WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a good chase customer for several years, I always made my payments on time and did not use up my credit limits.     Suddenly I got a letter in the mail that due to " the card not being used as intended '' my accounts would be shut down. When I called them about this, they explain it was due to me opening up authorized user accounts to help people with their credit, that is simple untrue. I only opened authorized user cards for family or friends. I explained this to chase but no go, they told me the decision to close my account is final
Citibank made a business decision to close my cash back rewards card. They were supposed to mail me a check of my accrued cash back of {$1400.00}. They never did. I have called four times since XXXX each time I was advised it will take 7-10 business days. Today XX/XX/19 I called they stated the cash back I accumulated was not guaranteed to be sent to me. That was a balance that I accrued and during their decision to close my account which I am still paying a balance for them to send me what I have earned on my account.
I wrote Transunion in XX/XX/XXXX as I have multiple issues on my credit report. I included a current utility bill copy showing name and residence, copies of my social security card, and drivers license. They have not responded to me.
XXXX   XXXX   XXXX ? Chase Bank account # {$4300.00}  XXXX   XXXX   XXXX . We can not make payments to the - BALANCE TRANSFERS - part of this account. We applied for a balance transfer. When the no interest time limit expired we found that there was a balance still due of {$300.00}. We thought we had paid off the balance but some of our extra payments had been applied to the purchases part of the account.     From that time on Chase would not except any payments to the Balance Transfer balance.  In   XXXX   XXXX   XXXX   the balance was {$300.00}.  XXXX , do to the fact they applied all payments to the purchases pa rt of the account the balance is now  XXXX  The interest charged is about {$96.00}. In that time we have made extra payments to the account in the amount of {$690.00}. We have paid on time or before the payment due date, we have made payments at the bank with checks marked pay to Balance Transfer only. We have made checks to Principal only and they just accept them as normal payments.     The interest on the Purchases and  Balance Transfer is the sa me 14.99 %. With there refusal to accept payments on the Balance Transfer part of the account they just keep accruing interest. We do not remember anything being said that they would refuse any extra payments to pay down the balance on the Balance Transfer part of the account.     We have made phone calls to the bank and written letters they refuse to accept the payments to the Balance Transfer. Question, How can we pay the bill? They sent a letter saying that they regret that they can not change there rules.
This is concerning capital one on a fraud that was made to XXXX credit cards with them back in XXXX I was scamed by XXXX people concerning my credit cards a person named XXXX XXXX had made payment on both of my credit cards and had me get the cash and send to XXXX XXXX via XXXX XXXX to XXXX XXXX in a XXXX week period this happened XXXX to the sum of XXXX dollars I had a credit limit of XXXX dollars but now I owe over XXXX the payments made to my cards was withdrawn by the bank that submitted payment but they only put XXXX card in fraud and refuse to put both cards in fraud unless they here from XXXX XXXX to verify that he made payment to the account everything happened at the same time i have tried to get them to work with me on this situation I blame them for allowing me to go over my limit by that much money is just crazy and why did they not make sure payment was secure before releasing cash to me what can I do about this situation.
On XX/XX/XXXX, my husband and I were subjected to predatory lending practices at XXXX XXXX XXXX XXXX in XXXX, Idaho. We agreed to purchase a XXXX XXXX XXXX at this dealer. We had specifically agreed to financing the vehicle through a 60-month contract with $ XXXX/month payment, and a {$5000.00} downpayment. The sales person who had helped us to this point, XXXX XXXX, brought a paper indicating these terms and we signed it. 
Shortly afterward, we were introduced to the finance manager, XXXX XXXX, who would provide the closing documents. He advertised additional insurance coverage ( XXXX XXXX XXXX ) in the amount of $ XXXX/mo, raising our payment to $ XXXX/month. He did not at any time mention this would entail an extension in loan length, as we would not have agreed to such terms. In the final documents XXXX XXXX produced, he extended the duration of the loan to 66 months without consulting with my husband or I. We did not immediately see the change and signed the final documents. The change in loan duration that XXXX XXXX made is a misrepresentation of the cost of the additional insurance package, and I believe it to be a predatory lending practice. 
When I read the loan documents again that same evening, I found the discrepancy in loan duration and emailed XXXX XXXX for an explanation. He never responded to my email. I also asked the sales person, XXXX XXXX, for an explanation but he avoided providing an answer.
I 'd like to raise a concern over the interest being charged on my credit card, BP Visa, a private label card owned by Synchrony Bank. I 've had this card for over 20 years. I have not used the card due to a 13 % variable rate for the past couple of years. However, on a recent statement, I noted the card now has a 27.24 % variable interest rate. I called the company to ask why and for a reduction and I was told the rate is non-negotiable and set at that amount for all BP Visa cardholders. The cardholders credit and history are not factors considered. I will be cancelling the card ( I do n't have a balance ) but I 'd like suggest that this interest rate and the policy border on deceptive practices by Synchrony for those that may have had the card for some time and not noticed the increases over the past few years.
XXXX XXXX XXXX XXXX XXXX   XXXX Equifax shows people as having " your personal information may have been impacted '' regardless of what name or SSN was entered. This hack is either fake or being leveraged by Equifax to get people to sign up for their paid credit monitoring.
Equifax They need to pay for their negligence. My personal information has been compromised. There is no way to tell the extent of the damage. My identity could potentially be stolen for the rest of my life now. Because of this scam we call credit in the USA, Equifax has all of my personal information WITHOUT my consent and now it is in the hands of criminals. How is this legal? I can go on and on about the problems that exist in this situation. But, will anybody care enough to do anything? Hey CFPB, do your job and protect the people! This company deserves bankruptcy, no such thing as too big to fail. If I was personally responsible for such a breach in security, I 'd be rotting in jail, why are n't they?
I have received a phone call from a company called XXXX. They called today and made a threatening phone call that I have a check from 2008 that needs to be paid. Stated that they will turn it in to my sherriff 's dept if I do not resolve it tonight. He also stated that he needs a statement from my attorney to release me?? The gentleman on the phone was no gentleman. He was very rude. Would not let me talk. I asked for detailed information. He stated he does not need to send me detailed information as it was public record. He has my bank information, my ssn, very private information. This is very disturbing.
I have an account with Coinbase containing Bitcoins ( BTC ) currently valued at more than {$100000.00}. Despite a history of transfers of money between my Coinbase account and my bank account on numerous occasions, Coinbase suddenly and erroneously froze my Coinbase account without explanation more than one month ago. I am prevented from selling, buying, transferring or accessing my property and also cutoff from all transaction history and other information.

After repeated prompting via emails and phone calls, Coinbase advised me that I am locked out of my account as a result of a security software error on their end and that they would look into it. That was a month ago. My Coinbase support account will show email after email ( all initiated by me ) attempting to engage Coinbase in basic dialog during this time so that Coinbase might solve this technical error. Similarly, the support records will show numerous calls ( all initiated by me ) to Coinbases phone support. At no time has Coinbase proactively contacted me, followed up or provided any meaningful response or made any attempt to fix the errors in their system in order to provide me with access to my property. Each email and call results in the same thing -- a form response of " we will get back to you. '' Coinbase does not get back to you.

During my most recent call with Coinbase, I was advised that the department that can handle the required technical fix is also the department processing new customer accounts and is very backed up with its new business endeavors. This is obviously ludicrous on its face telling an existing customer that a minor technical issue that is cutting him off from his property can not be timely handled because Coinbase would like to increase its influx of new customers. Any broker or bank or other online service would have dealt with this issue within five minutes during the initial phone inquiry.

I believe Coinbase has engaged in fraud by knowingly marketing a service it knows it can not actually provide. Coinbase markets itself as an online wallet and vault in which to safely store and use your Bitcoins. However, as shown by my situation and hundreds and hundreds of similar complaints from other users, they do not have the actual ability at this point in time to provide their services at a basic, commercially reasonable level. And Coinbase knows this. Coinbase knows it does not have the infrastructure to timely and adequately meet customer needs. They do not have the necessary resources to address even the most basic customer inquiries or to address technical issues arising from their system. Yet Coinbase continues to bring in new customers, which will only exacerbate their inability to provide the services they are selling. As a result of their inability to provide the promised services, Coinbase effectively cuts off consumers form their rightful property and forces risk of loss and lost profits on the consumer.
Compass bank must of altered their sign in webpage because of " years '' of being able to log in, i suddenly was unable to on or about XX/XX/XXXX. I spent a great deal of time trying to reset this and that according to their webpage. I found myself in a futile loop. I then called the number ( s ) and spent a great deal of time going through extensions, hanging up and recalling when i got to dead ends. I found myself in a futile loop. When i finally got a person on the line, i spent more unnecessary time with him. I followed all the instructions and again " we were in a loop ''.

The problem is that the security question page is faulty for the form field options of questions 2 and 3. See pic attached. The compass guy said he would get this fixed and contact me. But I have heard nothing. 

I sent complaint to XXXX banking people and told me to contact the XXXX banking people. The XXXX banking people have not responded to my email. I made some more calls to Compass bank and i ultimately get " beeps '' and no sounds. I have to then hang up. I sent Compass bank an email using a previous email address i got from them regarding another complaint last year or so. But I got no response. I again tried to log in and then recall Compass, and i am getting nowhere and nothing. Compass bank has intentionally kept me away from reviewing and monitoring my account via online, for some reason.
While checking my personal credit report, I noticed an Employers listed as XXXX and XXXX on TransUnion credit report. I have never been employed by these companies. I am requesting that TransUnion immediately remove the unknown names of Employers listed on my credit report. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to correctly identify me in their system.
I have paid off the debt to XXXX and it was sent to collections to Solomon and Solomon pc which was paid off in full. I called XXXX myself the balance is at a XXXX balance. I checked My credit report and noticed a collection agancy names XXXX had the same amount and debt I paid off already last year. I have not revived any comminicstion from them at all. And seen it on my XXXX credit report
I ordered a new card from Discover on XX/XX/XXXX and I got an email that said it would be 7-10 days to receive and I never received it. I called on XX/XX/XXXX to report it and the representative gave the option to reorder the card or cancel the account and restart it ; I chose to restart it, for security reasons, since I hadn't received my card. The representative placed the order for a new card and I confirmed with her and she acknowledged she was sending me out the card I originally ordered, which had an eagle design on it. I was also told i would receive confirmation of the account getting cancelled with 24 hours, which I never received. On XX/XX/XXXX I received 2 different cards in the mail with different account numbers, so I called to inquire about the cards. One of the cards was the original card I was supposed to get and the other was a new card, but not the one that I was told was being sent. I was told by the representative that the previous representative I spoke to had went back into my account on XX/XX/XXXX and placed an order for another card. This was done without my knowledge and was never contacted or informed about another card being ordered. The representative then told me that the first representative should have told me that she was not sending out the card she said she was going to and was going to have to reorder it. He also stated that they can go in and order a card without the customer 's consent. A representative should NEVER access a customer 's account and order cards without their consent.
The company STELLAR RECOVERY INC has sent several emails threatening to have me arrested also to freeze my social security number and benefits as well as inform my boss and family that i owe money.
Experian has not done the required due diligence in collecting valid notarized documents from collection agency XXXX XXXX to assure and prove a claimed debt collection belongs to me and provide accurate information on my credit report. Thus Experian is guilty and libel of defamation towards me by using fraudulent documents to calculate and negatively impact my FICO credit score. Also when I sent Experian personal documents to validate my identity and current address, they shared these with XXXX XXXX without my permission and have thus compromised the security of my identity and put my personal well=being at risk.
In the spring of XXXX, I hit a snag financially. I was a XXXX employee and had a number of clients not pay on time. My car was repossessed in XX/XX/XXXX. I quickly redeemed the repossession. 

For the last 8 years, I have vastly improved my credit health. 

However, Equifax has yet to delete this comment posted by XXXX XXXX. 

I filed my last complaint in XX/XX/XXXX. The Complaint ID is : XXXX. However, I can not review the results of this complaint as I correctly answered my security questions yet was locked out of the account. 

I have tried everything to get this comment removed as permitted by the FCRA. I tried services provided by XXXX XXXX, I have filed personal complaints. 

Others have deleted this information. Equifax has not. 

I am additionally worried that my information was exposed in the Equifax breach thus why I was unable to properly view the complaint I filed.
I terminated my contract with XXXX in XXXX 2013 in my belief that they violated the contract terms. I received a final invoice that included {$100.00} early termination fee. I formally disputed the {$100.00} and sent a check for {$78.00} with a letter outlining the reasons for my dispute. I specifically requested through this letter that should XXXX disagree with my reasoning to contact me by mail and we could work through the dispute. I heard nothing for over a year, and because the check for {$78.00} cleared my account, my assumption was there was no dispute by XXXX. XXXX weeks ago a XXXX salesperson came to my door trying to regain my business. He somewhat convinced me that the XXXX internal culture was changing for the positive, with an improved consumer focus. I started taking steps forward toward reattaining their service based on this representation. When I provided my SSN, the salesperson came back and told me I owed {$100.00}, and that management would not move forward. There were XXXX prongs to my reason for terminating - the local XXXX focused on XXXX, which I disagree with. The same day I was informed of this, I started to receive numerous calls from XXXX collection agency. I have received a letter from the agency as well. I attempted to work towards resolution with this company through their salesperson, but it appears that a local decision was made to hold their ground regarding the {$100.00}. As it was communicated to me the attitude of decision-makers appears to be as arbitrary and spiteful. The local XXXX group appeared to form their opinion, and took immediate negative action against me through the Collection Agency over one year without providing me the benefit of responding to my written letter of a year prior, and leaving me with the impression through their silence, and cleared personal check that no dispute existed. These tactics are clearly unprofessional in my view, and I appreciate if you could assist with having collection ceased with no affect to my credit record. Thank you.
I contacted originally back in year 2015 by Trident Asset Management for a debt from XXXX XXXX. At that time I instructed them that can not be true, because I had successfully returned all the equipment from the company, so there shouldn't be any debt. I even confirmed with XXXX that the equipment was returned and nothing was owed. However since then, I've been sent letters, harassing phone calls and a negative stain placed on my credit history. Such malicious and egregious besmirchment is both unfair and illegal. I would like this to be disputed entirely and removed from my credit report immediately.
I HAVE NO CLUE WHO THIS BANK IS BUT REPORTED AS XXXX ON A FRAUD AUTO LOAN I WANT THE INQURIY REMOVED ALONG WITH STATEMENT TO XXXX XXXX AND XXXX TO SUPRESS ANY INQUIRY THEY HAVE MIXED MY FILE UNDER FALSE NAMES
I deposited about {$3000.00} MO checks to my Capital One 360 checking account over the weekend. Yesterday, XXXX/XXXX/2015, I received an email wanting me to call XXXX and stated if I do n't, Capital One may close my account. I called immediately, waited on the line for over XXXX minutes, listening to music and no one came. Finally, I hung up and called again. Same results. Today, XXXX, I called right at XXXX when they open but still the same results : waiting, listing to the music and no one I was able to talk to. Please help. I need access to my deposited money.
I have several student loans all which are consolidated thru Navient and the Department of Education. I began my schooling career in XX/XX/XXXX and completed 2 XXXX degrees in XX/XX/XXXX, then a XXXX  in XX/XX/XXXX. In XX/XX/XXXX i filed bankruptcy. After about 4 or 5 years i realize that i was not getting and keeping gainful employment and was relying solely on my XXXX check XX/XX/XXXX% of the time for my survival, i wrote the loan companies asking to be dismissed as because i was a person with a XX/XX/XXXXXXXX. The loan companies wrote me back and turned down my application without further ado. Now 12 years later i still have not had any gainful employment to speak of and the loaners are always ringing my phone. This is very disturbing for me emotionally, i spent nights crying about these debts i collected or was allowed to collect, equaling almost XXXX dollars. 
So i just read that there was a suit against these loaners because of other people with similar circumstances as me. So I am submitting a claim in hopes it will be reviewed and some sense can finally be made of this situation.
I filed a complete loan modification packet with Wells Fargo Bank, afterwhich Wells Fargo Bank denied my loan modification request. 
Wells Fargo Bank 's denial letter had factually based errors contained within it. 
So I filed a timely appeal and included additional exhibits A through F ( approx. XXXX pages ). 
Wells Fargo Bank thereafter sent out a notice of receipt of my appeal and that letter also contained factually based errors by stating that my appeal was submitted without additional documentation and that I had a present bankruptcy case. ( none of which was true, see attached appeal and Wells Fargo 's incorrect letters ) Wells Fargo than tool less than three days to deny my appeal and did so without XXXX providing me with the additional documentation that my appeal had requested from Wells Fargo, instead I was told that my loan modification was denied. 
Wells Fargo Bank commits these errors either through gross negligence or intentionally created and Wells Fargo Bank has no intention of conducting a good faith loan modification review. 
Wells Fargo Bank should not be allowed to just deny loan modification applications based on factual errors, and than Wells Fargo Bank should not be the only entity to review their own errors in the borrowers loan modification appeal. 
Wells Fargo Bank literally just goes through the motions in order to appear in compliance with the law, but than does not even bother to read the borrowers documents that they have submitted in support of the loan modification process. 
Than when Wells Fargo Bank denies the loan modification application, they refuse to send you the denial letter by fax, and instead they choose to use the XXXX Mail which always takes approximately XXXX additional days to receive. 
This act alone also cuts into the borrowers time to prepare documents and submit a timely request for review. 
Wells Fargo Bank 's entire loan modification process is a farce and set up to blatantly ignore the borrowers information in order to expedite Wells Fargo Bank 's predetermined denial. 
Wells Fargo Bank continues to violate the CFPB 's rules and regulations.
My house is sold and I'm trying to get a mortgage but because XXXX is reporting my installment loan as a mortgage, they say it's because of the way it's being reported by Service Finance Co, LLC
Recently, I was reviewing my Equifax credit report and noticed that there was incorrect information listed for my XXXX/XXXX account. I tried to file a dispute online, however I was not able to. I also called today and spoke with someone whom I could not understand. I tried explaining that the information posted was incorrect and she hung up on me. On XX/XX/XXXX, it shows the closing date of this account as XX/XX/XXXX however I have amother report from XX/XX/XXXX that shows the closing date as XX/XX/XXXX. This account was removed from my credit report and put back on in XX/XX/XXXX. 

There Is also a XXXXXXXX XXXX  account and a XXXX/XXXX account that are over 10 years old on my Equifax credit report. The Fair Reporting Credit Act states that credit reporting agencies must report correct and updated information. Equifax is changing information as well as reposting outdated information, which is against the law and affects my credit rating negatively.