WillisBack/dataset-financial-user-claim huggingface dataset:
I have been having a problem with Chase in prepaying my mortgage. My loan has never been late. the only thing i do is prepay. I have had the loan for 14 years and just recently been having this problem.. 

I pay directly online thru Chase Website. I have an adjustable ( option arm ) and the Chase payment site gives me a minimum payment and 15 year payment option. i have been paying the 15 year option. The last 3 months it has been continuously misapplied. The system clearly gives me the month due and the payment options. I confirm and receive a confirmation of payment The problem is that when i look at the history to the account it shows as either prepayment or unapplied funds. But in every case it shows still due for the month that i paid. In other words i paid just recently XXXX payment as you will see by the documentation, but when i log back in the last two weeks it is still showing payment due for XXXX. This payment was made on XXXX. I have called 3 times to try and get this rectified. I have also had to call each of the previous months. 

I am told that the interest rate hasn't adjusted so i can't prepay my loan because they don't know how to apply it ... I said..the system gives me the payment available and i pay it and it confirms payment, so what is the problem..apparently the system is wrong ... i told them to then fix their online payment system it feels like i am being prevented from prepaying my loan and I am consistently calling to educate Chase team on how to apply my payment. There is a disconnect between the direct online consumer site and the servicing department and this needs to be rectified ... I have industry background so i know what i am looking at. But i feel for XXXX XXXX Consumer who has no idea as these kind of system glitches and errors could be costing them much many in additional interest. 

I asked to speak to XXXX XXXX but was not granted access.
These people were contacted by me as well as XXXX they had no information also told me this debt was well over 7 years old I am the victim of if theft this is fraud and they said they were disputing it over 60 days ago yet nothing has happened I even mailed them a is theft affidavit they still try to collect fraudulent account money 's
I was being over charged on my loans for years. After finding out i did n't know what. Else to do. Come to find out Navient was the blame. So I 've been trying to find away to pay this back. I 've been unemployed so it 's been very difficult for me. I need help with my next step. Now i ca n't apply for anything else because of it going into default. I went to Itt-tech here in XXXX North Carolina. Just recently. Found out about the situation. I really need help on what to do next because I 'm trying for school Now and having a very difficult time with Navient on my student loans. I dont think it 's right for a company to get over and crush peoples dreams pr careers that they are trying to pursue.. My loans we 're over XXXX dollars and i am lost on the next step that needs to be taken ... ... ... ... ... ... ... ... ... ... ... ... ... ...
In  XXXX  2017, Chase Financial unilaterally closed my Chase Freedom Credit line. They cited the account was being closed due to non-activity. I did not receive any advance notice. The card had no balance at the time. I contacted Chase representatives and they informed me that there was no way to reverse the impending closure of the account. This will affect my " available credit '' and my FICO score. I am beng penalized for being a responsible consumer and not using my credit card.
I opened an account with Citibank. The promotional bonus was for opening a new Checking and savings account with {$15000.00} and I would receive a bonus of {$400.00}. I waited the 60 days then another 90 days for the funds to be credited to my account. I followed all the rules and regulations. I was told the extra 90 days was over on XX/XX/2018. Then I was told they did not know why I did not receive a bonus yet and that they would check. They then told me over the phone and over their online chat support that I would receive it on the XXXX then the XXXX of XXXX. On the XXXX and the XXXX of XXXX a representative told me they would put in an inquiry into what happened with the promotions department. I called on the XXXX and the rep told me she did not know why it was taking so long and that she could not give me an explanation. I have called about 10 times or more and can not get this resolved. I do not know why they are doing this and fear it might be some type of discrimination. 

This is a very deceptive and predatory prate. My money has been in that account now for 6 months receiving a very small interest rate. I could have opened with another bank and received a better interest rate so now I am also missing out while I am waiting. Please assist me in Dealing with CITI Bank they are very unfair and unhelpful. 
Although it was not a requirement I enrolled in paperless e-statements yet they continue to send via mail at times. 

I am afraid they are doing all these things intentionally to avoid paying the bonus.
On XX/XX/XXXX at XXXX, I recieved a phone call from US Bank at my home phone number. The female caller immediatley asked for me or my wife by first name. Once I stated who I was, she advised me that the call may be recorded. I stated that was fine. The caller then stated that she was calling from US Bank in regards to the lease on the XX/XX/XXXX XXXX " XXXX ''. At which point, she stated that the XXXX payment was five days late. I informed the caller that I was aware and that it was an accidental oversight and that I had just made the payment through my bank 's website about XXXX minutes before she had called. The caller then asked if I knew when US Bank would receive the payment. I informed her that the payment usually takes one business day to post. I mistakenly told the caller that since that was the case the payment would most likely be received tomorrow ( Saturday ). The arrogant response I received from the called was " ugh, well tomorrow is Saturday, so that 's not possible ''. To which I responded, Oh. Sorry that 's right, well then Monday I guess. The caller then stated well if we do n't receive the payment by Monday there will be a late fee attached to the account. I told the woman that would not be an issue. The caller then asked me for a reason that the payment was late. I stated that I had already told her that it was an oversight and that the payment was made. She then continued to ask for a reason. I stated, Ma'am, you called my home at XXXX XXXX on XXXX XXXX. This is the XXXX. I have already stated that the payment was made. The woman continued to request a reason. I stated miss please do n't harass me. I already stated that the payment was made. 

This complaint is not so much about the call itself rather than the demeanor and the timing of the call. A company that is based in the United States and has the name US Bank. Should know better than to make collection calls on a day when the entire country is in mourning. A company named US Bank should know better. These bill collectors have no knowledge of who they are calling. Being a XXXX. It 's beyond inappropriate to have bill collectors calling customers who have never missed a payment at this time and date.
Hello, we are working on a short sale where the servicer has made multiple errors and they are refusing to correct the issues and have taken a hard line approach since we brought up the concerns. They are pursuing a foreclosure and a short sale at the same time. 
The mtg was taken out in a trust yet in their system, and on letters sent out they show a different, incorrect mortgagor. 
They required financials from the incorrect mortgagor The XXXX approval letter they issued required no repayment but the new XXXX that was issued a few months later now require repayment of most of the balance, none of this was discussed before they issued the approval letter. When we brought up the concerns about the trust and incorrect names Fifth Third acknowledged this was an error but said " they are not going to waste their time correcting this issue unless the sellers agree to the repayment. '' After we addressed our concerns, fifth third also said our only options were to have a new agreement signed saying that the incorrect mortgagors would accept personal responsibility for the repayment and the trust would not be responsible. XXXX, the negotiator at fifth third refused to correct the errors or address our concerns further with their attorney. Her exacts word were '' if the sellers do not agree to the repayment, we will close the file ''
I turned in my leased vehicle to the dealership , XXXX XXXX, and leased a new vehicle from them. Weeks later, XXXX XXXX stated i owed for damage to the turned in vehicle. Upon request they provided a damage report that was done weeks after I turned in the vehicle after they had driven the vehicle to a different state ( XXXX ). I sent them correspondence and they refuse to confirm receipt of the correspondence I sent and routinely contact me claiming they do n't have a written statement from me ... I will attach 2 letters that have gone unanswered : From : XXXX XXXX To : XXXXXXXXXXXX Cc : XXXXXXXXXXXX Sent : Thursday, XXXX XXXX, XXXX XXXX Subject : Attention XXXX XXXX XXXX XXXX, Per our conversation today, attached is a response to Chrysler Capital 's claim for damage dated XXXX/XXXX/XXXX. 

When XXXX XXXX called me on XXXX/XXXX/XXXX regarding this matter she was " unable '' to tell me if Chrysler Capital had received the letter and " unable '' to provide me with a method of sending her the letter. She stated only " upper management '' would know if a letter was recieved but would not put me in contact with them. 

Additionally , XXXX XXXX gave a copy of the letter to Chrysler Capital 's XXXX XXXX in person. 

I would appreciate confirmation of receipt of the letter. 

Thanks for your call, XXXX XXXX XXXX, XXXX Chrysler Capital XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Lease turn in XXXX XXXX XXXX XXXX Dear Chrysler Capital, On XXXX XXXX, XXXX I obtained a new XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, MI and during the transaction, turned in my XXXX XXXX XXXX in accordance with my lease agreement. The vehicle had no damage and XXXX XXXX took custody of the keys and secured the vehicle on their lot. 

Approx 1 month later I received a bill from Chrysler Capital for {$940.00} with the only explanation being " Excess wear and tear : Body Damage ''. Upon speaking with XXXX from Chrysler Capital on XXXX XXXX, XXXX I requested a detail of the damages and received same on XXXX XXXX, XXXX. 

The damages listed are from a report taken XXXX XXXX, XXXX ( more than 2 weeks after I turned in the vehicle to XXXX XXXX ) at a location in XXXX ( a different state more than XXXX miles from XXXX XXXX ). The report alleges damage that was not present on the vehicle at the time of turn in. 

Your request for excess damage is disputed and has been denied. Any attempt by Chrysler Capital to negatively affect my credit as a result of this un-supported claim will result in legal action for defamation of credit. 

I am currently driving my XXXX XXXX XXXX that I have either leased or owned. Through friends and family referrals, I am aware of numerous other Chrysler Capital former customers who have received what they believe are frivolous and predatory claims of damage to their vehicles from Chrysler Capital. Pending the resolution of this matter I will decide if contacting state and federal agencies regarding your company 's actions are warranted. 

Regards, XXXX XXXX XXXX XXXX XXXX, MI XXXX CC : XXXX XXXX
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CHASE CARD Inquiry Date XX/XX/XXXX2018
I contacted Paypal Credit onXX/XX/XXXX via email to stop contacting me via telephone and to only contact me via USPS mail or email. I also sent a letter via USPS onXX/XX/XXXX requesting the same information. Paypal Credit responded to me onXX/XX/XXXX so I know they received my email however, they continue to contact me via their auto-dialer/telephone calls. Multiple calls occurring per day since XX/XX/XXXX
I am going through a divorce and lost a job due to layoff. I continued to make payments even when I had no job and eventually fell behind early in 2018. I called CapitalOne to inquire about a reduced payment or payment assistance program in or around XX/XX/2018. I was told by their collections department that they can not offer me any payment assistance while the credit card is delinquent. I brought the card current. I'm now physically separated from my wife and my current jobs combined pay less than the job I lost. I called back to CapitalOne today on XX/XX/2018 and was told since my account is not delinquent there is nothing they can do. If I have a problem with making my next payment then they " may possibly waive a late fee ''. I asked the rep for notes regarding my previous calls for help and mysteriously CapitalOne didn't document any discussions regarding my request for payment plan assistance. This company has no interest in assisting their customers who run into financial difficulties and will mislead them into getting the account current for their own corporate benefit.
Emails from Transunion that are unsolicited and attempts to stop them on line fail and attepmt to have Transunion stop them by telephone call I am told they have no control over them and I must do that on line.

As I say the online 'unsubcribe featuer in the email do not do anything but time out.
My student loan provider, Fedloan Servicing, notified me via email on XX/XX/XXXX2017 that I had a message waiting for me in my inbox. I logged on to see a message regarding my student loan plan ( REPAYE ) had changed effective immediately. My new rate of {$1800.00} a month, from a previous monthly rate of {$280.00} would be directly deposited from account the following month. 

There was never any correspondence or notification from the provider that I would need to re-submit required materials to remain on the REPAYE plan. I am now at a loss as I do not know how I will ever be able to afford such a steep increase in a monthly payment.
After countless attempts to rectify the situation incorrect information regarding the payment status and history of a child support account continues to be incorrectly displayed in my credit files. 

First and foremost let me say mother has closed the accounts on her end and the remaining funds owed are questionable regarding the cash aid that was taken while I had full custody of XXXX XXXX. 

Second, But the payment history is inaccurate because as you can see I have made payments through the only income Ive had at the time since I was and am currently XXXX. 

Attached payment receipts from the state of California to the Department of Child support contradicting their records of payment and that Mounts  taking it sometimes have been 10 times what was owed for that month.
Today,  XXXX / XXXX / 17 , I tried to get credit card from  Home Depot, w hi  ch would let me get 10 % on my today 's shopping. My request has been rejected due to low credit score.
My question is : why my credit score is low? I expected it to be a  round  XXXX .
On XX/XX/XXXX my Citibank MC was charged {$730.00} by unknown unauthorized user. This appears as BESTBUYCOMXXXX-BESTBUY MN. Citibank issued a credit of {$730.00} to offset the unauthorized charge.

XXXX   County, Colorado sheriff was able to recover the stolen goods obtained by unauthorized use of my credit card. Copy of the police report is attached. The recovered goods was returned to Best Buy on XX/XX/XXXX. Best Buy issued a refund of {$730.00} against my MC account. When I reported this to Citibank, Citibank removed Best Buy refund from my account under security write off -overrides and at the same time Citibank removed previously issued credit for unauthorized charge. Citibank is now trying to collect a duplicate payment of {$730.00} from me for the unauthorized charge which I refused to pay for the following reasons : 1. Citibank was already reimbursed for the unauthorized charge by the refund from Best Buy ( copy of the Best Buy refund receipt attached ).

2. {$730.00} is unauthorized charge which I did not approve and contractually I am not responsible for.

Meanwhile Citibank added additional interest charges for unpaid unauthorized charge of {$730.00}, resulting in balance of {$750.00} as of XX/XX/XXXX.

I contacted Citibank 4 times in XX/XX/XXXXand sent 2 letters on XX/XX/XXXX and on XX/XX/XXXX to Citibank Customer Service requesting to correct my statements. I have received no replies from Citibank.
On XX/XX/2019, I wrote a check for the amount of {$4000.00} to an individual that banks with Wells Fargo at XXXX XXXX XXXX XXXX in XXXX XXXX, TX. For whatever reason, that individual wanted a different amount than what I wrote him, after he had visited the Wells Fargo branch. So he gave me the check back and I destroyed it. I wrote that individual a check for a different amount. Wells Fargo decided to cash the {$4000.00} check and reverse the transaction from that individual 's account. Upon confirmation by XXXX XXXX that the transaction has been reversed and will be transferred to the issuers ' account on XX/XX/XXXX, I felt assured that the erroneous transaction on behalf of Wells Fargo had been rectified. Today, XX/XX/2019, I still have not seen the funds from Wells Fargo although XXXX XXXX has assured myself and the account holder that the transaction will be reversed. This has nothing to do with the account holder, I have verified in person at the bank that the account holder 's account does not have the funds in their account. Wells Fargo has taken the funds from both myself and the Wells Fargo account holder and is refusing to give them to either one of this. This is theft and must be rectified immediately.
I am not aware of this debt owed. I just received a notice through XXXX  an account was placed in collection. There isn't an account number listed so XXXX will not allow me to dispute the debt. How could an account just be placed from a 3rd party that does not include an account number, does not include of a full name of the agency and without any notice to me.?
I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. 
The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX # XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, oh XXXX
discoverstudentloans.com alleged that I had a sixty day late on a loan on which I am a co-signer. Unfortunately, I was probably that late but not due to any delinquency on my part but due to their not contacting me to let me know I was late. I am trying to have this blemish expunged because it was their fault. They have been unresponsive and have failed to provide documentation about this matter. 
When they got a hold of me I paid and was current with the loan until my son went back to school. 
My contact with them to resolve this was riddled with misinformation, wrong addresses, wrong social security numbers, and the list goes on.
cfbp i would Like to file a complaint on Experian reporting agency On XX/XX/XXXX I sent in via Cerified mail this letter below asking Experian To investigate credit inquires as you Can see in my letter I asked them For details Infomation reguarding the inquires. i got a letter from them On XX/XX/2017 stating that they could'nt remove any of the Inquires! Number 1 They failed to send me any of the information I asked them to send me in order to verify these Fraudulent inquires! I asked that Experian Please send me the Info below or please REMOVE THESE ITEMS ASAP IF YOU ARE ABLE TO VERIFY THE INFO THAT I REQUESTED. 
MOST INPORTANT EXPERIAN IS FAILING TO SEND ME UPDATED CREDIT REPORT AFTER THEY ARE DELTED AND UPDATING MY INFORMATION THAT IN VIOLATION OF THE FCRA THIS IS MY 2ND REQ FOR UPDATED CREDIT REPORTS FROM THIS COMPANY!
I contacted Balance Credit not knowing that they are an illegal entity in the state of Ohio. I have paid over the principal on the loan that I took out with them. They are charging 697 % interest and I refuse to pay anymore since they have received the principal of the loan plus money. I have sent them cease and desist letters and they continue to harass me.
Requested verification of alleged debt/past-due amount. I owe nothing to anyone and have no outstanding debts. I requested in writing some verification of the supposed debt they say I owe. I received no response. I also requested the exact date the collection company says the spurious debt was due. I requested the exact date the collection agency was retained by the supposed creditor.
I made an early payment to my account with Volkswagen Credit on XXXX/XXXX/2015. They had a wrong address on file and I was n't notified of the payment not being processed. I have also had issues with the telephone payment system previously not posting a payment and not allowing me to repeat confirmation numbers. They would not investigate this after numerous attempts to resolve the issue. They stated that they had no record of me calling on XXXX/XXXX/2015 which in response to I asked to send my phone record of having done so. They would not allow me to do so nor would they investigate the issues I had with the billing system.
XXXX  and Transunion are incorrectly reporting a balance due on the XXXX XXXX partial account numbers XXXX and XXXX. This account is over 7 years old. This is a violation of the Fair Credit Reporting Act and this incorrect reporting is hurting my credit score.