WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I found out from XXXX that XXXX XXXX Card Services, XXXX XXXX Executive office conducted two investigations into my accounts. Neither XXXX nor XXXX XXXX sent me any notification, wriiten or otherwise regarding this matter. On the contrary, on XX/XX/XXXX they sent letters stating that the investigation was continuing. 

After spending 2 1/2 hours on the phone with XXXX yesterday my account was abruptly closed. 

Here is a brief history : in XX/XX/XXXX I went into a XXXX XXXX branch and inquired why my secured credit card showed as deputes and resolution the banker told me that it wasn't in disputes and resolution that was only IF I wanted to dispute something. I called card services they confirmed what the banker told me. In XX/XX/XXXX after 10 months of ongoing fraud, online banking fraud, fraudulent email changes, address changes, phone number changes, unauthorized payments made to cards I knew nothing about, steady decline in my credit score despite paying more that I owed, being lied to by executive office, inaccurate credit reporting, mail fraud, legislative credit freeze ( whatever that is ) double billing, investigation and re-investigation and never getting the results and being lied to about it
I was receiving constant calls from their company even after I made arrangements to pay. In addition they called by XXXX of my family members in XXXX day ( my parents homes and they are elderly and my husbands place of employment and left messages with both. XXXX of the calls made on the same day was at my spouses place of employment where they left a message as well. Harrassment They had a good contact number for me and actually spoke with me. They intintially damaged my credit because of this dispute. I have legal counsel on retainer for this matter.
I had a Quicksilver MasterCard issued by Capital One. I started to make my monthly payments as usual, but it got to the point were the payments were too high for me to handle. The credit card payments became an issue. It all led to them sending me to collection, even though I contacted them many times to resolve the issue. Now, the credit card shows a derogatory on my credit report. I did many follow-up calls, to see if this issue could be handle. This lead to nothing, and no one that could have a response for me.
I had a credit card called the Citibank XXXX XXXX XXXX   Platinum Card. Due to not wanting to pay the annual fee of {$95.00}, I requested to close the card account in the middle of XXXX. I was told by a Citibank representative that it would be in my best interest to switch my card to the Citibank XXXX XXXX XXXX XXXX Card, which did not have an annual fee. I was also told in the same conversation that the annual fee I was charged for the upcoming year would be refunded within 2-3 billing cycles. I did not understand why Citibank could not reverse the annual fee when I originally explained I did not want to pay to annual fee, and when I was switched to the XXXX XXXX. However, I accepted this, and patiently waited. 

In the middle of XXXX, I saw that my statement still had the annual fee of {$95.00} as my balance. Furthermore, I saw that interest was also charged on this annual fee. I called Citibank once more, and I was told by a Citibank representative that the annual fee would be taken off of my account on my XXXX billing statement, and that also the interest charged on my account would be reversed as well. It is now XX/XX/XXXX, and I noticed on my statement the annual fee is still on my account. 

I contacted Citibank today, and was told my annual fee would be reversed in now in XXXX. Meanwhile, interest is continuing to be charged on my account on the improper annual fee, and I feel my patience is being taken advantage of. I realize this fee is not a great deal of money, but the level of smug customer service I have received from Citibank and their constant delaying of reversing an improper annual fee I know Citibank could reverse immediately, feels predatory to me. 

I am requesting the CFPB to look into this matter.
Mortgage payments sent to Ocwen Loan Servicing every month on time via XXXX Payments are for two  homes so two checks are ALWSYS in the envelope Ocwen will process one check and not another sporadically No notification sent about missing payments Last payment sent XXXX 2016 returned stating that it is not sufficient to bring the account current Ocwen filed foreclosure on XXXX XXXX 2016 They dragged their feet on the paperwork until the last minute had to file for bankruptcy to avoid the foreclosure They claimed they could not change the foreclosure date One home was offered modification and I applied for modification in the other and it was denied I gave a chapter XXXX hearing on XX/XX/XXXX. Ocwen never notified us for three years they never got a payment. I gave copies of all checks sent to them. I have proof they only cashed some and not all. They hide behind their XXXX employees who do not have a clue. Finally spoke with someone in the US and she could not care one bit stating they denied the modification because they could not reduce the loan amount by 20 % and they are nit mortgage lenders only processors I asked to speak with the underwriters or who is in charge and that was denied Their attorneys do not care. I sent them a package via XXXX with copies of all checks sent to them. They have not returned one check or processed the payments they received. I have tried to work through this with attorneys and all I end up with is filing bankruptcy This home is in Georgia
For the last 7 days ( approximately ), XXXX XXXX calls over 15 times each day to contact " XXXX XXXX, '' starting around XXXX, with an automated message. XXXX XXXX does not live here and we do not know any such person. I responded to the automated calls to report that this is the wrong number. They continued. 
Then I received a voice mail from " XXXX XXXX '' with a phone number and extension. I contacted XXXX XXXX at XXXX, and told her they had the wrong number. I continued to get the automated calls. I called XXXX XXXX back and she said there is nothing she can do if there are multiple accounts for this person. She was very evasive with any other information as to how to stop the calls. I informed her that I was going to file a complaint. 

Thank you for your help.
Last year 2017 XXXX did not contact me about the need recertify my PAYE plan. They literally put in every single bill they send that the payment is an estimate and the the plan " Since you are currently on the Revised Pay As You Earn ( REPAYE ) plan, you are required to recertify your income and family size annually. Your next payment due above is an estimated amount if you do not successfully recertify. '' They do not say WHEN I need to recertify. This year I still don't know if and when I should recertify so I just went to the XXXX and filled out the form myself when I was able to. This is completely ridiculous. Neither student.ed.gov or XXXX bothered to notify my of WHEN to recertify by. When I did recertify last year after the deadline I had to resubmit the SAME EXACT FORM 5 times because they kept denying it. Clearly this is a tactic to squeeze money out of students by causing all the interest to capitalize. Having this company run this is a complete disgrace.
The lady keeps calling over and over and will not tell me what the debt is about but keeps asking for my personal information. I asked her not to call anymore and she will stop for a few days and then start calling every day again. I do not even know what bill this is about.
My case number is XXXX. 

I first contacted coinbase on XXXX.. I was following the steps to reset my 2-step authentication when you no longer have access to that number. It sent  a code to the old number even though I no longer have access and within a few minutes I got an email saying I had successfully changed my password. I put a temporary disable on my account because I wasnt sure if someone gained access to my account because coinbase sent that code to a random person.. even though again I put that I had no longer access to that phone number. So this all started because coinbase compromised my identity. 

I have sent multiple emails, waited on hold for over 2 hours on 4 separate occasions, escalated my issue, reached out on XXXX and XXXX. Coinbase sent me an email to explain My case and escalate it on XXXX/XXXX/XXXX. It had already been almost a week. I was told my issue would be solved within 10 days. 

I think this company is a fraud and is purposefully withholding my login. I cant possibly imagine a company that will not contact you back for weeks when it is involving time sensitive money when all I needed to do was change a telephone number on my account. I have lost money and I am very upset. 

This is happening to hundreds if not thousands of people. Literally all I needed was someone to let me change my telephone number and unlock my account. My money is held hostage and I can not withdraw until this happens.
Background : I am a victim of Identity theft and I have on three occasions via certified mail sent XXXX XXXX XXXX XXXX a copy of my police report requesting them to delete the fraudulent data/negative trade line. However, they have refused to delete the fraudulent data moreover, they have not provided/produced verification of the account as mandated under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Equifax has produced no documentation with my " Wet Ink Signature '' on it to validate that the account is being reported accurately.
I recently refinanced my loan ( after a lot of hard work ), and discovered that I previously made payments to the loan equal to almost twice the original loan amount. This sounds crazy to me, and I think I may have been taken advantage of by the loan provider. Please note I only finished my degree ( XXXX ) XX/XX/XXXX, and the original loan taken out was for my degree. 

The original student loan was for : {$42000.00} I noticed they gave me an obscenely high interest rate of 11.75 % - unsure if that was even legal in the first place. I simply do n't know, and am concerned I was taken advantage of. 
In their summary I see the following : Payments To Date {$80000.00} Principal {$64000.00} Interest {$16000.00} Late Fees {$0.00} I wanted to know if there is any protection for consumers when a loan provider takes advantage of us. Is there any protection so we do n't spend almost two times the original amount. I would be debt free right now if it was n't for them.
XXXX XXXX XXXX, I requested my XXXX XXXX XXXX  account to be closed but the company refused. They kept my account open to keep assessing fees.
This is a travesty and this practice should not be allowed. I have been assessed hundreds of dollars in late fees, overdraft fees etc.
The account should have been closed in 2016.
amount XXXX
Experian received my dispute regarding credit acceptance and they have not properly invistigated this credit acceptance mischievous behavior and dThis company responded addressing most documentation, credit acceptance has on file is fraudulent documentation, the employer they have on file is a company I never worked for, the signature 's on the contract are not mine, the bank statement from the financial institution is not mine and seems to be fake, I never banked at not until recently, however, the XXXX statement are mine, how this insitition has these statements are mind blowing, I absolutly have no idea how anyone had access to them, in addition, the address listed on these documents is not an address I ever resided at - ever document they have are fruadlent docuemnts put together in the effort to receive goods and services or financial gain. documentation properly themselves,
Hello, I called awhile back and someone put in a case number for me. Case number # XXXX. On XX/XX/2019 I mailed you all the communication documents that I have sent to USAA FEDERAL SAVINGS BANK and XXXX XXXX. I listed the case number on the envelope. Please review my documents and provide me with assistance in this matter. I sent them a proof of claim contract which both USAA and XXXX did not respond that has a Arbitration clause. Do you provide Arbitration?
THIS ISSUE IS WITH EXPERIAN REGARDING THE ACCOUNT XXXX XXXX {$960.00} BALANCE ON ACCOUNT # XXXX  IS REPORTING AS XXXX/XXXX XXXX WHICH IS FRAUD AND IT IS SHOWING ON MY CREDIT FILE, AND I HAVE NEVER HAD THIS ACCOUNT. I HAVE UPLOADED A LETTER FROM XXXX XXXX PROVING IT ON THE EXPERIAN DISPUTE UPLOAD WEBSITE AND EXPERIAN KEEPS PLACING THIS ACCOUNT BACK ON MY CREDIT REPORT # XXXX-XXXX-XXXX. I HAVE ASKED EXPERIAN TO REQUIRE XXXX XXXX TO PROVIDE PROOF AND DOCUMENTATION TO SHOW THAT THE ACCOUNT IS MINE. XXXX XXXX NEVER PROVIDES PROOF THEY ALWAYS SELECT THE ELECTRONIC WAY OF REPLY. I HAVE PLACED A FRAUD ALERT ON MY CREDIT FILE FOR A REASON AND THAT IS BECAUSE MY INFORMATION HAS BEEN COMPRIMISED IN THE PAST. EXPERIAN HAS DELETED THIS ACCOUNT IN THE PAST AND PLACED IT BACK ON MY CREDIT FILE WITHOUT ANY NOTIFICATION TO ME WHICH IS AGAINST THE FDCPA & SC STATUE LAW.
TransUnion is reporting erroneous information on our credit report from XXXX XXXX after an investigation. It is reporting a late payment in XXXX XXXX and that in incorrect.
All customers that have direct deposit with American Express Personal Savings, Bluebird, and Serve accounts are unable to get their money. We were told that it was something that would be handled in a couple of hours, then by the end of the day, then next day and now it has become a couple of days. People are unable to pay bills, get food, and pay for life saving medication. American Express has yet to explain what is happening.
My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed now Im trying to fix my credit
I had an open Complaint with CFPB XXXX, it was closed when American Express sent a letter with no resolution? The letter response to above complaint has American Express admit that they failed to initiate the proper fraud investigation on XX/XX/XXXX when I called the fraud department. American Express also admits that they never that the fraudulent debited monies from my personal checking account was to be returned XX/XX/XXXX email. The made an error and forgot to do this. I had placed many calls about this and was assured it would be taken care of it. After 15 months it is still not resolved. I will not closed out my complaint until American Express returns the {$8000.00} taken from my account by American Express. 

Dear XXXX XXXX, As a member of American Express since XX/XX/XXXX, I never had a company admit fault in their handling of procedures and not help or rectify the issue or mistakes. American Express admits they failed to initiate a fraud investigation on XX/XX/XXXX when I spoke directly to the Fraud department in a panic as my card was being charged in XXXX for over {$120000.00} dollars. American Express admits in an Email letter on XX/XX/XXXX that the fraudulent debited monies from my personal checking account was never credited back and it was an error on American Express part. All this should have been handled at the time. After my phone call from your former CEO office, I was told I would receive assurances that my issues would be addressed and my {$8000.00} be returned. I was to have follow up on how all this was mis-handled by American Express. The {$150.00} token credit was given for my troubles. I never received any more correspondence or answers from this office. Your letter is an insult to my troubles caused by American Express and the response from American Express is sorry for any trouble we caused you and you have to deal with it on my own? American Express needs to return the {$8000.00} that they fail to handle when it was brought up immediately by me. I will contact an attorney if need to. Clearly your letters admit fault. 
As for the so call emails sent to me, all legal correspondence from American Express was always sent to me in letter form. The emails I receive are only a message to log on to my account to retrieve a message. Does your office know that since my account was closed and I received three different sets of cards since the breach, every time I logged on, I had a message my account inactive closed. I was unable to see any messages. 
The response to CFPB from American Express is an insult to me and clearly shows deep issues at American Express Fraud protection services.
Under my social security number there is another person called XXXX XXXX. I have never known this person in my life.
Identity theft fraud credit inquiries XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX No date XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
My identity was stolen. False Macys purchase was resolved with Macys. The account has been closed. I get daily robocalls from a company claiming to be Citibank regarding the Macys account. Phone numbers are XXXX and XXXX.
Northwood Asset Management Company   calls my phone several times per day leaving messages that either myself or my representative need to return their calls. When I have called back I am not told what they are trying to collect for so I do n't even know if it is something legitimate. They have not sent me anything in the mail concerning the debt. Just ask where they can find me so they can serve me with papers to sue me. I am in Utah and I know this company is either in NY or Florida but when they call it 's from a number that looks like it is a local Utah number.
I received my Equifax annual free credit report online today XX/XX/2018, and my date of birth is incorrect. They also have my current address listed as a former address and my former address listed as current. The only option offered to dispute this is a link to a website, https : //www.ai.equifax.com/, and the page won't load.
My account shown on the attachment has been disputed numerous times over the last 7 years. Those investigations by the credit bureaus led to nothing being accomplished. The credit bureaus claim to have verified this information and do nothing about the fact that it is illegal, even if charges are NOT disputed, to charge 600-800 hundred dollars in fees on a disputed balance of less than XXXX. Now it has come time that the account be removed because of the amount of time that has elapsed and the credit bureaus are not enforcing the FCRA rules. As you can see on the attache ; the account clearly states that the account was OVER 90 days past due as of XX/XX/XXXX. The FCRA requires that the 'date of first deliquency '' be used to determine the removal date. The removal date should not be XX/XX/XXXX. It should beJuly or sooner based on their own information. It is also illegal to charge excessive fees and as you can see, the statement of XXXX XXXX is that these are disputed charges of less than XXXX. This credit report is from XX/XX/XXXX. Current credit reports show even higher amounts due that the excessive {$940.00} shown here.
I opened a Citi Priority Checking Account ending in XXXX on XX/XX/XXXX because I received a special promotional flyer sent to my residence which stated that " I will earn XXXX thank you points if I make {$750.00} in debit card transaction and 1 bill payment for 2 consecutive calendar months within 60 days '', I completed above requirements by XX/XX/XXXX and was expecting the bonus to post within XXXX calendar days ; however, the points did not post within 90 calendar days. So I contacted citi on XX/XX/XXXX and I was reassured that the points would post within 30 days ; however, the points have not been posted as of XX/XX/XXXX. Since this is a targeted promotion and I provided the specific coupon code XXXX upon opening account, I feel frustrated and disappointed in citi 's ability to fulfill this promotion. I request that the XXXX thank you points be deposited into my account asap, and on top of that, XXXX~XXXX bonus points as an reimbursement for the time I invested in following up this case. Thank you.
XXXX/XXXX/XXXX : CONDITIONAL APPROVAL LETTER BY CHASE FOR XXXX AT 4.5 % INTEREST ( CURRENT MORTGAGE BALANCE AT THIS TIME WAS XXXX ) WHICH EXPIRED ON XXXX/XXXX/XXXX. 
XXXX/XXXX/XXXX : HOME APPRAISAL. PREVIOUS APPRAISALS DONE IN XXXX WAS FOR XXXX AND IN XXXX FOR XXXX DUE TO DIVORCE. A XXXX COMPLAINT WAS SUBMITTED FOR XXXX APPRAISALS FOR NON PROFESSIONAL CONDUCT PER RECOMMENDATION FROM CHASE AFTER COMPLAINTS WERE MADE TO XXXX XXXX AND XXXX XXXX. 
XXXX/XXXX/XXXX : NOTIFIED THAT MY HOME APPRAISAL WAS LESS THAN EXPECTED ( XXXX RATHER THAN XXXX AS EXPECTED PER XXXX HOME VALUE ESTIMATE ) AND THEREFORE THE AMOUNT OF LOAN WOULD NEED TO BE REDUCED TO XXXX TO PREVENT PMI INSURANCE WHICH WAS GIVEN THE SEAL OF APPROVAL BY ME. 
XXXX/XXXX/XXXX : CONDITIONAL APPROVAL EXPIRED FOR MORTGAGE REFINANCE WHICH ACCORDING TO MY ATTORNEY MADE THE ENTIRE PROCESS NULL AND VOID. XXXX XXXX SITED THE DELAY OF PROCESS WAS DUE TO UNDERWRITING NEED OF APPROVAL. 
XXXX/XXXX/XXXX : FIRST COUNTER OFFER BY CHASE-NOTIFIED PER XXXX XXXX THAT CHASE UNDERWRITING IS DEMANDING FULL PAYMENT OF MY XXXX XXXX ACCOUNT BEFORE CLOSING CAN HAPPEN. THIS WAS A LOAN CONTINGENT OFFER WHICH I ACCEPTED AFTER THINKING ABOUT IT FOR 24 HRS SINCE i WAS BECOMING SUSPICIOUS OF THE PROCESS. XXXX XXXX ASSURED ME WE WOULD CLOSE IN APPROX 10 DAYS TO MAINTAIN THE 60 DAY LOCK FOR INTEREST RATE, DISCOUNT POINTS OR FEES WHICH GOT EXTENDED TO XXXX XXXX DUE TO HOLIDAY TIME. 
XXXX/XXXX/XXXX : 60 DAY APR LOCK EXPIRED WITH NO NOTIFICATION BY CHASE FOR CLOSING DATE. 
XXXX/XXXX/XXXX : EMAIL SENT TO XXXX XXXX AND XXXX XXXX REGARDING BEING IN " REFINANCE LIMBO '' WITH NO WORD OR NOTIFICATION BY CHASE PER PHONE, EMAIL OR MAIL FOR CLOSING XXXX/XXXX/XXXX : NOTIFIED PER XXXX XXXX AFTER EMAIL THAT CHASE UNDERWRITING CHANGED THE TERMS PREVIOUSLY AGREED UPON REQUIRING ALL CREDIT DEBT TO BE PAID CONTINGENT ON CLOSING. DECLINED XXXX COUNTER OFFER. WAS ASSURED BY XXXX THAT MY REFUND WOULD BE ISSUED WITHIN 2-4 WKS. 
XXXX/XXXX/XXXX : DATE OF SECOND COUNTER OFFER NOTICE MAILED TO ME BY XXXX XXXX WHICH WAS REJECTED BY ME ON XXXX/XXXX/XXXX TO XXXX XXXX XXXX/XXXX/XXXX : DATE OF THIS EMAIL BEING SENT TO XXXX XXXX AND NOTIFIED OF COMPLAINT PROCESS TO XXXX. 

CHASE UNDERWRITING WAS DEMANDING ME TO PAY ALL CREDIT CARDS INSTEAD OF THE ONE PREVIOUSLY AGREED UPON WITH MY RETIREMENT IRA ( APPROX XXXX CASH VALUE ) BEFORE BORROWING ANOTHER XXXX TO MY XXXX CURRENT MORTGAGE AMOUNT ( WITH 9 YRS LEFT ON MY CURRENT MORTGAGE WITH CHASE ) WHICH BY THE WAY WAS THE COST OF HOME IMPROVEMENT DONE TO MY HOME ONE YEAR AGO ( NEW ROOFING AND WINDOW REPLACEMENT TO MAINTAIN MY HOME ). THE PAYMENT DEMAND OF ALL CREDIT CARD DEBT PRIOR TO LOAN APPROVAL FOR AN INCREASE OF XXXX REFINANCE LOAN WAS UNREASONABLE WHEN YOU HAVE A GOOD CREDIT SCORES, XXXX OF CASH ASSETS, NO LATE PAYMENT HISTORY, NO OUTSTANDING FINANCIAL JUDGMENTS LIKE BANKRUPTCY OR DEFAULTS AND AVAILABLE HOME EQUITY OF XXXX. MY INTEREST RATE ON MY CREDIT CARDS WERE LESS THAN A 4.5 APR ON A FIXED 15 YR MORTGAGE BY CHASE SO WHY BORROW WITH HIGHER INTEREST RATE?
i have now received 2 calls from a " XXXX XXXX '' ( sp ) from a number I 've determined to be " Premier Portfolio Group '' who says they have " documentation '' in their office " pertaining to my name and social security number ''. They ask me to call back on a totally different number of XXXX. There are numerous reports of Premier Portfolio Group claiming to have payday loan debts and threatening action - I have called the only place I have ever had a payday loan and confirmed i have nothing outstanding and the last loan i 'd ever had was closed in good order in 2012 and confirmed there have not been any checks presented in my name. I have no outstanding bad debts or negative reports on my credit. They have also called a close friend of mine repeating the same information that they " have documentation in their office '' and i have no idea how they would ever have his number or why they 'd call someone else.