to me once but several times. I contacted the company in  XXXX   2017  about this and they told me about a glitch in their computer. They did it again several other times and I had to call them. We checked all my information and it was all correct and they still failed to send me notifications. I had to look on my accounts trying to figure out what my payments were and noticed they were charging me late fees and the bill was due  XXXX   XXXX   2017 . I paid my bill on  XXXX   XXXX   2017 . I called them again about the bad practice and not notifying me. I immediately paid the bills, and cancelled my cards. To add insult, I get a noticed on  XXXX   XXXX     2017  telling me they are reporting me to the credit bureau and charged me {$25.00} and that was going to accumulate interest until I paid the remainder. For 30 years of having above stellar credit rating, and paying my bills on time. Synchrony Bank has been the worst company I have ever dealt with and I have never complained about any other company before. This truly ridiculous how they treat consumers
I recently moved from XXXX to XXXX. I attempted to open a checking account at XXXX XXXX and was told Experian had a fraud alert on my credit report. In addition to my SSN they have my late mother 's SSN ( same name as mine ) and have listed me as deceased. I 've written to Experian and have received no reply.
On my Equifax credit report it is showing two collection accounts. I have made them aware on two different occasions that the contract was cancelled for these two collection accounts. They state that the accounts belong to me, but when asked they were not able to produce a contract that shows I 'm responsible for those payments.
I noticed last year in pulling my credit reports for annual check an account listed as " collections '' and " Opened '' on XX/XX/XXXX by a collection company by name of Ad Astra Recovery System collecting for XXXX XXXX XXXX. It was later XX/XX/XXXXthat I started to receive numerous phone calls. I had googled the company and found a lot a people have had complaints against the company in trying to collect non existent debts/debts that were already paid in full. When I spoke with a " company rep '' " XXXX '' the 2 -3 times that I did, and I 'm not sure that was even her real name, over the course of about a month or so, I told her each time that I was disputing the debt and to provide the following for my review so I could 'formally '' submit in writing my dispute and go point by point down the list in rebutting. She would come back with quite persistently and tell me each time that she could take a credit card payment that day and that she was authorized to take xyz amount to get my account settled and closed. Each time I came back and asked her to provide me with information for my review first. After talking to her the last time, I just let the calls ring thru and someone from the company kept calling for a few months, basically 2 to 3 times each and every day ; it became predictably annoying as it would ring and then hang up, but they never left a vm. When I spoke with " XXXX '' I asked that I be provided via snail mail, all of the following. 1. A copy of original contract with the debtor with my signature 2. The original loan amount 3. The original date of alleged default 4. The date this alleged debt transferred from the original creditor company and date it was bought by them 5. The Surety Bond information Interestingly enough I never received any  written communication from them at all after my requests to provide me with my requested information and eventually the phone calls stopped and I thought the matter resolved, but I was wrong. <P/>Flash forward a little over a year later, when I just went to do my annual credit check today, XX/XX/XXXX, my surprise that this " collection '' status is still showing on my reports, even though I asked them to remove the information if they could n't provide me with proof. I do know now I should be checking my credit report on a more 'frequent basis '' and use a free service to do so from here on since I only checked 1 time a year to get my " free annual report ''. <P/>I am asking that this company since they could n't provide me with the requested information showing this to be a legitimate debt to strike this off my credit reports.
On XX/XX/18 I purchased tickets using XXXX through Chase Bank. I paid {$250.00} directly to the sellers quickpay account. Five minutes after not receiving the tickets, I contacted Chase Bank immediately. They said that there was nothing they can do. Not even provide me with what financial institution the money went to. I dont understand how Chase can not protect our checking account from fraudulent activity. They were notified within minutes of the transaction. Why couldnt it be stopped? 
We should not be offered a service that will not protect our money. Why cant chase help their customers be protected from this?