WillisBack/dataset-financial-user-claim huggingface dataset:
I was having problems with my Chase credit cards on XXXX of the cards the Slate card they closed my account without me knowing it saying I owed {$8.00}. I went into the Chase branch and talked to the branch manager to try and figure out what 's going on with the money owed on my slate card this was XX/XX/XXXX he contacted the credit card division and found out that the card was closed. I was never informed in writing or any other matter telling me that they have clothes that credit card for missing one payment of {$8.00}. I was so upset I turned over my Chase Slate card my Chase Southwest Airlines card and Chase Freedom Card to the branch manager and said I want all of these accounts closed and they all had a XXXX balance except the Slate card which I paid right there in a spot out of my checking account. In XX/XX/XXXX I received the Chase Southwest Airlines new card in my name and my dead mother 's name when I called Chase I recorded the call and a customer service representative said XXXX my mother was added to the account XX/XX/XXXX the only thing is my mother died XX/XX/XXXX now Chase is ruining my credit by reporting false statements to the credit bureaus saying I owe 200 something dollars on The Chase Southwest card but yet no churches that ever been made since I close the account I believe that chase added my dead mother to the account because they did n't know she was dead at the time but I did my credit score went from XXXX down to XXXX by Chase reporting all these missed late payments that are false and not factual I wrote them many letters I even emailed the executive office regarding this matter about the fall stuff in so many opening up a card in my dead mother 's name when I close the accounts and turned over my cards to the branch manager they should n't never opened up another card in my name without my authorization which I never did authorize so they 're reporting false statements and ruining my credit in my good name and I think they should pay after I told him to correct those false statements to the credit bureaus on more in three occasions and they have yet to fix it. My credit limit on the Southwest Airlines card at the time it was closed was {$4500.00} not all day in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX in XX/XX/XXXX they have reported to the credit bureaus that the credit limit is {$500.00} which is completely false if you need proof I have the credit card in my dead mother 's name I asked them who added her to the account in 2016 and they never got back to me because I told him the Press full criminal charges on the person who added her to my account and they did n't do anything. See the attached documents it shows number of cards issued XXXX. Then look at the credit card in my dead mother 's name is expires XX/XX/XXXX and I receive these cards XX/XX/XXXX when the account was closed by me and XX/XX/XXXX when I turned over all my cards to the branch manager and told him to close all accounts just so happens to be the same month that chase added my dead mother to my closed account interesting.
Financial Asset Management Systems ( FAMS ) is attempting to extort money from me. FAMS and XXXX were supposed to send me a settlement agreement in the mail which I never received. The settlement amount was {$10000.00}. Now FAMS is trying to extort more money from me by asking for {$15000.00} when I never received the settlement agreement for the {$10000.00}. FAMS is claiming that I did not accept the {$10000.00} settlement amount in a timely manner. This is lie, and a flagrant violation of the Fair Debt Collections Practices Act. I was supposed to receive a settlement agreement in the mail which I never received. I 'm willing to settle the debt for {$7500.00}. FAMS is trying to extort more money from me, and are flagrantly lying about not accepting a settlement amount in a timely manner. I never received anything in the mail. FAMS and XXXX did not attach document to the previous CFPB including the settlement agreement. FAMS is engaging in deceptive and coercive debt collection tactics in flagrant violation of the Fair Debt Collections Practices Act.
Chase has a hold on my equity cash from their loan.I 've done everything asked by Chase-but they have very poor customer service and the hold remains for no apparent reason.No one from Chase will help.
( incorrect issue type, could not find appropriate heading ) I paid off previous loan # XXXX on www.speedycash.com with a one time payment by debit card. I was unaware that this action would automatically save my debit card to the account for future use. Therefore when i renewed the loan, the debit card, in addition to my banking infowas listed in the loan documents. The loan documents indicate a saved debit card will be processed " early in the morning '' on the due date. Although I feel this is not a good practice being all financial institutions do not post direct deposits at the same time, my issue is that the website only allows you to change, not delete the debit card information. This is with a valid ACH bank authorization in place. The loan documents indicate the ACH can be canceled per customer request, but nothing is stated for debit cards.
The collection agency AIH Receivables Inc in XXXX, KS did not provide me with the following information that was requested twice : A copy of the last billing statement sent to me by the original creditor. 

The amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 

If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Tell me when the creditor claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account. 

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 
XXXXOr Details about their company and who they are : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

I have asked for this information twice and they are only sending me an itemized statement from the original creditor and a sheet where I agreed to pay for all charges. 

However, I do not know who these people are and would appreciate it if they would just provide me the information I requested with twice. Once I can compare that with my records then I will feel more comfortable with paying the amount.
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I had an Auto Loan with XXXX XXXX that is paid off but showing a balance. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX showing the balance is " XXXX ''. I like to address the issue with you concerning Equifax reporting tactics on my credit report. This is not a frivolous dispute and the word dispute needs to be removed off my credit report because this is a legitimate case and I will be providing the letter from XXXX XXXX. So, that Equifax can change the balance owed to XXXX and take the word dispute off my credit report.
This XXXX XXXX account # XXXX is Paid-in-Full and Closed. However, XXXX CRA and Experian CRA continue to incorrectly report as Open.
I am one of the 142+ million Victims of Equifax 's botched/lax security standards. I have been waiting a week for them to send the email which will allow me to complete my enrollment in their offered " Protection '' Plan - called them today and call center simply states over and over that they are overloaded and to wait.
WAIT until someone steals my identity and ruins my hard earned Credit Score? WAIT until I pay multiple  other reporting agencies to freeze my credit? WAIT while their executives sell more stock and/or retire? Equifax knew of this breach for over a month, have still not notified me in writing, and have had plenty of time to staff-up to handle the fall-out. In the mean time, I 'm and 140+ million others are at risk of having a life ruined with identity theft!
DO SOMETHING to protect the public!!
I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX   has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XXXX  of XX/XX/XXXXthey would report all four student loans as an immediate 90-days late, then 120-days late for two months, then back to paid on time. Then once again starting in XXXX  of XX/XX/XXXXthey would report all loans as 90-days late, all the way up to 180-days late, then a paid on time rating. Now starting in XXXX  XX/XX/XXXX they once again report all loans as 90-days late up to 120-days late, then back to paid on time. At no time is there ever a 30-days late or 60-days late. XXXX XXXX XXXX is destroying my credit history, even though I make my payments on time every month. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, XXXX of Massachusetts next. I need my payment history fixed immediately!!!
My score was XXXX then turned to XXXX sudenly XXXX month ago and I pay my bills in time
# XXXXRise CreditXXXX XXXX XXXX XXXX, TX XXXX My name is XXXX XXXX and I need help in dealing with Rise Credit. I am a single mother who is living 138 % below the poverty level. I have had my share of credit problems and have owed more than I make for quite some time. 
I was misled by Rise Credit to believe that they were unlike other predatory loan companies. By the time I understood what I had sighed, I had paid them thousands of dollars in interest. I have recently become temporarily unemployed and called them to ask for help during my time of financial hardship. They refused any solution and my account is headed to collections now. 
In the last sixty days I have paid over XXXX dollars in interest and the total paid is far over the amount I initially borrowed from Rise. The interest is around XXXX percent. This is robbery and all of the necessities I have for myself and my children are suffering because of it. If I were to steal from someone like Rise has stolen from me it would be considered robbery. 
How is it that they can do this? I am asking for help for not only my family, but for all of the families targeted by these predatory loans meant to target those living in poverty and struggling to live paycheck to paycheck. 
Thank you so much for any assistance.
Hello.

I noticed an ungodly amount of credit inquires on my account I DID NOT AUTHORIZE in XX/XX/XXXX after pulling my report, I contacted this credit agency and let them know I had not authorized them and have clearly been a victim of identity theft ( or attempted ). I was told " sorry we don't dispute/delete hard inquires " these inquires are false and fraudulent. Some one has clearly been using my information without my permission and it's STILL HAPPENING, they are still running my credit. This reporting agency has showed me, as the consumer mean nothing. These inquires are hendering me from even obtaining a new bank account because of to many inquires!

I'm asking for your help and am pleading with this agency to delete them. I've listed the incorrect ones below.

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX- Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry fromXX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX
They keep repeatedly dinging my credit reports with false info. It is my son 's debt. They change the dates and for 3 years in a row keeps getting put back into my credit reports in  XXXX  with a new date of service.
i had a XXXX account with Wells Fargo thru my employer, XXXX that i was not able to transfer until i turned XXXX or until i had not been with the employer for 5 years. 
Upon turning XXXX on XX/XX/XXXX2017, i called and aske to have the funds rolled over to my bank, XXXX.I asked to have the funds wired directly but they told me they could not do that and i had to wait for a check.I reluctantly agreed. 
The funds were to be sent directly to my bank.I got a letter at my home on the XXXX saying the funds were sent.When nothing was received at my bank by the XXXX, my bank and i conference called Wells Fargo and asked where the funds were.They informed me that a check was sent on XX/XX/XXXX to my bank.We told them that the letter never arrived.They said i had to wait until Friday to do a stop payment on the check and have the funds resent.I called them today, friday XX/XX/XXXX and asked to have the funds resent.They insisted they wanted to mail the funds and i requested they be wired and they said no. 
i then asked to have the money overnighted and they would not do that. 
i rwquested a supervisor and that person agreed to overnight the funds after the stop payment was processed which would be Tuesday. 
Meanwhile i have not had benefit of use of these funds for all that time. 
i really believe that the check was never mailed and this is just a delaying tactic for the bank to hold onto this money as long as they can. 
The amount was not enormous,XXXX, but not insignificant to me. 
have you had other complaints about Wells Fargo using this stall/delay tactic to hold onto the money of customers trying to withdraw IRA or other funds from this institution? 
if so, i want to add my name to the list of people that are unhappy about this situation. 
Why is it that bank want to do everything electronically, including cashing my checks and immediately transferring funds out of my checking account, yet when it comes time for me to get money from my account i have to wait for the Postal System to deliver My funds and then suspiciously, the funds do not arrive??? 
This is completely unfair to the consumer. 
I do Not trust Wells Fargo regarding anything they do any more. 

Also, i feel it is unfair if a Company terminates my employment to have a regulation saying that matching funds can not be withdrawn from an IRA account until i am XXXX or 5 years from Termination.If i quit the company, i canunderstand this rule, but if i am let go, this conditon should be waived or not apply.I have waited two and a half years to access these funds and i still do not have them. 

Not happy!!
I am writing to file a formal complaint with Ocwen regarding incorrect and misleading information I was given by Ocwens employee XXXX ( rep ID XXXX ) regarding Ocwens Federally Declared Disaster ( FDD ) area assistance program. 
I am requesting that Ocwen fully research the call I had with XXXX ( rep ID XXXX ) who said she was working from XXXX, Iowa, on XXXX XXXX, 2017 around XXXX XXXX EST. XXXX is the agent who suggested the disaster area assistance program to me. XXXX said there would be no costs for participating in the disaster area assistance program and that there would be no adverse credit reporting would occur during the FDD program period. She never mentioned that the FDD program was a forbearance program and that it would be reported to the credit reporting bureaus as such. So, either XXXX was misinformed, gave me misleading information, or Ocwen acted inappropriately by reporting late payments during the FDD program period. In either case, I acted upon the information provided by XXXX and hence, Ocwen. I have suffered damages as a result. My credit rating has been hurt by falling over 12 points since the FDD program began. I have even been denied credit as a result of a negative credit experience reported by another creditor which can only be attributed to Ocwen.
In XXXX, 2014, I disputed a number of accounts for my husband and myself against my Equifax credit report. I also provided documentation to support my request. I received a notice that the dispute was received form the bureau. However, the items remain on my and my spouses report with no change. 

Since XXXX, 2014, I have submitted online disputes to no avail.
I was victim of identity fraud in XX/XX/2016 and have been dealing with companies to remove in accurate information ever since. One company in particular Experian is horrible to deal with. Just to talk to someone you have to buy a credit monitoring service for XXXX ( privacy guard ) a month that will transfer a call through to an Experian rep. This is an awful business practice. I signed up for Experian service but they try and send promotions and they also have a fee for parts of their service which I think would be a huge conflict of interest, since they are promoting credits cards but are not making it easy to clean up errors on ones credit. 

I have attached a letter from XXXX XXXX that is supposed to delete a account off my credit but they have not done it. I am holding Experian and the Bank accountable and I am demanding they remove the information immediately.
In XX/XX/XXXX I took a 90/10 loan with XXXX XXXX XXXX   ( XXXX  ) on a {$48000.00} purchase where I paid {$48000.00} as 10 % down payment with a principal loan of {$430000.00}.

XX/XX/XXXX my XXXX XXXX XXXX ( XXXX ) loan was current. ( Exhibits 1 and 2 ).

XX/XX/XXXX I made the scheduled monthly payment of {$3300.00} to XXXX. ( Exhibit 3 and Exhibit 4 ) XX/XX/XXXX I also paid XXXX the {$48000.00} against the principal that was required to eliminate PMI. ( Exhibit 3 ) XX/XX/XXXX XXXX   charges {$86.00} for PMI. ( Exhibit 5 ) XX/XX/XXXX I asked that PMI be removed from my account.

XX/XX/XXXX I made the scheduled monthly payment of {$3300.00} to XXXX. ( Exhibit 5 ) XX/XX/XXXX XXXX  sent me a delinquency notice for the XX/XX/XXXX payment. ( Exhibit 6 ) XX/XX/XXXX XXXX   sent a statement showing I owe {$6600.00} on XX/XX/XXXX ( and that my XX/XX/XXXX payment is past due ). ( Exhibit 5 ) XX/XX/XXXX I was again inappropriately charged PMI ( Exhibit 13 ) I have made many contacts with XXXX   attempting to address this issue directly with XXXX. ( Exhibits 7, 8, 9, 10, 11, 12 ). I have more similar messages back and forth with XXXX that simply do not address this issue.

Please help. I am asking that : 1. my account correctly reflect that I made my XX/XX/XXXX and XX/XX/XXXX payments timely ; 2. my account correctly reflect that on XX/XX/XXXX I paid an additional {$48000.00} against principal ; and 3. PMI should no longer be charged and all PMI charges after XX/XX/XXXX should be refunded to me.
I had a car loan out with this company more than a few years ago. I was in an accident and the vehicle was totaled. I had full coverage insurance along with full gap coverage. I am now getting letters saying that I still owe this company money on said vehicle. I have called several times to find out what and why I owe them money. The first few years they where telling me it was unpaid deductable. Which according to the insurance company was not the case. I have recently called trying to get answers to have this resolved and they are now trying to tell me this is for unpaid payments from the time of the total till the claim was paid? I asked them to please show me when and how much the payments where for and to explain why and how much I owe. They are unable to furnish this. All they ca ngive me is a total of what thy say I owe. I want this to be removed. There is no way I can owe them anything. My insurance says it was paid and the gap should have covered the rest! Im at my end with this. Please help.
A collection agency, pretending to be a medical clinic, mailed a bill for {$440.00} two months AFTER my insurance company had already settled the bill. 

There was no date of service stated on the bill There was no type of service stated on the bill The bill was titled " 1st Notice '' to make it look as if it was in collections. 

The company has since admitted that it is a collection agency working on behalf of a medical clinic to collect payment for services. 

I am a senior citizen and if I were not able to contact my insurance carrier, I would have no method of sorting out the details of this billing error.
SHOWS OPEN AND LOAN WAS CONSOLIDATED AND PAID, SHOULD BE CLOSED, AT XXXX BALANCE ON EQUIFAX CREDIT REPORT
See just filed charge against XXXX for same reason - rejected credit by Chase Bank on XX/XX/XXXX, per CFPB Case # XXXX, Reference Number XXXX, XX/XX/XXXX, Chase Bank USA , N.A . and parallel charge XXXX application No. XXXX, XX/XX/XXXX. XXXX and 15 U.S.C. 1693 unclear and individual consumer rights failed to comply.
I am trying to fix my credit reports. In Wisconsin, after 6 years adverse items should be deleted. I settled with XXXX in 2013 and it 's still on there, etc.etc. Experian has NOT followed up in proper manner. While the too big to Fail banks XXXX, XXXX, XXXX have sold to debt buyers, and paid the feds XXXX in fines, these credit bureau 's have not deleted adverse accounts, and, followed individual state statutes. I originally asked, pleaded to take to consumer settlements and have not been responded to.