WillisBack/dataset-financial-user-claim huggingface dataset:
- I've been a customer with Chase for over 6Y, & I have been VERY satisfied with their service, I have a checking, Saving & two credit cards with them. 
- This XXXX. I finally started my own business ( XXXX XXXX XXXX ). 
- On XXXX XXXX, I went to " My Bank '' Chase to open a business account, the banker " XXXX XXXX '' was really very helpful, she opened me a business account & a credit card for business. 
- I got an email confirmation about everything & that it is all OK, so, I used the bank account to make 2 payments related to the business, one to XXXX County, & one to XXXX XXXX. 
- on XXXX XXXX, I tried to login to my bank account online, I discovered that my login is suspended! - I was never notified the account was restricted formally until more than a week after-. 
- I went to the nearest branch, the banker told me they restricted your account & they didn't mention why! The banker told me " They didn't mention any reason ''. She gave me a phone number " maybe '' they would know why! 
- I called, the rep advised that they failed to verify my identity! ( I already have 4 accounts with chase & have been dealing with them for over 6 years )! He asked me to take my social security card, DL & go to a Chase banker to verify my identity! 
- I took them & went to the same banker opened the account, she wondered & told me " I just copied your info from your other accounts '' ( they all linked ), she scanned both of them ( SS card & DL ), and uploaded them, but also couldn't solve the issue, & didn't know why or what was the reason! After talking to her manager ( who also didn't know why they closed the account! ) they ended up that I might have an identity theft, which scared me ( I'm planning to buy a house ). They printed me the contact info of the 3 credit bureaus & advised me to check with the Social Security Admin. ASAP. 
- After wasting 3 hrs with the SS Admin. & get my Credit report, I found everything is perfect & I don't have any problem. 
- I want to know why they restricted my account, WITHOUT ANY REASON! & put me in this situation with my creditors?! If there is a problem ( and there is not ), why they didn't just put things on hold till they confirm anything - again, I wasn't just walking by & decided to open an account, I've been dealing with Chase for over 6 years ). Is it discrimination or not to pay {$300.00} new acc bonus!!!! They wasted my time ( a LOT of time ), scared the XXXX out of me ( Identity theft issue ) & might affect my credit so bad ( XXXX XXXX ) - I was NEVER late on a payment my whole life!!!
We closed on our fixed rate home loan at the end of XX/XX/XXXX. Our monthly payment, based on debt-to-income was approximately {$1400.00}. In XX/XX/XXXX we were notified of an increase of approximately {$300.00} per month due to a projected shortage in escrow. There was no significant increase in annual, local property tax or in homeowner 's insurance. The lender chose to pay both in full between late XX/XX/XXXX and XX/XX/XXXX, reducing escrow from close to {$3000.00} positive balance, to approximately {$2000.00} negative. After extensive communication with an attorney from the lender, we were able to reduce the monthly payment to about {$1500.00} per month. This was difficult, but manageable. In XX/XX/XXXX in spite of requests to pay the property taxes in quarterly installments ( as is recommended best practice and, as is easily demarcated by the tax bill, itself ), a notice was sent to us indicating the projected monthly payment based on escrow shortage was to increase to over {$1800.00}, as both the tax bill and the insurance bill were paid in full, again immediately before the annual projection was calculated. My income has neither increased nor decreased significantly. Therefore, the initial agreement in good faith, as well as the XXXX loan agreement, both based on a debt-to-income ratio calculated with full transparency of what we are able to pay, bears little resemblance to the monthly payment now owed, at a rate XXXX % higher than what we agreed to just XXXX years ago. We have been late in payment because of the financial hardship a {$400.00} dollar per month increase has caused. Now, we are receiving XXXX and XXXX default notices by mail each day. I have spoken with representatives from the lender, mailed them evidence of income, as they requested, and emailed them requests for modification. I have spent hours trying to rectify this situation and, when I have received a response, it is as if they are hearing this for the first time and are completely unaware of the situation. Or, I receive contradictory information, dated after they have processed a payment, indicating they still have not received a payment. Furthermore, they are requesting documentary evidence that has already been sent. Not only is this causing financial hardship, extreme anxiety, and personal frustration, it is also taking hours of time during which I should be performing my job duties to earn the extra money we so desperately need. It appears that the lender is exploiting a loophole in an otherwise fiscally responsible fixed rate mortgage in order to utilize projected escrow shortage to raise rates such that we are unable to meet timely payment and, thereby, default on our property. We have no intention of foreclosing.
I have attempted to inform Ad Astra Recovery Services , Inc for over 5 years that the debt they are reporting on my credit reports doesn't belong to me. I have constantly disputed the problem with all three credit bureaus, paid companies to dispute the debt on my behalf, and contacted the company directly. I sent letters for validation to Ad Astra Recovery Services , Inc. and the company sent a response stating the  account was verified. However, the the debt letter they sent was addressed to XXXX XXXX, which is not me. On other forms the last name listed is not how my name is spelled, I did not live in Texas when the alleged debt was taken out, and the banking information listed is not mine and I've never had an account with the listed institution. No additional identifying information is provided to support that this debt belongs to me, including the lack of a telephone number. In addition to the issues I mentioned regarding the documentation Ad Astra Recovery Services , Inc provided indicating that the debt is not mine, there is no physical signature on the contract, which further confirms that the debt does not belong to me.
on saturday i purchased a tour in XXXX for me an my child with this card. i was excited about it. unfortunately the tour guide was not so good and it was not enjoyable. i did contact the company to let them know he did not speak loud for all he did not wait for all before he kept walking and i wanted some of my XXXX dollars back. i have heard nothing. i emailed. i will pay for the museum which was part of the money but noit tour. it was awful. every time i tried to connect with disputes i get disconnected. i have never disputed an item before with XXXX XXXX XXXX please refund half after talking to them XXXX XXXX XXXX.
JG Wentworth proved to be incompetent and unresponsive in getting their primary task completed-closing a home loan on time. I began the application process over two months before we needed to close on a new house ( I had to wait to lock my rate-two months before closing. ) They were not able to deliver the paper work to the closing attorney on time. To rub salt in our wounds on closing day the closing attorney tried over and over to get in touch with our loan processor and no one returned their call-all day. We were supposed to close our loan at XXXX XXXX on Friday and when all parties arrived at the closing attorneys office they had not heard one word from JG Wentworth concerning our closing package. Needless to say the people we were purchasing the house from were furious and we were out on the street for three days ( it was Friday. ) We incurred over {$3800.00} in expenses and loss of wages, not to mention the embarrassment and anxiety they caused us. Everything we owned was in a locked house we did not own. JG Wentworth offered us a remediation gesture that does not begin to cover the loss we incurred as a result of their utter ineptitude and lack of corporate and personal professionalism.
Public records should be deleted as of  XXXX / XXXX /17 from all credit bureaus, experian,  XXXX ,   XXXX   XXXX  . It is making it difficult to obtain credit. Please delete.
Tax Lien paid and satisfied from Ga Dept of Revenue. Has not been removed from Equifax. I am not on the delinquent taxpayer list and I have receipts showing lien has been paid in full. 
Reference number : XXXX {$1700.00}
On XXXX XXXX, 2015, I made a " Bill Pay '' payment to my Insurance company for XXXX ( XXXX ) policies, which Bank of America would not pay on the same date, and which BOA confirmed to me would be DELIVERED on XXXX XXXX and XXXX XXXX respectively. I accepted this arrangement even though this same situation happened six months earlier as well. The XXXX policy was indeed DELIVERED Electronically on XXXX XXXX to the Insurance company. Today, I called BOA as there was no indication that the XXXX policy was paid and was told that on XXXX XXXX a paper check was sent to the insurance company but it had not cleared and my account had not been debited. I firmly suspect that the BOA had sent a " paper check '' by postal mail, knowing full well that it would take several days to reach the insurance company, and in that time frame, the monies in my account were " floating '' for the express usage of BOA, thereby not out of the BOA system. I believe this is disgraceful and probably illegal, since an electronic transfer on XXXX XXXX ( as promised ) would have debited my account and funds would not be able to be used by BOA as it would be out of their system. Multiply this procedure taken by BOA by the XXXX of depositer 's at that bank and the interest gained by BOA is in the XXXX geared to their bottom line. I would not be making thjis complaint save for the fact that these Bill Pays were for Insurance Policies, which if not paid on time would be subject to cancellation of the insurance policies. The CFPB should require ALL Banks that provide " Bill Pay '' services to abide and live up to their promises especially when I have the BOA CONFIRMATION indicating DELIVERY by the respective dates, not SENDING but DELIVERY. Thank you.
XXXX/XXXX/2015XXXX XXXX XXXX XXXX VA XXXXRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX and XXXX and XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from both credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

SS # XXXX XXXX XXXXSS # XXXX XXXX XXXX
Citibank XXXX XXXX ( CBNA ), in conjunction with The Home Depot, treated me unfairly. In XX/XX/XXXX I applied for, and received, credit at the check-out register for a purchase ( about {$350.00} ) in order to get a {$50.00} discount. They got my mailing address wrong, so I never received a bill. ( Despite my ongoing efforts to communicate and negotiate a fair settlement, I still have never received a bill ). I forgot I had applied for this credit, and also forgot the amount due, thinking I had simply added it to an existing credit card. 

XX/XX/XXXX I received a collection call -- my first reminder that I had opened this credit account. I agreed I owed something, gave my correct mailing address, and asked for a statement I could use to negotiate a settlement. I did not believe I should pay for late fees and interest when I never received a bill! To date, I still have n't received a statement. 

XX/XX/XXXX they wrote off my debt, sent me to a collection agency, and dinged my credit report WHILE I HAD ALREADY AGREED TO PAY SOMETHING AND WAS SIMPLY TRYING TO OBTAIN THE INFORMATION NECESSARY TO NEGOTIATE A FAIR SETTLEMENT. I contacted the CBNA/THD ( they still have yet to send me anything by mail or contact me by phone other than the XXXX XX/XX/XXXX call ) and the balance they are trying to collect from me is now up to over {$700.00}! 

These collectors are intentionally stringing me along to grow the interest charges. They prey on people with good credit, thinking they will simply pay the fees to make outstanding balances go away, no matter how unjust. Well I will not stand for it and will fight. I will pay what is fair, but not {$1.00} more!
I have a conventional 30-year loan with US Bank Home Mortgage. I have never been late with a payment. I recently changed insurance providers and paid for the next 12 months in advance to the new insurer. I called US Bank to request that insurance be deducted from my escrow account and to recalculate the escrow to a new ( lower ) amount. 

US Bank sent me a letter saying that I had to pay {$330.00} as an " escrow waiver fee ''. Because I accepted the bank 's discount for the bank to escrow my insurance, I forewent having to pay this fee. The fee is equivalent to an eighth of a percent of my unpaid principal balance. 

Today, XXXX XX/XX/2019, I called the bank back after receiving this letter to complain about this fee. The customer service representative repeatedly said that since I waived the fee at closing, hence the discount, the bank would be reinstating the fee. 

I believe this is an unfair banking practice because the bank is basically saying I have to pay them a fee for them NOT to provide the service of escrowing my home owners insurance and then paying it on my behalf. I am an adult and am capable of paying the insurance company directly, and then providing the bank proof of insurance payment. It's ridiculous that I have to pay the bank a " fee '' ( whether at closing or later during the serving of the loan ), NOT to take an action. This is extortion : " Pay me to not provide a service ''.
My collections account with XXXX XXXX XXXX , XXXX, is incorrectly showing as an open charge-off with a {$0.00} balance, and it is paid in full. I submitted a credit dispute via XXXX, and the information has still not been correctly updated.
Complaint ID : XXXX The aforementioned Complaint with EQUIFAX is not resolved. Per the FTCA, any derogatory item that can not be verified ; verified means, the original furnisher of information ( not a third party, XXXX, etc. ) i.e. credit card company, student loan lender, mortgage company, or court of record for legal matters. EQUIFAX, upon request must send where and whom the reported information originated to prove this reported information is not only valid but also, verified. 

If the information disputed, is still " unverified '' as defined by the FTCA, procedures for reporting. The disputed information must be investigated, verified as outlined via the FTCA and IF a disputed item can not prove valid, the item, deleted from the credit file.

The original complaint to the CFBP recorded, XX/XX/2018, went unfulfilled. Since filing a formal complaint with the CFPB, EQUIFAX sent letters, titled-notification of dispute, investigation results, and finally, an explanation for the results, with a catch-all summary and consumer rights jargon printed on the trailing pages of the letters mailed. 

EQUIFAX 's generic mass produced letters, a waste of time and nothing more. Per the FTCA, the item ( s ) of dispute should no longer appear on EQUIFAX 's credit file, yet remain. I request all disputed items be deleted per the FTCA procedures for reporting.
I pulled my credit report a couple of weeks ago. I saw a debt that was being handled by Account Recovery Services representing the Creditor XXXX XXXX.I called ARS on Monday XXXX XXXX and was told XXXX XXXX was handling my account and he wont be in until Thursday XXXX XXXX. I asked to speak with someone else and they said I am not allowed to speak with anyone else. They transferred me to his voicemail and I left a message. I called XXXX on Thursday and I was told I owed a debt to XXXX. I asked what are my options and if he has any papers showing the cause of the debt. XXXX replied he can get that information for me by reaching out to creditor. He also said I can negotiate the debt. I said how much? He said it doesnt work that way. I would have to say a number and then he will take that to the creditor ( XXXX ) and then would let me now if they accept. We ended the call with the next steps of getting why and what i 'm being charged and what XXXX would accept. On Monday XXXX XXXX I received a letter from ACR/XXXX showing me a ledger of fees broken down that I do not agree with. I asked him if he talked to XXXX about negotiating and he said I would have to talk with them directly to negotiate. I said why since you own the debt? XXXX replied that is " an urban myth '' that 80 % of collection companies do not own the debt. I said o.k. who do I call? He replied XXXX @ XXXX XXXX XXXX. I said who is XXXX? He said he works for XXXX. I said if he negotiates do I pay him or you? He said pay XXXX. ( I feel this is weird ) I ask XXXX to send me a letter stating this is what he wants me to do and he stated " I am not going to do that ; I am being difficult ; this call is being recorded ; and if you do n't want to do it I suggest you let it stay on your credit report until XXXX when it will drop ''! My mouth dropped open. I called XXXX on Monday XXXX XXXX and left a message. No response. I called XXXX on XXXX XXXX and no response. No voicemail to greet you just rings and goes to voicemail. When I XXXX XXXX 's number the BBB has it registered at a REALTY company. XXXX got sold a couple years back and the new ownership did not take their debt. Who is XXXX??? Why ca n't I negotiate this debt? Why is ARS not telling me or giving me the accurate information to the creditor? Please help me as this is hurting my credit and no one is helping. Also this debt was incurred for 1 months rent for about {$800.00} and they want {$3900.00}. Debt happened in XXXX/XXXX/XXXX did n't go on credit until XXXX/XXXX/XXXX. I called State attorney generals office and talked to XXXX who said she did not know the statute of limitations. I called the FTC reference # XXXX and they said call CFPB. I just received a phone call from XXXX. Same number that is in XXXX 's e-mail. It is XXXX XXXX XXXX. XXXX ( the controller ) was the representative I talked to and said XXXX was in charge. She asked me what I would be willing to settle and I told her XXXX was all I could afford because I only owed 1 month of rent and I am not working. Her next step was to call XXXX and to let me know hopefully by tomorrow if he can accept and update credit report through ARS.
I recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XX/XX/XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into XXXX XXXX inquiry to determine who requested this credit inquiry.
On my credit report it shows I have late payments, when you check those payments you can see they are not late they are on time.
I have me the requirements of the Homeowners Protection Act and my current LTV of my house is less than 78 %. I have informed the Mortgage holding company ( Cardinal Financial Company Limited Liability Company ) of this fact and the code requiring them to drop the PMI and they have denied my repeated request.
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They have told me that I must pay for an appraisal before they will drop the PMI. I have informed them that I am not required to submit a new appraisal based on the same section the code. It is listed under 12 US code section 49.
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I need help in getting this situation resolved.
On  XXXX  I revived a letter from c apital one fr om a   XXXX   XXXX   therating me for closing of my account because of my behavior but no where on 'this letter they say they violated my civil rights an d American with disabilities act law.w  ow I 'm in  real shock can you please get me to the president or Vice President of c apital one and tha t 's all I would like to talk to about all these issues.
I am writing about a wire transfer fraud issue that occurred to me several months ago. I am reporting it now because the fraud was with my accounts at Wells Fargo and it is clear that Wells Fargo has several internal issues. The fraud was characterized by first a small " testing '' wire transfer followed a few days later by a large wire transfer of several XXXX dollars. I notified Wells Fargo of this fraud upon my realization ( a few weeks after it occurred ) and they immediately addressed the situation though the process included opening new accounts and closing the old ones over a period of a few months. The closing of the compromised accounts was done very slowly with WF telling me they could only accomplish the closures at the beginning of the next month. I was shocked that a wire transfer fraud could occur! It was clear to me that this was an " inside job ''. I had, a few months earlier, wired money from my account to complete the closing of a large mortgage for a home purchase. It was clear that the information from my mortgage had been used to commit the fraud. There was a name ( no doubt another fake account ) on the wire transfer. The whole process took quite some time to resolve. I believe that other than the massive inconvenience and the time that I had to dedicate to resolve the issue I did not have any additional financial costs. Again, I am writing this because it is further evidence of significant internal problems at WF. Wire Fraud is not simply " opening new accounts to meet a sales goal ''.