WillisBack/dataset-financial-user-claim huggingface dataset:
I believe my credit card company, Chase Visa, is deliberately pursuing policies designed to incur financial charges. 

My credit card statement was lost in the mail so I called for a replacement. The process to procure a replacement statement is unfair to consumers and circumvents what I understand to be the law. 

Unlike others, the company does NOT email you a replacement statement. There are 3 options : 1. ) create an online account and log in to get a statement ; 2. ) have a statement mailed to you which will take " 10-14 days '' to arrive ; 3. ) have a statement faxed to you " within one hour ''. 

To create an online account, I am forced to sign a complete and full agreement I do not want to sign. I do not want to create an online account which will be used by Chase in other ways rather than simply the one-off use of obtaining a missing statement. 

The option to have a replacement mailed is absurd. This almost guarantees that finance charges will start accruing before the statement arrives. 

I chose to receive a fax. Despite the one hour service delivery promise, I had to call 5 times in a day to receive a fax and finally received it overnight ( this is noted on my account ). When the fax finally arrived, it was missing information because ( I was advised ) the statement pages are too long and not designed to be faxed. I had the statement faxed to me 3 times to verify this ; each fax was missing the same information. ( I have included copies of these faxes ) This is NOT a problem with my machine which operates perfectly normally and the Chase supervisor told me this was to do with the page size of the statement, which is not compatible with faxing. My call was recorded so this conversation can be listened to Because Chase uses regular postal service for mailing its statements, there must be tens of thousands of statements which are lost every year, simply in the normal course of business. The process for a consumer to obtain a replacement is ill-designed and does not include reasonable steps to get a bill to a customer in a timely fashion, which is required by law. The Chase process circumvents the law by putting the consumer in the unfair position of, in order to avoid finance charges, paying a bill before a detailed statement is received. 

I wish to make a second complaint against Chase. I wanted to complain about this process to whoever regulates Chase ( there are so many agencies I was unsure of the correct one ). The Chase rep, XXXX, whom I spoke with on XX/XX/XXXX, told me she was not allowed to provide me with this information. I asked her to note this in my account. I was transferred to a supervisor. She told me she did not have this information and advised me to look it up online. I want to complain that Chase employees are not equipped to provide consumers even with simple information about their rights, like who Chase is regulated by. 

I would be happy to take up both these issues with the relevant agencies if the CFPB is not the right agency.
My husband & I did a mortgage modification back in 2013 when our primary residence mortgage was with GreenTree. When my credit was pulled this month, I am just noticing that DiTech ( the company who bought out GreenTree ) is reporting the modification and transfer of the loan as a FORECLOSURE. It is obvious from my credit report and the fact that I am paying my mortgage to XXXX XXXX XXXX every month on time, that a foreclosure was not processed during this transaction, BUT because of DiTech 's unethical way of handling their customers they are reporting as negatively as they want to on my credit report. Because of the way DiTech is reporting this modification is causing creditors to deny my loan requests.
I already filled complaint you can refer to XXXX. 
I did send certified letter to Equifax with additional evidence of mistakes on my credit report, but I did not receive response. 
By law I should get response in writing in 30 business days. I am including copy of letters in this complaint explaining everything.
Using the information at https : //www.equifaxsecurity2017.com, I determined that my personal information ( including name, date of birth, address, and social security number ) was likely leaked in a recent security breach ( XX/XX/XXXX-XX/XX/XXXX ) on Equifax, Inc. 's systems. Equifax is entrusted with highly personal information by major financial institutions and millions of Americans who use credit. Their greatest responsibility is safeguarding and handling this information properly, which, as this instance demonstrates, they have clearly not upheld.
Because of Equifax 's negligence, myself and millions of other Americans will be at constant risk for identity theft for the foreseeable future, and perhaps the rest of our lives. Equifax has offered free TrustedID credit monitoring to those affected, but use of those services requires users to waive their rights to legal class action, which is truly an unfair ask in this situation.
My private loans will not work with me during my economic hardship. I currently am on government assistance and gross $ XXXX/month. My rent alone is $ XXXX/month. I can not make payments on my student loans with this amount of debt, and they will not help me at all.
WANTING TO MONITOR MY CREDIT REPORT DUE TO THE FACT I HAVE BEEN A VICTIM OF IDENTITY THEFT NUMEROUS TIMES HAVE HAD THE COMPLETE PREMIRE PROGRAM WITH UNLIMITED SERVICES CREDIT REPORT. BUT UNABLE TO OBTAIN MY CREDIT REPORT BY MYSELF. HAVE TO CALL IN EVERYTIME TO GET MY UNLIMITED REPORT. WHEN I ORDER MY CREDIT REPPORT ORDER SAYS ORDER ALREADY IN PROGRESS. WHEN I CALL CUSTOMER SERVICE SAID I NEED TO VERIFY INFORMATION. I ORDERED MY REPORT TO NUMEROUS TIMES BUT I HAVE UNLIMITED SERVICE. SO WHY DO I HAVE TO CALL IN BEFORE I GET A REPORT. THIS IS MISLEADING. AND I AM BEING CHARGE XXXX AND XXXX FOR HALF A SERVICE. AND EQUIFAX CUSTOMER SERVICE HAVE SENT UP NUMEROUS TROUBLE TICKETS AND THERE REMEDY IS TO CANCEL MY SERVICE AND REFUSE TO MONITOR MY REPORT. NEVER FIXED NEVER DELETED PREVIOUS REPORT ORDERED. SO IF YOU CAN FIX IT THEY WANT TO CANCEL. THEY ARE NOT PROVIDING A SERVICE. XXXX AND XXXX DO HAVE UNLIMITED SERVICE AND THEY TELL YOU TO REFRESH YOUR REPORT. AND EQUIFAX HAVE BEEN SENT NUMEROUS POLICE REPORTS AND THE FEDEERAL TRADE COMMISSIONS REPORT AND REFUSE TO REMOVE THE INQUIRIES. WHAT I AM TO DO. I CANT MONITOR MY CREDIT WITH EQUIFAX. THEY ARE A JOKE. IF THEY CANT FIX THERE PROBLEM WITH THERE SYSTEM THEY WILL CANCEL YOU. HOW DO I MONITOR MY CREDIT REPORT. WHAT DOES EQUIFAX COMPLETE PREMIER PROGRAM WITH UNLIMITED SERVICE MEAN. IF THEY CANT FIX UNLIMITED ORDERING REPORT AND YOU ORDER YOUR REPORT THEY TELL YOU DONT ORDER YOUR REPORT EVERYDAY EVEN UNLIMITED SERVICE IT IS A LIE. XXXX AND XXXX SAY IT IS 1 DAY SINCE YOU HAVE ORDERED YOUR REPORT REFRESH YOUR REPORT. THIS IS UNLIMITED BUT EQUIFAX SAYS DONT ORDER YOUR REPORT UNLESS YOU GET AN ALERT. BUT YOU HAVE UNLIMITED SERVICE. THEY TELL YOU WHAT AND WHEN YOU SHOULD ORDER YOUR REPORT AND IF YOU ORDER TOO MUCH THEY ARE OVERLOADED AND YOUR SERVICE IS NOT UNLIMITED. THEY NEED TO FIX THIS AND REFUND MY MONEY FOR A YEAR.
ONCE AGAIN CAPITAL ONE BANK AND XXXX HAS FAILED TO RE-INSERT MY ACCOUNTS BACK ONTO XXXX. THEREFORE NOTIFY ALL BUREAUS TO DELETE ALL MY ACCOUNTS AT ONCE OR BE SUED IN CLASS ACTION EFFORTS. XXXX HAS SUPPRESSED MY FILE SINCE XX/XX/2015 VIOLATING THE 15 U.S.C. SECTIONg and you are violating the credit furnishers laws. 

see attached.
On XXXX XXXX, 2015, PayPal limited my account so that I could not withdraw any of the funds in my account. I was told that I would have to wait 180 days to withdraw my balance of XXXX. I have contact Paypal by phone over the last 2 weeks, and both times they have said they would escalate the issue and call me back. As of XXXX XXXX, 2015, they have not contacted me.
I do not want complaint ID # XXXX closed until you can provide both signatures from the two different transactions I made to XXXX XXXX. 

When you can show proof of both signatures and they are the same then you can close the case but until then I want this investigated.
My XXXX 's account is reporting incorrectly to the credit bureaus. XXXX XXXX has not aided in fixing the errors which the credit bureaus require. The account was closed in 2012, and I received notification that it was sold to XXXX recovery and to settle my account with XXXX  with XXXX or XXXX. The proof is attached. Upon satisfying my account, the balance was changed to {$0.00} but the account is still to this day reporting as 90 days late each and every month since XX/XX/2012 even tho there is {$0.00} balance and they transferred the debt!. I can't be late on a {$0.00} balance owed, and further since XXXX 's gave or sold this account to XXXX ( attached ) - they should not be reporting anything at all to my credit report.
I was contacted by a deceptive debt collector Weltman , Weinberg & Reis about a debt they had purchased from a XXXX. I disputed the debt and asked for validation but only received a summon and complaint of which I did answer. I never received a notice to appear in court, however I did receive a letter from the courts where a session was held on XXXX XXXX where the motion for their default judgement they were seeking were denied. This deceptive debt collector somehow got a default judgment on XXXX XXXX, XXXX without my knowledge. They went a step further and submitted to garnish my wages on from my employer without my knowledge. I immediately filed an objection to the garnishment and filed a motion to set aside the judgement because this debt collector has violated every rule put in place by the FDCPA. I have submitted a affidavit of fraud and a police report all of which they requested only to be sent a letter from Weltman , Weinberg & Reis stating that their client had completed it 's review and research and has found the account to be valid. I asked exactly when did the debt occur and was told by the attorney XXXX XXXX XXXX the debt was made on XXXX but when speaking with the CRA 's they have verified that the debt was made in XXXX, and the debt collector has only submitted statements dating back to XXXX of which I have found XXXX, XXXX XXXX XXXX has made several inquiries on my credit report. They have submitted statements to me that says this card had a {$5900.00} credit limit, but is stating that I owe {$8100.00}. It is clear that they bought this debt because the card had a balance over {$7000.00} with a 24.99 % APR and they have listed the minimum payment was only {$63.00}. I also received from Weltman, Weingberg & Reis a status report pursuant to service members civil relief act that states XXXX XXXX as of XXXX XXXX, XXXX. I have never been in the military and do not know why they would send me a copy of this. It is clear that they are trying to strong arm into owing this debt. They are taking over {$400.00} every two weeks from my pay for a debt that was disputed, and a debt that they have not provided proof of anything bearing my signature only statements that they are trying to pass off as an agreement. This has been done deliberately and intentional because after asking for a affidavit of fraud and a police report they still came back to say the debt is mine. This debt collector has not a shred of conscience, because what part of identity theft do they not get, and what more can a person do when a police report is filed and a fraud affidavit is given which is why the acts that they are doing is deliberate.
A company called XXXX XXXX COLLECTING A ON XXXX DEBT IS NOT MINE. This company just reported on my credit file. I am disputing and want this mistake removed ASAP. How does the credit agencies let this happen to consumers?
Experian did not clearly explain why my dispute was not honored. Also, I was not able to upload attached dispute documents on Experian site.
I am in a dispute with a former landlord from 2014, the landlord did receive my 90 day notice to vacate on XXXX/XXXX/2014 by certified mail # XXXX XXXX XXXX XXXX XXXX, along with my request that " ALL '' correspondences be sent to my attorney, yet his collection company has disregarded my request. I continue to dispute the debt and refuse to make payments. The agency also has not provided any options in there validation letter advising me of my rights if I disagree with the client.
I took a loan out in for approx. {$7000.00} in 1997 from XXXX which was later sold to Springleaf and now to One Main. My agreement made with Springleaf ( One Main ) was I pay a settlement on the loan for {$4500.00}. I have been paying on this faithfully, and will have paid {$4200.00} on XXXX XXXX. ( Regular scheduled payment ) With the balance {$340.00} owed by the end of XXXX - per our agreement. I received a letter from One Main saying that I owe {$6900.00}. They have also been charging me late fees when late fees are NOT MENTIONED in our written agreement. I have paid twice the amount of this loan since the beginning and now three times. I have attached a copy of our agreement and a copy of my payments made. Which confirms the above.
Regional Acceptance failed to send me notice of the " insertion of negative information being submitted to the credit bureaus '' I sent a letter to Corporate making them aware that they violated FCRA 623 ( a ) ( 7 ) Negative Information / ( A ) Notice To Consumer -- ( B ) Time Frame Instead of acknowledging the intent of the letter which was pointing out the above law, they chose to take the letter as if I was disputing the " PAYMENT HISTORY '' I was NOT! This complaint would be a duplicate complaint if I was disputing the payment history. 

I called today XX/XX/2017 and management asked what law was I claiming they violated, he stated that it was a note in the monthly statement ( XX/XX/XXXX ), which do n't clearly speak about inserting negative information to the credit bureaus. Regional Acceptance was Obligated to send me a separate notice notifying me of negative information being submitted to the bureaus and failed to do so. The XX/XX/XXXX statement the manager mentioned was irrelevant, because by XX/XX/XXXX the negative mark had already been reported ; the statement notice " threatens that action would be taken '' It had already happened. 

This is not a dispute, I 've been deceived by this company into taking extensions without properly explaining repayment which is what played a part in putting me behind, and my rights were violated according to FCRA 623 ( a ) ( 7 ) Section A and Section B. 

ALSO UNDER FACTA LAWS, REGIONAL IS REQUIRED TO FURNISH ME WITH DOCUMENTATION REGARDING INFORMATION BEING REPORTED TO THE CREDIT BUREAUS. I CALLED XX/XX/2017 TO EXERCISE MY RIGHTS UNDER FCRA 623 ( a ) ( 8 ) The manager never got on the phone to speak with me. Sent messages through reps. 

DELETE THIS 1 LATE PAYMENT FROM MY CREDIT REPORTS ASAP
I have bought a property in Vermont ( XXXX XXXX XXXX, XXXX VT XXXX ) on XXXX/XXXX/XXXX for the price of {$150000.00}. The property was appraised for {$160000.00} at the time of purchase by the Guaranteed Rate the mortgage company that I borrowed from. The loan amount was {$130000.00} and since I did not put XXXX % down payment there was a PMI with my mortgage payment. The loan was later on sold to Chase bank and I have been paying my mortgage regularly and never were late or overdue. 

I have paid extra every month to bring the LTV ratio down to XXXX % so I can get ride of my PMI. MY LTV ratio since XXXX XXXX, XXXX is below XXXX %, however the chase bank is refusing to wave the PMI and insisting on me paying Chase ( {$110.00} ) to do a broker price opinion ( BPO ) of my property. I told them why should I pay them extra to the XXXX when clearly Home Owners protection act indicates that there should be automatic PMI termination : " In accordance with the Homeowners Protection Act, your lender must terminate PMI on the date your loan balance is scheduled to reach XXXX % of the original value of your home ( in other words, when your equity reaches XXXX % ), provided you are current on your mortgage payments '' My property at the time of mortgage valued more than what I borrowed from, I clearly followed the bank rules indicating that PMI should be terminated when the LTV ratio is at XXXX %, based on my original repayment. Bank is telling me that since based on my original amortization indicated that I should be at XXXX % by XX/XX/XXXX. And since I have paid a head I need to get XXXX which does not make sense and this is another excuse for the bank to ask for more money. I have called them several time and I have mentioned to them that what they say is against the home owners protection act which was passed in XX/XX/XXXX to protect the consumers and it clearly states that the bank should have automatically cancelled the PMI as soon as my equity reaches XXXX %. 

Thank you for your attention, XXXX XXXX XXXX
I attempted to get my free annual credit report online from the TransUnion website, and due to some error on their end, I was unable to do so. I tried a second time and got the same result.
I used to use XXXX 's XXXX card. I stopped the card and asked, " Do I have any remaining balance that I can clear right now ''. I was replied " No sir ''. I want to close the account and plz make sure that is closed with " XXXX balance '' I was replied, " Your account closed with XXXX balance ''. After quite some some, may be more than 6 months, XXXX 's XXXX store in XXXX, Alaska closed their store and then I started getting letter from mcm-XXXX  XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA-XXXX, phone-XXXX XXXX XXXX. 

The quoted info : Original creditor : XXXX XXXX Original A/C : XXXX   mcm A/c : XXXX Current owner : XXXX XXXX XXXX current balance : {$640.00}
EXPERIAN. I DISPUTED BY HAND A DETAILED SUMMARY OF WRONG NEGATIVES ON MY REPORT EXPERIAN ONLY SENT BACK A REPORT NOT INVESTIGATED GIVING EMBEDDED EXCUSES WHY THEY WONT TAKE OFF THIS WRONG INFORMATION. TELLING ME TO BE SPECIFIC. HOW MUCH MORE CAN YOU EXPLAIN BY MARKING ON THEIR PAPER WITH X 'S THIS IS NOT MINE. ADDRESSES INQUIRES, WRONG NEGATIVE ACCOUNTS THAT I MARKED
On XXXX XXXX, 2017 around XXXX XXXX to XXXX XXXX or so I was at a XXXX XXXX Drive through ATM at XXXX XXXX XXXX, XXXX XXXX, IA XXXX. I attempted to withdraw {$80.00} from my Bluebird Debit Card ending in XXXX at this ATM. The ATM declined my transaction several times. On the first decline, it said " processing transaction '' for a long time. Then it said the transaction could not be processed. I switched to my XXXX Debit Card ending in XXXX and the ATM ate my card and the keypad did not work. I kept tapping the touchscreen and it released my card. I attempted the transaction again and it was successful on my XXXX ATM card. So the transaction was not successful with my Bluebird Debit Card but successful on my XXXX ATM Card. The problem is when I got home I was charged an {$80.00} withdrawal on both of my cards. I went into the bank around XXXX on XXXX XXXX, 2017 and I told them the issue. I also told them that Bluebird said it will take 45 days to complete the investigation. I asked them to go through the ATM footage to speed up the process. They admitted they have been having multiple issues with their ATM but due to regulations I would have to go through the disputes process with Bluebird. Bluebird completed their investigation and said they could not refund the charge because XXXX XXXX  told them the transaction was successful. I asked them for documents they used to make their decision. I want XXXX XXXX to go through their ATM footage and ATM logs so they can see the transaction never took place. <P/>I am reporting this to you because this is theft and I am considering legal action against XXXX XXXX. I am just waiting for Bluebird to send the appropriate documents. I am also writing this in an attempt to protect other consumers that use this ATM. The bank acknowledged that many customers have had issues with their ATM, yet they allow it to function and continue stealing other people 's hard earned money. This is not a vending machine stealing a quarter or two, this is an ATM stealing people 's livelihood. They need to repair this ATM and stop allowing it to function without appropriate repairs. They also need to stop defrauding consumers with this ATM. <P/>I received an update from XXXX on XX/XX/XXXX stating that I am correct that the ATM never dispensed any funds. They sent me evidence which I have attached to this email. They also said they have no records of Bluebird contacting them. So BlueBird lied to me when they said they closed the dispute after they contacted XXXX. XXXX XXXX has denied this claim by Bluebird. XXXX XXXX also agrees with me that their ATM did not dispense any funds, yet Bluebird still charged me for the withdrawal. XXXX XXXX has provided evidence which I have attached to this dispute.
I am contacting your organization to inform you of the outrageous and blatantly illegal loan servicing practices of ClearSpring Loan Services. They have illegally foreclosed on my home without following proper foreclosure protocol and notification as required by Michigan law. They then sent out a letter two months AFTER the sale acknowledging that my loan was delinquent ( state law requires this letter to be sent out prior to the sale ) and that they wanted to work with me towards a modification -- -even though the house was sold at auction on XX/XX/XXXX. So I know that something is up. 

Clearspring lied to me, misled me and made misrepresentations to me. My first piece of evidence is the recorded phone call from XX/XX/2016 when their representative XXXX was asked the question, " is there a sale date on this property? '' approximately 3:20 into the call. She said she would look and then responded at approximately the 4 minute mark of the phone call that there was not a sale date at the time. ( sound file of call attached ) However, the property was sold at foreclosure auction on XX/XX/XXXX. Not only did Clearspring fail to notify me, they also failed to publish the notice of sale in the newspaper as required by law for the requisite 4 weeks. Then to further illustrate the amount of fraud being perpetrated by ClearSpring a letter was received on XX/XX/XXXX ( attached ) from ClearSpring, informing me that my mortgage payment is now more than 30 days past due and offering to try and work the situation out. 

Under Michigan law this letter was supposed to be sent PRIOR to the sale. This is a futile attempt by ClearSpring to cover their tracks. Even more unbelievable is that XXXX sent a package to complete so that I can be reviewed for loan modification, even though they told me that my house was already sold and that I am only still there because of the redemption period and that I am still in the house because there is a redemption period in Michigan. This company is being sued in Michigan as part of a class action suit for violations of the FDCPA ( Fair Debt and Collection Practices Act ) because they have engaged in this same type of behavior in the past. They have XXXX agents, XXXX and XXXX who have repeatedly given us the runaround and failed to explain what is going on. They have attempted to state that the home was auctioned off because the bankruptcy was no longer active, yet for some reason ClearSpring did not follow the notification laws as required in the state of Michigan. 

I make enough money to afford a reasonable payment and was engaged with ClearSpring in the modification process when I was blindsided with the news that the property had been sold. This is obviously a mistake, or they are purposely misrepresenting the status of homes to the owners in order to conduct an illegal foreclosure. Either way, it is wrong.