WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from Chase saying I was eligible to apply for a Chase XXXX business credit card for my business. I applied for the card and received a letter telling me I was denied because I had had too many credit cards opened in the previous XXXX years. I called their help line and was informed that even though I had never missed a late payment on a credit card, my FICO score is XXXX, and XXXX of the XXXX credit cards in my credit history were closed at the time of the application, and the XXXX credit card I still have open is a Chase credit card with a {$31000.00} limit, that they would not approve me for another credit card. 

I expressed that I was willing to provide Chase bank with additional proof, including statements and other information from XXXX other Chase XXXX cards that I had received over the past XXXX years to demonstrate my credit-worthiness, in accordance with XXXX Rules concerning evaluation of applications. ( XXXX ) XXXX history. ( ii ) which reads : " On the applicant 's request, any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicant 's creditworthiness. '' I can clearly prove that I am creditworthy by any standard, and believe that Chase is denying me credit for a reason other than the XXXX they are communicating, or that the criteria they are using ( the number of credit cards I had open ) is outside of any behavior that would indicate that I am credit worthy. I have been opening and closing multiple credit cards per year, mostly with Chase, for over XXXX years, and this has never been a problem and has never negatively affected my creditworthiness.
Credit bureau is in direct violation of GRAMM- LEACH BRILEY ACT, 49 CFR 801.56, FCRA , FDCPA and various consumer protection laws.
I 've reported these people before. Called at XXXX XXXX. 

Here 's the message they left : This message is for [ uninteligable ] regarding file number XXXX This is XXXX XXXX XXXX now serving final legal notification. Failure to respond within the next XXXX hours will result in you forfeiting any and all rights for about restitution. Your case will be forwarded out to your local jurisdiction to be prosecuted to the fullest extent allowed by state law. If you wish to prevent legal action is imperative you contact the filing department at XXXX [ message ended ].
It took me a long time and a lot of effort to get a loan modification from XXXX, they made it very difficult and denied my applications many times, one time because they said I had enough money and another time because I had not enough. Finally, in XXXX of 2013 I received a congratulations letter ( I have a copy of that letter ) stating that I finally was approved after the three-month test period of paying the modified amount each month. ( I have copies of all the checks I paid at the trial period ) At this time I received a document to sign and notarize but I had some questions regarding flood insurance, XXXX was not answering my calls and if they answered they did n't know anything to guide me on how to proceed and finalize the loan. I sent them a letter begging for help and they answered that Green Tree was now handling my modification and they had all the information and will honor my case. ( I also have that letter ) I called Green Tree and they told me that they were very busy with the new situation and I should call them back some other time. I keep calling them every day and got very vague answers to my questions. ( one time they told me to call back in tree months, I swear it is true ) Later on, they told me that I had to pay the regular monthly payment I paid before the modification, I argued and then said that I could pay the amount of the modification but I could not trust them because never gave me any contract or paper to sign, they just did n't care, everything was very unprofessional and I could not trust them at all. I gave up, I was exhausted and frustrated my health was deteriorating and I had to be treated for XXXX XXXX XXXX. I never heard from them for a while, then a year later they started sending me bills that I owed as if I never had any modification plus interest late fees and everything, the amounts were way too high and I could not afford to do anything and it was no way to talk to them because they have unqualified people answering the phone that are only trained to put pressure on you. Now I 'm in foreclosure and the day of the hearing is the XXXX of XXXX. Is anything I can do? I have a lawyer that sais I have no case and the best thing to do is accept the debt.
Here is a copy of the I'd theft report for your records. Please remove the item from my credit report permanently. Please remove the item from my credit report until your investigation is over.
I opened an account for visa card in order to finance part of the purchase of a timeshare with XXXX XXXX. The amount on the card was {$3000.00}. I paid the balance on the card prior to XX/XX/XXXX and never requested or received a replacement card, so I assumed the account was closed. 
XXXX XXXX, who was my wife at the time, was not an authorized user of the card, however, in XX/XX/XXXX she advised me that she had been using the card for some time. I don't know exactly how long, and she had accumulated a debt of over {$17000.00} on the card. She advised that a collection agency was trying to collect payment for the debt for Barclays Bank Delaware, and they had threatened to garnishee her wages if she did not pay a certain amount by a date certain. She also advised me that she was issued a card in her name on my account by Barclays. 
About a week before XXXX contacted me about this, I had received a letter from Barclays in which they claimed I owed them {$17000.00}. When I learned about the debt from my ex-wife, I wrote to Barclays advising them that I had not authorized XXXX to use my account and I did not assume any responsibility for the debt, and I requested them to remove the debt from my credit report. On XX/XX/XXXX Barclays responded to me that since their records reflected XXXX as an authorized user on the account, they considered the debt to me as accurate and they would not remove it from my credit report. I discovered from the credit bureau that Barclays had written the debt off in XX/XX/XXXX, although they had never mentioned any debt to me prior to XX/XX/XXXX. Since my ex-wife was never authorized by me to use the card, and Barclays never attempted to verify by me that she was authorized to used the card, I think they are attempting to extort money from me to pay a debt I did not incur or authorize, and I would like for them to remove the debt from my credit report and to not harass me about the debt again. My ex-wife did not reveal the debt in the divorce decree, because she intended to hide it from me. Therefore, because of her concealing the debt from me and the fact that I never authorized her to use the card and Barclays never attempted to verify that she was an authorized user and never notified me that charges were being made by XXXX on my account, I consider the debt her sole responsibility
I was unemployed and had a hard time to pay my home loan XX/XX/XXXX and XX/XX/XXXX. Based on this fact, I requested to refinance my home with OCWEN Home Loans ( loan # XXXX ), which was refused. Then they give me the option of a quick sale ( deed in lieu ), which I agreed ; however, after several months ( XXXX ), I had no answer from OCWEN, arguing that their legal department was analyzing the case. On XX/XX/XXXX I paid OCWEN a due amount of {$7200.00}. Immediately after, they charged me {$650.00} for fees/other charges, disclosed as follows : {$390.00} trustee fee, {$220.00} title report fee, {$19.00} statutory mailings, and {$13.00} of property inspection fee. I completely disagree with all these fees, caused by their lack of resolution to a deed in lieu procedure. I suspect they intentionally lack to agreed in the deed in lieu procedure, hoping that I fail to pay and they continue to a foreclosure. Please help. 
Respectfully, XXXX & XXXX XXXX. 
Ph. # : XXXX
I am attaching the documents I received today from Schreiber/Cohen LLC on behalf of XXXX XXXX XXXX XXXX. The documents were very poor quality photocopies. Parts of the documents were blacked out and the envelope was hand written. I have no idea if this is legitimate. I have NO problem working out a payment plan with a creditor if it is legitimate but this looks questionable.
I have tried on several occasions to reach Deutsche Bank regarding who to contact in reference to a US Dept of Justice mandate directing Deutsche Bank to make available to requesting loan holders the contact information for relief related to a lawsuit by the Dept. of Justice against Deutsche Bank. I called Deutsche Bank directly, and their law department told me to contact their media department. I registered a complaint with CFPB stating that such contact information has not been made available as ordered by the Court. Deutsche Bank refused to give CFPB the contact information for the assigned team, instead I was told by CFPB that Deutsche Bank would have the team assigned to comply with the court order reach out to me. No one from Deutsche Bank 's team has contacted me. This is time sensitive. And Deutsche Bank is non-compliant in the directive by the US Dept. of Justice in providing a contact person for me to communicate with, and to file my claim. This complaint is because Deutsche Bank did not follow through on their commitment to CFPB.
The American Student Services has taken ownership of this account when it was with another other holders XXXX, XXXX and XXXX XXXX XXXX. I have advised them of this. Most recently this agency is profiling me at this date of XXXX/XXXX/XXXX when this account is not assigned to them. My student loans are currently assigned to XXXX. That has not stopped AMERICAN Student Services from causing negative impacts on my credit by putting erroneous information on my credit reports most recently XXXX/XXXX/XXXX with XXXX and XXXX XXXX with XXXX and XXXX..They have attempted to start the this cycle over by putting recent negative late payments on my account when it is not in their ownership. I do not have an account with them.. This appears to be racially motivated due to my previous complaints and previous conversations with older woman at American Student Services..
I used XXXX connected to my Wells Fargo online application to purchase concert tickets. The first occurance was on XXXX which I was supposed to receive 3 tickets for XXXX. I didnt receive the tickets at all and the guy claimed they were sent to his account but his brother had switched something around so he was unable to receive the funds. His name was XXXX XXXX. He gave me a XXXX account with a different name but I declined to send him more money as Wells Fargo saw that XXXX XXXX XXXX received the {$180.00}. Today I was trying to purchase tickets and was asked to use XXXX to transfer {$100.00} for 2 tickets. I was apprehensive so we agreed that he would send the tickets after I sent him {$50.00} and then once I received the tickets I would send the other {$50.00}. I sent him the {$50.00} and XXXX XXXX  received it. His name was XXXX XXXX. He hasnt responded to any of my calls or texts and wont send the {$50.00} or provide the tickets we agreed on. Wells Fargo, XXXX XXXX XXXX, and XXXX should not use XXXX for its customers as their is no consumer protection. I have filed a police report with the city of XXXX XXXX, Minnesota. I would like Wells Fargo to return my funds immediately, as there are no safeguards in place to prevent more consumer scams just like this. Please help
Citizens Bank representatives provided me with false information which caused me to be charged an overdraft fee. I was given NO NOTICE of the fee until AFTER I deposited money to bring account into the positive. They did this so they could take their fee out before I could use the money to pay my bills. Supervisor said there is nothing they can do about their own representative giving LOYAL CUSTOMERS false information.
Specialized Loan Servicing is over-collecting for property taxes and they have misapplied our  XXXX  mortga ge payment. I have attached a letter providing all of the details.
XXXX attempted to reach me at my place of employment. The representative, Mr XXXX spoke with our receptionist at the office demanding to get in touch with me. Mr . XXXX explained to her that he has left me numerous messages over the past few weeks but never heard back from me. She called me worried that there was an emergency because Mr . XXXX was so adamant about reaching me. He would not give her his contact information or business he was calling from. I have been at this employer for 1 month and having 'someone ' contact me and say I have not returned numerous calls to a 'mystery person ' is extremely unprofessional and will result in me having a negative review on my on work history. I contacted Mr . XXXX  at XXXX and told him to NEVER contact my place of employment after speaking with another colleague of his stating the same thing. Here is a list of numbers XXXX has contacted me from : ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX ) XXXX-XXXX, ( XXXX ) XXXX-XXXX, ( XXXX   ) XXXX-XXXX  and ( XXXX  ) XXXX-XXXX. XXXX
I have a payday loan through the Cash Store located on XXXX XXXX XXXX, XXXX, TX XXXX. I defaulted on my payments, so I have been dealing with their office calling me multiple times a day on my personal and my work phone. They have been calling me on a multiple line office number, which is used only for customers since I work in the healthcare field. I called the Cash Store on Thursday, XXXX XXXX, 2015 to let them know that I needed them to stop calling me at the multiple line office number and that if they needed to reach me, they could call my DIRECT work phone line or they could call my cell phone. However, they attempted to call me again on XXXX XXXX, 2015 after I had already discussed this with XXXX ( the manager of this branch ). I am in contact with a debt consolidation organization here in XXXX XXXX to discuss my options to deal with all of my debt so I can hopefully be debt-free soon.
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I talked to all of the above representative and explained my situation as far as someone stealing my identity and obtained goods or services. They were not helpful at all. They didnt offer any resolution and they were very rude when i did have questions.
Just received notice ( attached ) that Chase is changing the interest rate terms on my card I have had since 2015. Changing from 7.99 % to 12.99 % APR ; a 62.5 % increase. I called Chase and they said this was happening to better align my terms with what is currently offered. I responded, if I wanted terms currently offered I would apply for a new card. 

My choice is to close this to accept the new terms or close my account. Closing my account will negatively affect my credit ; as my credit history length will be reduced ( I have has this card for 12+ years, longer than the average account on my report. 

I was given no other option, Take it or leave it
I am filing this complaint because I were recently alarmed by a statement from a first American title insurance company in reference to claim no.  XXXX  referred by parks title and the intake worker said BOTH OF YALL NAME IS ON THE TOP OF THE TITLE. I am seeking action without delay to deal with   XXXX   XXXX   whom committed mortgage fraud and must be held accountable.
  XXXX   XXXX   and his daughter Immaculuate   XXXX   listed on the covenant deeds claim they bought   XXXX   XXXX   XXXX   at a bank sale for   XXXX    from   XXXX   XXXX     XXXX   XXXX   and harassed me to moved out.
They claim parks title conducted the title work and I were contacted by the federal trade commission in  XXXX  revolving around ftc #   XXXX    and instructed to call   XXXX   and see what they would do for me. They repeat over and over that they were sorry for what happened to me and would do a lien release on the property which I received  XX/XX/XXXX . The  XXXX  loan is marked paid off on my credit report in  XXXX . Also the case was published by the OCC complaint no.  XXXX   XX/XX/XXXX  against   XXXX   XXXX   and fined   XXXX   XXXX   and a cease and desist order made by the Court.
There is no legal transaction on record.
I am a victim of identity theft and have submitted police report affidavits and FTC report to the credit reporting agencies to remove fraudulent accounts on my credit reports. All have complied except for Equifax. I have sent them the police report 3 times as they claim it was not legible the first time but still are reporting inaccurate information about me.
We ran a small XXXX XXXX. We called our credit card company, First Data on XX/XX/XXXX to close the account effective XX/XX/XXXX. We were closing the business. I saw charges on one of our bank accounts that we were keeping open to pay any bills after XX/XX/XXXX. They charged us for XX/XX/XXXX & XX/XX/XXXX a total of XXXX with no activity at the business. We called to have the charges stopped & reversed, but instead were billed for XX/XX/XXXX. We have closed the account at present to stop the charges, but when we called, the representative told us that we were supposed to call on XX/XX/XXXX, of which we had not been told & that there was no supervisor to speak to ... of course untrue. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX
On XXXX/XXXX/2016 I contacted them ( The Bureaus INC ) to pay a debt owing on my credit report. I paid the debt in full and requested an email stating the debt had been paid in full. I explained that I was in the process of getting a mortgage and needed to do a rapid rescore with the credit. I have only worked with XXXX at ext. XXXX. She first stated that I would have to call back at XXXX XXXX the following day to get her to send email but that it would not be an issue. I called her back XXXX at XXXX she stated that she would send it out that it was right in front of her. I did not receive the email. I called her 8 times on XXXX each time she stated that they she spoke to her VP and he had to send the email but she would remind him. I do n't understand why I have been treated this way. I have a hard deadline to make to ensure financing for my new home. Called again at XXXX XXXX spoke to a XXXX XXXX. He stated that they could n't send out the email because of their law department and VP could n't get their system up and running. I paid my debt, it cleared my account but I ca n't get a email or fax showing that I paid my debt in full is criminal, Have been lied too twice about getting it done first yesterday XXXX and again today XXXX/XXXX/2016
In a Chase bank office in XXXX, Illinois I encountered Bait and Switch advice from a bank representative in a small office. She talked me into dropping my XXXX card valid through XXXX, 2016 which gave me unlimited use of the XXXX XXXX XXXX XXXX ( XXXX # XXXX ) for {$100.00} per year. My membership card is in my possession. Very soon after that meeting the fee went up to {$500.00} per year. She strongly urged me to switch to a Chase Sapphire card which was free, but no longer associated with XXXX XXXX. This was clearly a Bait and Switch tactic. Now I have a validly dated card but can not use it.
Due to XXXX, XXXX & loss of jobs we could not make our house payment. We had a loan with XXXX and a XXXX loan with XXXX XXXX ( {$25000.00} ). We talked to our realtor who said to do a shortsale. She listed in XX/XX/XXXX at {$85000.00} ( XXXX shortsales in the neighborhood ). We received {$120000.00} which the buyer agreed to. She waited a month then terminated because she found another house that was not in shortsale. The house went back on the market and we received an offer XX/XX/XXXX for {$120000.00}. On XXXX XXXX notified us that the servicing of our loan was being transferred to Bayview Loan Servicing LLC on XX/XX/XXXX. But then moved it back further to XXXX. So we could not do anything during that time. Since we have been working with Bayview we had XXXX different negotiators in 5 months. We have had a qualified buyer since XXXX who still wants the house. Bayview has had an investor who still to this day has not said yes or no to the loan ( XX/XX/XXXX ). This company has called and harassed us and more important has called and harassed our parents who have nothing to do with our loan. If they needed paperwork XXXX has everything they need. She has been working on this offer for 8 months along with our Realtor. XXXX had been calling our Realtor each week to make sure the house was in pending and still going through. On XXXX our Realtor went to check on the house and found a flyer on the window from XXXX saying they were going to board the house up and change the locks. Our Realtors sign was out front in plain sight and had a sign saying " contract pending '' along with a lockbox for agents to get in. She went to XXXX and tried to find out what was going on. She did have a loan officer call someone to notify them the house was in pending. Bottom line is we have had a qualified buyer for over 5 months and the offer is being sat on! They could have their money and we could sell the house.
XXXX incorrect information. 
Previous balance of {$410.00} was the original purchase in XX/XX/2016, I was never late since the interest was 0 % for 1 year or 19.5 % if not paid in full. Original purchase was paid in full back in XX/XX/2016, no more additional purchases were done, and will never do!!! 
Payment : # XXXX Monthly???? I did pay monthly as shown on the attached XXXX statement .... 
Thank you in advance for your great support!!! CFPB
someone wrote me a bad check. the bank deposited it, the money was there for 5-7 days. Then they took the money out of my account, overdrafting it as well. so i fixed it all. they got their money back and i continued to deposit again. Then they froze my debit card. So i went to the bank manager, at Charter one bank in XXXX ohio, and she said there was nothing wrong with my account and got me another debit card. It worked once, then they froze all of my money in the account. i did nothing wrong and i need my funds desperately. i just want to close the account and they wont let me.