WillisBack/dataset-financial-user-claim huggingface dataset:
I used XXXX Chase Ink convenient checks for {$2000.00} each ( {$4000.00} ) to pay off other credit cards balances. They suggested this in a promotion that Chase Ink sent me. It had a upfront fee of {$40.00} for each check ( {$80.00} ). 

Starting XXXX I sent in checks to pay off this promotional {$4000.00} plus they were taking out auto payments on top of me sending in the extra money to pay off the promotional {$4000.00}. 

I wanted the extra checks I sent in to go to the Promotional {$4000.00} and the auto payments to go to my card regular balance. 

The total of checks i sent since XXXX for the promotional 0 % interest was {$2300.00}. 

As of today XXXX they say I still have a promotional balance of {$3400.00} after I sent them {$2300.00} in checks. 

Also remember I had auto payments being paid to my regular balance on this Chase Ink card. As of XXXX I paid auto payments of {$1900.00}. 

Chase Ink says they can not apply the extra checks I sent to the promotional balance, the {$2300.00}, because of rules and regulations. what are these?? 

My concern is that, they charged me a fee up front to use the checks, {$80.00}. Now they are NOT letting me pay off the balance of these checks because of rules and regulations?? 

AND to top it off ... in XXXX they start charging me interest on the {$4000.00} that they will not let me pay it off the way I want to pay it off. 

So to sum it up ... they charge me a fee to use the checks, {$80.00} and Chase Ink WO N'T let me pay off the promotional 0 % and in XXXX I start paying interest on a balance they wo n't let me pay off. 

In the end I will have paid a fee and then interest on top of that fee. That is NOT a promotional XXXX % interest offer!
XXXX XXXX XXXX is reporting collection accounts on my credit report when they are not authorized by having a collection agency bond in the state of NJ. I have contacted the NJ Secretary of State and  was told that there is no bond on file for XXXX XXXX XXXX. They also told me that XXXX XXXX XXXX XXXX, which is the parent company of XXXX has 2 bonds that expired on XX/XX/2018. NJ state law statutes ( N.J.S.A. 45:18 et seq. ) dictates that no person can operate a collection agency, collection bureau or collection office or engage in the business of collecting or receiving payment for others of any account, bill, or other indebtedness without having a sufficient bond on file with the Secretary of State. With this newfound information I demand that all accounts being reported to my credit be deleted IMMEDIATELY as XXXX is completely breaking NJ state law and has been doing so since XX/XX/XXXX when I disputed these accounts. 

They are reporting 9 accounts that should all be deleted. Account Numbers are below. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
I obtained my 3 credit reports and noticed several collection accounts. I contacted the creditors and the 3 credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 for validation of debts. The collectors XXXX and XXXX XXXX XXXX never provided a signed contract or other proof of validation as requested. The CRA 's continue to report as verified, although they clearly did not physically verify these errors. I want these erroneous items removed from my credit according to the rules of the Fair Credit Reporting Act and the Fair Debt Collections Reporting Act. I have spent a lot of money on certified letters and stamps to have this corrected, to no avail. I have also had to deal with XXXX  placing an unauthorized fraud alert on my credit report and sending the same request to TransUnion and XXXX. After my last letter, my XXXX scored dropped 38 points with no apparent reason. I suspect they are being punitive because I keep sending requests for verification as allowed by law. The CRA 's should not be allowed to arbitrarily report errors on people 's reports. I also contacted XXXX XXXX and XXXX XXXX XXXX directly by mail twice, with no validation from either. 
Please help me. Thank you.
I have been a victim of identity theft 2 years ago. I am disputing this account with credit management this should have never been reported to my credit reports. XXXX XXXX XXXX XXXX. This account is under my ss # but a females name? How did this happened? Where is the I.D .? Why do the credit bureaus need 30 days for something that's not legit .Please remove asap. XXXX XXXXXXXX / XXXX XXXX was paid with creditor XXXX XXXXXXXX on XX/XX/2018 Please update and remove. XXXX and XXXX have fraudulent inquiries that were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX ( XXXX, alabama ) XXXX XXXX XXXX XXXX XXXX XXXX ( alabama ) XXXX XXXX XXXX XXXX XXXX
I applied for a car and it was approved but the car payment was {$800.00} a month. So, I never took possession of the car, or drove it off the car lot. I contacted them back and told them that I did not want the car. Well, they never told the finance company, and the finance sent them a check. So with that being said I received a bill from the loan company. The bill stated : Total Amount Due XXXX Account Number XXXX Due DateXX/XX/2081 CXXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX
On XX/XX/XXXX, I engaged XXXX to dispute on my behalf, the reporting of incorrect information of a short sale by Nationstar on my 3 credit reports. All 3 reports contain incorrect information regarding the dates of when the mortgage was opened ( some say XX/XX/XXXX, some say XX/XX/XXXX ) and dates closed as well ( some say XX/XX/XXXX, some XX/XX/XXXX ) in addition to various other incorrect listings. They went through the first round of disputes starting in XX/XX/XXXX and gave the agencies 45 days to verify. Nothing changed. We then went through a second round of disputes beginning in XX/XX/XXXX and nothing was changed. In XX/XX/XXXX, XXXX produced validation demands to Nationstar to send me the signed contracts, statements and detailed billing that was used to report the information to the credit agencies. They have failed to do so. They were then sent a non-compliance notification in XX/XX/XXXX and no response was received. Now, according to the Fair Credit Billing Act, this information should legally be removed entirely from my credit reports as some are incorrect and they have failed to send any supporting documentation.
No debt validation, no chance to verify debt, showed up on my credit report, did not receive bills.
Caine & Weiner Company, Inc has falsely stated in response to a complaint # XXXX filed with the Better Business Bureau that correspondence was sent to my address in XXXX XXXX, XXXX XXXX and XXXX XXXX. Correspondence received ( see attached ) were only two pages, none of which outlined details from the creditor records that included policy start and cancellation dates, last payment dates and amount paid and the remaining balance due on the policy prior to cancellation.
This company does not have a surety bond in the state of Texas to collect this debt. Therefore, they are in violation of this state 's law, which is Sec 392.101 of the Texas Finance Code. I filed a formal complaint with the TX AG 's office.

I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
Navient refuses to send me actual paperwork showing what was borrowed verse what was paid. The co-signor on the loan has paid majority of the loan. I offered to set up payment plan for anything I still owed and they refused. They demanded it to be paid in full. They sent me the first page of a promissory note which had amounts scratched out and different schools receiving money vs. requesting money. They are very rude and offered no help to resolve the debt other than demanding payment in full. I am in the process of finishing my degree, and I am a single mom and this account is keeping me from being able to get a home to purchase or rent.
On  XXXX   XXXX ,   XXXX  ,  Portfolio Recovery Associates,   LLC made a settlement offer to settle a debt. The original creditor was   XXXX   XXXX   XXXX   XXXX   and the credit card debt balance was {$5200.00}.  Portfolio Recovery Associates, LLC , the debt collection agency on behalf of   XXXX   XXXX   made an offer in writing and mailed it to me offering a savings plan that I could mak e 1 P ayment of {$4200.00} and SAVE {$1000.00}. Your account will be considered Settled in Full after your final payment is successfully posted. Your first payment must be received NO LATER than :  XXXX / XXXX /  XXXX   I mailed a check to  Portfolio Recovery Associates, LLC  for the amount of {$4200.00} along with the settlement offer and my agreement to their settlement terms. My settlement terms were that the debt for the account would be considered settled in full like they offered and there would be no future collection of the debt.     I mailed the check and agreement to their settlement terms by USPS priority and it was delivered to an individual on  XXXX   XXXX ,   XXXX  . That same day  Portfolio Recovery Associates, LLC  cashed the check. In  XXXX ,   XXXX   I observed on my credit report that there was a collection balance for the amount of {$1000.00} and the collecting agency was  Portfolio Recovery Associates, LLC . I disputed this telling my credit reporting agencies that this debt was settled and paid.  Portfolio Recovery Associates, LLC  also disputed that I owed this debt while fraudulently withholding information from the credit reporting agencies that they had offered to settle my debt. Instead, they shared credit card statements from   XXXX   XXXX    stating this debt was mine. I do not disagree this credit card debt was mine. However,  Portfolio Recovery Associates, LLC  made a settlement offer and is not closing collection accounts as settled in full on my credit report when I agreed to their terms and made a payment in the full amount requested in the time frame requested. They are illegally reporting false information on my credit report to all three credit bureaus,  XXXX ,  XXXX , and  XXXX .     I have attached copies of their written settlement offer to me, a copy of the check I sent to them, a copy of my agreement to their settlement offer, a copy of the USPS Priority shipping label, a copy of the delivery notice, a copy from my bank showing they cashed the check, a copy of their dispute, and a copy of original credit card statement.
I have a fraudulent charge that American Express has yet to take off. It is from XXXX XXXX XXXX for {$8100.00}. This charge is not mine. I will NOT pay for it.
Chase Bank- Mobile App and Telephone automated services providing incorrect account information on account balances and transactions. <P/>OnXX/XX/XXXX, I made two transaction of {$2000.00} and {$500.00} for a deposit on a new car with my debit card. The transaction posted to account immediately and funds were withdrawal. <P/>XX/XX/XXXX -The two transaction of {$2000.00} and {$500.00} were still posted on my account. <P/>XX/XX/XXXX -The two transaction of {$2000.00} and {$500.00} were still posted on my account. <P/>On morning of XX/XX/XXXX, I check my account and two transaction was no longer posted to my account. There were no pending transaction for {$2000.00} or {$500.00}. My account balance went back up to {$2600.00} +/-. I called the car dealership and they stated they would contact their bank. For safety purposes, I transferred the money XX/XX/XXXX to my other account. <P/>XX/XX/XXXX, I checked my account again and those two transaction were not posted to my account. <P/>XX/XX/XXXX, I checked my account again and those two transaction were not posted to my account. <P/>XX/XX/XXXX, I checked account it is overdrawn! So I went ahead and transferred the money to cover the overdraft. The two transactions that disappeared finally posted 4 business days after the transaction date. <P/>I called the Chase customer service and went through the automated telephone banking. Their automated telephone service stated my account balance was $ 1160.00+/- when on their app stated it had $ -2200.00+/-. I finally got to a customer service representative and I explained to her what had happened. She continue to apologize for the confusion as if I was insane!! <P/>I asked her if those two transactions was posted to my account? Why was I still able to transfer {$2000.00} on XX/XX/XXXX from my check account if the money was not available? Chase online banking will not allow you to transfer funds between two account and overdraw your account. Also how was I able to withdrawal {$60.00} from the ATM on XX/XX/XXXX if my account was negative? Why would chase approve multiple debit transaction when my account is only able to go {$400.00} in the negative before transaction are decline? My account was overdrawn by {$2200.00}! It does n't add up. Their customer service representative would not help me or reverse the overdraft fees! She kept on saying I apologize for the confusion. <P/>Chase Bank is Frauding their customer!!!
XXXX XXXX XXXX XXXX is showing i owe them {$1500.00}. this account is not my account. I have Ask XXXX to provide the sign contract agreement that i supposed to sign. They wasnt able to provide proof of contract. I need this accound removed from my credit account. 

Date XX/XX/2014 XX/XX/2014
Rocket Mort gage (   XXXX   XXXX   ) s ent me an offer to refinance my home loan.   I accepted and everything moved along quite quickly and was approved. Then home loan interest rates jumped up, and than began to stall the process. Finally they fabricated a problem where I owned a property in Kentucky a place I have n't even been to in 37 years.   After delaying another week they admitted that it was an " error ''. Then they brought up other " issues '' about things that were clear from the first day. This allowed them to delay the process until the " lock '' had expired. Rocket mortgage just utilizes fraud as a means.
During the year of XXXX my husband was diagnosed with XXXX XXXX which caused a severe hardship for our family and disrupted our financial stability.I requested a loan modification last year during litigation, and on XXXX XXXX, XXXX with Well Fargo lenders. On XXXX XXXX, I received a denial letter based on my household income. 
On XXXX XXXX, XXXX, I called Wells Fargo to request a re-entry of a loan modification based on the additional information that had yet to be considered for loan modification and the appeal process. I was told that a Hard Stop was placed on my loan because I was denied XXXX request for a loan modification and that my loan is too far past due, and that the only option I have is a short sale or deed in lieu. Well Fargo never informed me in writing of my loan having a Hard Stop status. I would like to know when was this crucial status placed on my loan, and how come I was not professionally informed? Whereas, I could have gotten proper representation.
On XXXX XXXX, 2016 I sent a request for a Security Freeze that listed my name, social security number and date of birth along with my Drivers License, Social Security XXXX, Police report and proof of my address. Per the certified mailing receipt it was signed by TransUnion on XXXX XXXX, 2016. I have yet to receive any confirmation that the security freeze has been placed.
I 've previously sent a request to your company to investigate several inquiries that I believe to be incorrect on my credit report. You are required by law to complete these investigations within 30 days of receipt. I have heard of companies pulling people credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation have recently found on my credit report the presence of several inquiries as entries separated from their corresponding accounts. These inquiries duplicate inaccurately the information in my report, and reflect an incomplete and inaccurate processing of information in my file. The inquiry entries should be deleted, or at least merged into the accounts to which they belong. I have sent letter to Equifax and each of the companies.
I have been a customer with Wells Fargo for nearly 20 years -- we have our checking, savings, credit card and mortgage accounts with them. In XXXX I called Wells Fargo XXXX Customer Service and asked them if there would be any issue depositing a check from a XXXX bank ( in XXXX XXXX ) into my Wells Fargo checking account. I was told that there would be no issue as long as the check was taken inside a branch and the deposit was made with a teller. Based on this information, I requested the check from the company in XXXX and paid for it to be send via XXXX to me. Upon receipt of the XXXX XXXX check ( approximately {$1200.00} USD ) on XXXX XXXX, I went to my local bank branch and was able to deposit the check without any problem after the service manager gave her approval on the back of the check. The funds remained in my checking account until XXXX XXXX when after checking my account online, I found that the funds had been removed from my account and the check was returned to me along with a letter explaining that it was Wells Fargo 's policy since XXXX 2014 to not accept checks from XXXX banks for immediate deposit. The letter explained that it had to go through a collections process to recover the funds which could take between 4-10 weeks. To ensure that I had not heard the XXXX customer service representative incorrectly, I called them again and asked the same question -- I was told the same answer : there would be no issue as long as the check was taken inside a branch and the deposit was made with a teller. At no point was I told that it was Wells Fargo 's policy to not accept foreign checks for immediate deposit and at no point did they point out that the check would have to go through a multi-week collections process before the funds would be deposited into my account. Unfortunately, after repeated calls to the Branch Service Manager and the Branch Manager, they were not willing to fix the mistake that they had made. At no point did I bounce any checks or overdraw my account, but as a long-term loyal customer of Wells Fargo, I am not being treated fairly.
I have asked this XXXX XXXX to stop harassing me, and she continues. She continues to call my work also. I asked her not to on XXXX XXXX 2015 and she called again on XXXX XXXX, 2015. I explained I can not speak to her while working and I do n't wish to speak to her at all. I was trying to ask her who she was and why she was calling and all she would do is continue to ask me personal questions! Why would I give her information when I do n't know who she is????
XXXX has me locked out of their online dispute system to upload supporting documents to my complaint. On XX/XX/2018 I received an alert detecting there were changes in XX/XX/2018 from a certain banking provider. Navy Federal CU removed a good standing account and reported derogatory information left unresolved by Navy FCU fraud team in Virginia. 

I received another alert on XX/XX/2018 that my name was updated. I contacted XXXX and the call was routed outside of the United States to a Country whereas English is not their primary language in which the individual could not comprehend my dispute regarding other items I noticed decreasing my score without reading from a script. 

XXXX has me locked out of their online dispute system to upload supporting documents to my complaint. My credit score decreased 63 points.
Trident Asset Management Company  has a debt for {$8000.00}, account number  XXXX  which was removed from my  XXXX  credit report because it was an unsubstantiated debt. I am trying to buy a home and this company will not remove the debt from my other  XXXX  bureaus even though it does not belong to me and this is prohibiting me from moving forward in the home buying process. I do not owe this debt,   XXXX   verified this and had it removed in  2015 . Can you please assist me.
Our mortgage was sold to XXXX Mortgage servicing. We sold our old home.The first week of XXXX I contacted them to " recast '' my mortgage. I placed many calls, and was given an astonishing amount of bad information, no action was done, and they would not return my calls. 

Finally, after realizing they would not communicate or cooperate with me, I decided to simply pay off the mortgage. 

I have paid off mortgages, so getting the payoff amount is a simple process. I paid the principal because they would not give me a payoff amount. They will not give me any interest not covered, or any information about my escrow account. 

We are now in the XXXX month of trying to take care of business. This neglect would not happen if they were trying to do a legitimate business. A real business solves problems, and takes care of basic processes. 

I therefore suspect that they do things they way they are doing because it obviously suits their interest. 

This makes me suspect fraudulent business practice. I can think of no other explanation.
Hard credit inquiry issued against me and my wife without authorization. Equifax ( unlike Transunion ), has refused to remove hard credit inquiry thus negatively impacting both of our credit scores. 

I 'm going to keep submitting these complaints here and to the XXXX until the hard credit inquiry is removed from both of our accounts.