WillisBack/dataset-financial-user-claim huggingface dataset:
I opened complaint XXXX about checking account because Chase effectively stole {$2200.00} from me by failing to execute a verified wire transfer. The details of my complaint to CFPB of XXXX/XXXX/XXXX were : " I opened a checking and savings bank account when I was training in the USA. I have since returned to the XXXX XXXX where I live and work. In about XXXX XXXX I concluded there was no further point in having a US bank account and I instructed Chase to transfer the balance of the money - {$2200.00} - to a XXXX bank account. I passed the online and telephone process in place to avoid fraud and was informed the transfer would take place. Instead of that, Chase terminated my online access to the account and did not transfer the money. I telephoned them and they passed me on to a wide range of people over a very long phone call. They first said I should go into a branch of Chase in the US,  which is obviously not practical as I am in the XXXX XXXX and have no reason to return to the US.  After the very long phone call I was cut off and thought it impractical to phone back given the many layers of supervisory staff I had gone through in the earlier call. I therefore wrote to the bank to complain on XXXX XXXX XXXX and again on XXXX XXXX XXXX. I have not had a reply or solution and the practical effect is that they have stolen my money. What I want to happen is for all of the money to be transferred to me in the XXXX by wire transfer as I originally instructed. If any compensation is payable that would be great. Obviously I do n't want Chase to have eroded my money through account charges since they had the instruction in XXXX. '' In response, the bank said they would pay out the money on receipt of a faxed notarised letter. I faxed they letter and they still did not pay. On XXXX/XXXX/XXXX I responded through CFPB as follows : " I paid an attorney to notarize a letter and faxed it as instructed. The bank still did not transfer the money as instructed and as they say they would in their response to my complaint to you. Instead the bank sent a letter dated XXXX XXXX which I received today XXXX XXXX. I tried to phone to talk about it, but could not get past their security as my account is on hold for security reasons. '' The bank still did not pay my money and wrote to me say that fax was not sufficient, the notarized letter must be posted. I therefore posted it to them and there has been no response at all. 

The bottom line is that Chase still has my {$2200.00}. I am worried they will steal it by a ) not returning it to me at all, because they have not complied with their agreement through CFPB and b ) they will have found a way to reduce the balance by applying charges because they sent me a letter in about XXXX XXXX to say they will be levying charges on the balance. I have had no reply to my letter of XXXX/XXXX/XXXX complaining yet again and insisting they send me my money. They do not seem trustworthy.
Hello, This is XXXX XXXX, account holder of Bank of America. Unfortunately, without any notification Bank of America closed my account, my credit card and debit card. It took almost two weeks to have access to my account and being able to use the said cards.
It looks easy, but It was not that much easy to re-open my account. At least, 4 or 5 times I went to bank of america.I spent about 90 min each time. At least 2 times I called Bank of America, I talked over phone about 30 minutes each time. I, as a XXXX XXXX and planning to get my XXXX here. I have a limited time. I do n't have any family here to borrow money from. I usually carry about {$50.00} in my pocket. Just put yourself in my shoes. How could I get gas, or buy food to eat, or pay for other stuff? How could I pay my rent? Has Bank of America ever imagined what would the consequence of its action? What if I was on vacation? How could I pay for taxi over there or buy food? Later, I figured out Bank of America need updated documents. I say fair enough, but If you need any updated documents, it is only and only your duty to ask for further documents. How can I find out Bank of America need a document, while the Bank never requested any documents? After re-opening my account, I thought the problem was solved. But I was wrong. Now, I am suffering from two more problems. First, my friend wants to send me money, about {$50.00}. It is not possible anymore. Again it is related to Bank of America. The second problem came up yesterday. It is more painful. I figured out my credit score dropped almost 100 points! why? Because Bank of America needed to update my documents, and but never asked for it by sending a text, an email or letter, or put a voicemail on my phone. Instead, Bank of America decided to close my account, my credit card, my debit card. As a consequence, my credit score dropped 88 points just because Bank of America never asked for a document. Let me explain more about the consequence of Bank of America 's action. I was planning to buy a car, due to my current credit score, it is not possible any more. My credit score was good, now it is not anymore. What should I do now? Do not you think Bank of America is responsible for its deed? I suffered XXXX from your acts too. Do you know how embarrassing is to be on shopping and there you find out that none of your cards are not working? I believe it is fair to compensate the damaged you caused. I expect Bank of America be responsible for what he did. I did complain over phone a few times, but never got ant feedback. Best,
Please see the attached documents including a copy of my complaint to the credit bureaus, my police report, a letter from my federal probation officer, a copy of my complaint to the ftc for identity theft, and a copy showing what date the credit bureau received my complaint about identity theft appearing on my credit reports.

I am the victim of identity theft. It is my understanding that once notified, the credit bureaus have to remove the fraudulent accounts from my credit reports within 4 business days. They have not. I am still fighting to get these fraudulent items off of my credit reports. I was incarcerated for a number of years and the attached police report detail and the letter from my probation officer prove that. Yet these fraudulent accounts have not been removed from my credit report. This is severely hindering me from being able to obtain credit myself. Please help me to resolve this matter.
Best Buy/CitiBank Cards is trying to rebill me for something that happened several months ago. I filed a dispute because I returned a TV for {$860.00}. I provided proof that it was returned via USPS and they 're now re-billing me for it when the dispute was filed back in XXXX. According to the LAW, a bank or company has up to 90 days to resolve a dispute, that time frame has passed. Also I have contacted them several times about this and they 're refusing to work with me. This is n't the first time they 've done this to me.
I am having a problem with Midland Mortgage who is the holder of the FHA mortgage loan on my home. They have misled me and not been honest and seem to be trying to deny access to programs for struggling homeowners. I was in an agreement with Midland Mortgage but unexpectedly had the IRS come after me for back taxes and garnish my paycheck. As a result of this garnishment I could not afford my bills and I defaulted on my modification. I immediately contacted Midland and they told me they would work with me and to contact them as soon as I was back on my feet financially. In a matter of months I was able to get the IRS to put me into a payment plan and began receiving my regular paycheck. I tried to make a monthly payment to Midland but they would not accept my money and told me I had to repay all missed payments as well as late fees, Attorney fees etc. I was not able to do this. I was told I could go through the loss mitigation review in order to resolve the late payments and get considered for a modification. I submitted the financial information and was told that everything looked good. Then I was told that since I had received assistance through HUD in the past that I could not be reviewed for assistance again. I dont believe this information is accurate and when I asked Midland to explain they could not give me any straight answers.      I have owned my home si nce 2009 and  have worked as a  XXXX   XXXX  for 26 years. I ran into a true hardship when the IRS unexpectedly garnished my paycheck and it caused me to default on this  loan. As soon as I got the matter resolved I tried to work things out with Midland, but have run into a brick wall. I believe that I qualify for assistance through HUD with my FHA loan based on the income but Midland is refusing to open a review. I believe that there are options such as partial claim, special forbearance or modification available for me. I dont understand why Midland agents tell m e to apply for help and that everything looks good then tell me that they wont help me because HUD helped me in the past. This does not seem right.
Failure to comply with request for validation. On XX/XX/2018 I sent via certified mail to Sun Loan Company a request for validation and letter of dispute for an alleged debt.

Sun Loan Company received and signed for the letter on XX/XX/2018.

Sun Loan Company failed to provide validation for the alleged debt and to place a comment of dispute with the credit bureaus they are reporting, XXXX, XXXX, and XXXX. On XX/XX/2018 I again sent a letter for request of validation and dispute via certified mail to Sun Loan Company for which they received and signed for on XX/XX/2018. Again Sun Loan Company completely ignored my letter and failed to place a comment of dispute with the credit bureaus. On XX/XX/2018, I once again sent them a letter via certified mail for which Sun Loan Company received and signed for on XX/XX/2018. For the third time in a row Sun Loan Company continued to blatantly show disregard for federal laws and not provide validation for the alleged debt or place a remark of dispute with the credit bureaus. By doing so Sun Loan Company is in violation with applicable FCRA & FDCPA laws pertaining to this alleged debt they have erroneously placed on my credit report.
I have been paying on my vehicle for almost 3 years. The company has only reported the first 15 payments which are all current. I have notified them several times of this. I was called this month and last month about my payment with threats of negative reporting to the bureaus only to find out that the trade line was last reported XXXX 2016 as Current with a zero balance. I have continued to pay on this trade line in hopes that it was helping my score but it has not been reported and thus is preventing me from getting a mortgage or a better vehicle. Please help. I called the finance company today and they advised that they have been aware of the issue since 2016 and it has not yet been resolved. I have dealt with a lot of shady dealings with the now closed down dealership and the finance company. Please help.
This issue was first resolved XX/XX/XXXX with Green Tree Servicing LLC and Consumer financial Protection Bureau case number: XXXX, whereas green tree acknowledged my payments.
What happen in the process: 
On XX/XX/XXXX, I talk with Representative XXXX with Green tree mortgage to get and explanation why every time I make a payment it doesn't show in my account activity for payments receive and principal reduction.  She informed me Green tree had placed my account into a loan modification.  As I explain to her I did not request or sign any documents requesting a loan modification.  She requested me to do two things:
1. Write a letter stating I do not want a loan modification, and I will send the balance of $XXXX needed to bring the loan current on Friday XX/XX/XXXX.  I fax the request on XX/XX/XXXX.  Green tree sent me a letter acknowledging my fax.
2. Mail funds on Friday XX/XX/XXXX as agreed to bring the loan current. On XX/XX/XXXX I mail check number XXXX in the amount of $XXXX to Green Tree.  I've confirm with my bank the funds was processed on XX/XX/XXXX.
Today XX/XX/XXXX
After Green Tree's letter of acknowledgement about resolving this issue Green Tree keep putting me off for the reason the monthly statements did not reflect I was current on payments.  Later Green tree moved my account to Ditech now this issue has not changed and I keep getting calls stating I'm late on payments and this month they reported it on my credit report.  I have details of all my payments to green tree and Ditech showing I have not missed a payment after I brought the payments current XX/XX/XXXX.  
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Regarding the late reporting of my mortgage account with XXXX, I am disputing this record due to the fact that this was in fact paid. This should not report on my credit report as a 30 delinquent account for this reason. 
The reason this is reporting is due to the fact that my mortgage was sold From XXXX to Loan Care,  and during this transition period, it appears this got mixed up. 
I received confirmation that my payment was made and had been received from XXXX shortly after my payment was made. I later received information stating that my payment was not received and that I would have to wait until the transfer of the loan was processed before I could even make the payment. Emails sent to me direct from XXXX are below
Dear Sterling Incorporated, I just discovered that even after disputing with the credit bureaus, there is still an account from your company being reported improperly. I am not sure of the origin of the account. This is why I would like validation of the debt to verify its accuracy. I need to examine the billing statements that show how the balances accumulated and the original signed contracts or applications giving the original creditor permission to bill me. I have been the victim of identity theft in the past.. At this point I am not alleging it is a fraudulent account, however ; it is a possibility. I need to look through these documents to determine if the account or charges to the account were the result of unauthorized use.
I have been made aware that this company is not licensed in the State of Florida to make payday loans. This company is also issuing payday loans with interest rates that could violate State of Florida and Federal usury laws.

I have requested my original loan document from this company and they are refusing to provide it. Instead they have provided where I applied for a loan and the paperwork about cost and fees. I have sent them several letters asking for my original loan documents to this date. I have not received them. This could be a violation of the truth and lending act.

Also they have listed this illegal loan on my credit history with XXXX and XXXX XXXX.

I want the loan removed from XXXX  and XXXX XXXX and any other credit bureau they may have listed it on.
Chase is refusing to credit me for {$5600.00} in fraudulent uber charges to my credit card on uber accounts that are n't mine. I 've spent  over 10 hours  on hold and talking with various reps to try to get the charges refunded. I itemized all of the charges and reviewed them with the fraud department, they said they would be refunded by this past monday end of day. They refunded a  few hundred dolla rs of them, but are now ( Thurs ) claiming the charges are under review. I had originally reported a fraud transaction in  XXXX  when a charge looked off.  Chase as ked for proof from  XXXX , they provided a document showing that the charge was on a separate account from someone who was not me, but refused to refund the charge. I had my first child on  XXXX  and did n't have time to look into the matter until doing taxes. I thought it was a couple hundred dollars, but when I reviewed my yearly statement, over {$5600.00} in fraudulent charged had been made. They 're attempting to brush me off hoping that I give up and pay the charge so my credit wo n't be damaged.
Experian has reinserted a XXXX XXXX XXXX account that was previously deleted from my report in XXXX 2016. This account was deleted from all three of my credit reports after it was confirmed that it was not mine and the bureaus completed their investigations. The account number is " XXXX ''. For almost four months, this collection account was not reporting on Experian until I checked my credit again on XX/XX/XXXX. This account is now back on my credit report with the same past due balance. This is not accurate information and I do n't understand why this is happening if it was already deleted. I know my rights under the Fair Credit Reporting Act. One of the consumer protections in the FCRA SECTION 611 Part ( A ) ( 5 ) ( B ) ( ii ) requires the credit bureaus to notify me in writing not later than 5 business days after the reinsertion of an account. I did not see any such notice from Experian addressing this matter.
In the XX/XX/XXXX Caliber Home Loans bought my loan from XXXX, my husband had lost his job, we were in the middle of a modification, Caliber granted that in XXXX of XXXX. We made three or four payments, I had to miss work due to an illness, my husband was ill and therefore we got behind on our mortgage. I applied for a modification on XXXX XXXX, XXXX, the rep told me it would n't be a problem, well, this is when the nightmare began, they denied it saying we did n't have a hardship, they had already given us a mod this year, and we did n't have enough income, they had his income down wrong. The rep also told me not to make a payment in XXXX. By this time I am behind 4 months, I had received a breach letter, it was due to expire in two days, they set me up on a payment plan for {$3200.00} down and {$2700.00} a month for two months after that, they told me they do n't stretch it out for six months. I was approved for that plan, I called back, a lady told me you do n't have to do that plan, appeal the modification they denied, and I will take a payment over the phone on the XXXX of XXXX, I got a card in the mail that said they were taking out a payment, I had already sent a check, I had to stop payment on the check, so they did receive a payment in XXXX, I called back in XXXX, now they 're telling me they denied the appeal, they ca n't take one regular payment because the breach letter expired on XXXX XXXX, I have been turned down for any type of repayment plan because I make too much money or not enough, I applied again for a modification, I was turned down again, they keep wanting paycheck stubs, I send that, then they want me to sign them. It goes on and on, I am writing to you because I saw in your letter they have to give you six months to stretch out the loan, if that 's the case why ca n't they take what I owe and divide it by six??? They keep threatening foreclosure, they wo n't give me modification, the down payment is very high, but they tell me they do n't want the house. I am XXXX years old and have been a XXXX for 34 years, will someone please stop these people and help me get a modification or a payment plan where I can keep my house!
I make a payment every month. Upon opening my loan it says I don't have to make a payment or give me an amount to pay. I typically pay {$150.00} then. My principle amount has not changed in 5 months. 

I called Sallie Mae and they told me the money goes to accrued interest. I then looked at my account history. It then shows that interest amounts being taken out on the XX/XX/XXXX of every month and then on the XX/XX/XXXX of every month. I asked where this money on the XX/XX/XXXX was coming from. They told me it was from my payment. I then asked what my interest payment for XX/XX/XXXX was and they told me it was {$120.00}. I asked where did the extra {$22.00} go. They told me it goes towards interest. I asked why? If all the payment that was required was {$120.00} why wouldn't the excess go to paying down the principle. 

And why doesn't it show this on my loan payment history? Also why are these payment broken up for the XX/XX/XXXX and XX/XX/XXXX of every month? I then asked why they don't give me a choice of how to apply my payment on their website? Your only choice is to make a payment. Not how it is applied ( interest, fees, principle )!!! 

I also asked if, my loan doesn't require a payment at all, why isn't any amount going to the principle? I kept getting the same answer of how it is accrued interest and no payment is due until school completion. Why do I get penalized for paying a loan that isn't even suppose to get payments? Shouldn't any early monies be applied to principle so the interest is decreased? How is it legal for them to divide my money/payment on various dates without my approval or paying me interest on my money? How is it legal for them to hold onto money for the next accrued payment and not applying the surplus funds to principle? How is it possible that they don't show this on my loan history? And if they do, how is it I'm not seeing it? How is it possible that they don't offer me the option of paying extra principle/principle after the interest portion is paid?
My mortgage was with XXXX and that loaner only had to pay taxes and insurance. No payments were required from XXXX for over two years and house was written off. Then on XX/XX/2015 Green tree sent client a letter requesting payment of XXXX. Client is on social security XXXX and unable to make any payments after two years.
I received correspondence from The law office of D. Scott Carruthers stating i owe his client XXXX, XXXX ( XXXX ) $ XXXXoriginal creditor XXXX. I am writing you because the letter is inaccurate and threatening based on my credit report this debt is not assigned to XXXX ( see attached letter ) also D. SCOTT CARRUTHERS owns XXXX. This debt is too old to take legal action therefore making this demand illegal.
After Hurricane Maria passed through XXXX XXXX, all financial institutions offered a three-month moratorium on their different loans. In addition, it was reported that no surcharges would be charged during this period and that arrears would not be reported to credit agencies. 

In my case I did the whole process as indicated by the financial institution and after several weeks they called me and informed me that the moratorium on my mortgage loan was approved and they gave me a date to present me with some documents to sign the agreement. This appointment was canceled until further notice. 

Meanwhile, I am in negotiations with another financial institution to obtain a personal loan which I can not obtain due to the low in my empirical. So, I request a report from the credit agencies and it is there that I realize that I have registered three months behind on my mortgage loan. Since then I have tried to resolve the situation with the XXXX XXXX XXXX and XXXX XXXX without any success.