WillisBack/dataset-financial-user-claim huggingface dataset:
I have an account with Chase Bank that has been in delinquent status over 7 years ; however, Chase Bank continues to report that the account is still within the 7 year statue of limitation by moving the last delinquent date of the account to keep the account current for collections. I have attempted on many occasions to get Chase Bank to validate their position on this and they have failed to produce any documentation to support their claim. Please investigate ASAP.Creditor Name : CHASE BANK CARDAccount Number : XXXXAccount Open Date : XXXX/XXXX/2008Account Delinquent Date : XXXX/XXXX/2008
I have a collection from National Credit Systems reporting on my XXXX and XXXX credit report. I have disputed this account on several occasions on the grounds that I have no knowledge of the debt and request a full debt validation on this account. I have requested over XXXX debt validations on this account in the last 8 months with no debt validation being received. This is XXXX separate violations through the FDCPA. The first violation being that they are continuing to report negative information on my credit report that is inaccurate and XXXX they are well over their 30 days allowed to send requested proof to myself as a consumer.
E-Mail sent to Discover Bank : Good Evening, Please see chat below. I am very upset. I applied for a credit card with balance transfers of approximately {$8000.00}. I was only approved for {$2500.00} after adding my husband ( copied ) who works for a bank and has a credit score over XXXX and a excellent credit history. We immediately called Discover and asked for an increase to {$8000.00}, so we could still work with you for these balance transfer. We were turned down and told that we have to " prove '' ourselves before asking for an increase. At that time we told the representative that we will not be using this card. We were told quite dismissively " that is fine '' and the call ended. 

A couple weeks later I received notification that a partial balance transfer was conducted by Discover and I am being charged {$71.00} for it. I already took care of my balance transfer with XXXX. So now I have a credit due to me and I need to get that money back ASAP to pay back Discover. I will not pay the {$71.00} because I told your employee that I would not be using this card. 

I attempted to resolve this in the chat below, where I was told that not using the card is different than canceling the balance transfer. When I placed my call immediately after getting the approval amount, I made it clear to your employee that I needed {$8000.00} to do my balance transfer. Once turned down, I said that I would not be using the card and I was dismissed. Instead of your employee 's rude response he should has either asked " do you still want to do a partial balance transfer '' or " if you would like to cancel the balance transfer, then you must do the following ... ''. I am a new customer. How am I supposed to know your policy and procedures five minutes after being approved for a card? I am an XXXX attempting to establish my credit. I would have simply cancelled this card, but I was afraid it would negatively impact my credit score, which is why I told your employee that I would not be using this card. Your employee knows Discover 's policy and procedures, not me, and they should have at least made the attempt to work with me as a new customer. This was my first ever dealing with your company and it was not good, and now things are going downhill even faster. 

I was told on chat that the {$71.00} can not be reversed. So I am being punished for your employee 's inadequate customer service? I would choose to not pay the {$71.00}, but once again I am afraid how it will impact my credit, as an immigrant attempting to establish himself here. So instead, I will make the payment by the due date, if this is not resolved prior. However, I will also send a copy of this message to the CFPB, the XXXX, and any other consumer reporting agencies who may be interested in this story. I will also attempt to contact Discover publicly via XXXX and other social media platforms. As I mentioned to your employee in the chat, I find it very hard to believe that Discover has no way of rectifying this situation. 

Sincerely, XXXX XXXX XXXX
I 'm trying to join the XXXX, during my recruitment process, they did a credit report check on me. They found some information that does n't belong to me. XXXX different accounts from telecommunications services and/or cellphones companies. Please, I need help resolving this issue.
I had made a deposit to the banking institution chase. I was informed that there was no banking error. However the machine hit a snap and did not provide me with a receipt. I had deposited alot of money and the company refused to provide me video of the deposit please assist. Amount in question well over {$600.00} dollars.
XXXX   XXXX  ran a credit check on me without my consent.    XXXX   XXXX    XXXX
Worked with both XXXX XXXX XXXX and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( Equifax, XXXX, and XXXX ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.
XXXX and Experian keep adding XXXX accounts from XXXX, XXXX, XXXX, VA XXXX to my credit file. I have disputed those XXXX accounts numerous times, they have been removed but months later added again. I also contacted XXXX directly requesting detailed information on how they have obtained my personal info and never heard from them. I 've called several times but was told they can not give information over the phone. 
Those XXXX accounts are not mine, nor do I know who XXXX, I never dealt with them, never gave them my personal and private information yet for some reason they have my info and keep submitting to my file. 
I need XXXX and experian to deny their requests of adding this to my file or provide proper information who they are and why they accept information from someone I have no business with.
I was charged interest for the next two months after paying my bill in full 2 days late. 

I paid my bill late in XXXX - admittedly my fault. I paid my XXXX statement in full on XXXX XXXX instead of XXXX XXXX ( 2 days late ). CitiBank charged me ( a ) {$25.00} late fee and ( b ) interest on both my XXXX and XXXX billing statement. I was charged interest in XXXX and XXXX - even though I paid these statements on time and in full. 

Apparently, Citi takes away your grace period and charges interest for the next two months after any late payment. Citi charged me a late payment fee, which I admit was my fault for paying 2 days late. I accept this fact, but note that {$25.00} for a two day late payment is quite a bit. I did not expect nor believe the reasonable consumer understands that if you make a late payment you then lose your grace period for two months - in addition to being charged a late fee. It seems like the late payment penalty should be enough, but then to charge interest and not honor my grace period on statements that I paid in full because of a non-related past late payment where the bank collected a late payment fee is a bit much. 

Who would ever think that in addition to a late payment fee, the bank also accesses another late payment penalty in the form of loss of grace period or interest -- even when the subsequent statements are paid in full. So, in essence the late payment penalty is not merely {$25.00}, but rather {$25.00} plus interest on whatever you charge in the next two months. 
This loss of grace period and additional interest charges while not directly related to my late payment are being accessed as an additional penalty. 

I complained to the bank first, because I believe it is appropriate to give the business a chance to respond prior to filing a complaint with a regulator. The bank did write me back and informed me that I paid 2 days late, so the late fee was appropriately charged. Okay, fair enough. Further, the bank tried to inarticulately explain grace period and interest to me. Its explanation is nonsensical in the context of my complaint about the bank taking my grace period for two months after XXXX late payment - even when those two months ' bills were paid in full and on time! 

How is this practice not the exact thing the Card Act attempted to prevent - e.g. gotcha fees like interest rate resets. This practice seems to be unfair, deceptive, and abusive - in my humble opinion. Consumers understand that if they do n't pay on time, they will be assessed a late fee and interest for the month that was not timely paid, but I do not believe any consumer understands ( whether disclosed or not ) that on top of a late fee, the bank will charge interest on the next two months of charges - regardless of whether you pay those statements in full and on time. Absurdly deceptive! 

I would like the supervision and enforcement office to investigate this practice.
On XXXX XXXX, 2016, IC Systems placed a derogatory report on my credit report for what is described as " XXXX XXXX ''. I was never contacted about this account. I have disputed that this account belongs to me with the credit bureaus. By Law, IC Systems is required to contact me and at my request, provide me with proof of who owns the debt, who owes the debt, what the debt was for and the time frame the debt encompasses. IC Systems has done none of this. In fact, they have violated several FTC rules : 1 ) Every collector must send you a written " validation notice '' telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. I was NEVER contacted ... ... EVER. 2 ) Debt Collectors may not : give false credit information about you to anyone, including a credit reporting company. By reporting to the credit agencies without contacting me and proving/validating the debt, they are providing false information to the credit reporting agencies. 
If the debt is indeed mine, it is over six years which is the Statute of Limitations in Arizona. This also makes the debt noncollectable. What IC Systems is doing is fraudulent and intimidating. Plus, my credit score dropped XXXX points the day their report hit my credit report.
I believe PayPal is a fraud. They do not have accurate reporting on their web site. They they slap you with huge finance charges even when the web site says nothing is due. They blame it on the fact that there are XXXX companies XXXX and PayPal Credit but it is XXXX company. They do not allow any grace period One day nothing is due on their wb site and the next day you are overdue. If you pay that same day by XXXX they say there is no grace period. That is against the rules of the California Consumer Protection ACT but they do n't seem to realize I live in CA. So I stopped paying PayPal and watched the balance double every month. When they finally called one day I told them why I was not paying their charges. They said they would remove all finance charges and late fees but there was still a balance due of {$38.00}. There was no balance due. That payment was purely extortion. My bank XXXX is a large insurance company and they did not want to audit PayPal. If they had requested an audit of the charges they would have realized that it was pure extortion. If you request and audit of that XXXX dollars it would be revealing. There was XXXX balance due. Thanks for all your help. -- XXXX
I was contacted by a female from Meade and Associates on XXXX/XXXX/2015 in regards to a balance owed to XXXX in the amount of {$150.00}. I spoke to a lady who inquired about a payment she stated that agreed to make in XXXX. I never stated a firm payment date with this company and stated that I 'll will make a payment on the website sometime in XXXX. A definite date was never supplied nor confirmed to the company. The female proceeded to insist that I agreed to make a payment on a specific date in XXXX and began arguing with me. During the conversation, she stated that if I do n't make the payment today, I would be sued and would have to go to night court. This company has not provided the proper documentation notifying me of a possible lawsuit if the debt is not paid. I have yet to receive any such notice nor a notice from Meade and Associates of the current balance owed or the alleged payment arrangement. The female stated that I last spoke with them on XXXX/XXXX/2015. It 's now XXXX/XXXX/2015!!! Now, I being threatened with a lawsuit for {$150.00}? The level of hostility the female expressed was unnecessary for the amount of the debt. Especially, when I initiated the contact to learn how I can resolve the debt. If I did n't want to pay off the debt, I never would 've contacted them in the first place in XXXX.
Tried to consign a student loan for my daughter on  XXXX / XXXX /  XXXX   at  XXXX  and I was denied due to   XXXX   Report which said my SS was deceased.       XXXX   informed me t hat Citizens bank is the lender who said I was decided. Spoke to several representatives at citizens bank and it will not be repaired much sooner than 30days. A grievance was filed by the bank employee. This dealing w citizens bank  occurred on  XXXX / XXXX /  XXXX  . I am the only ci- borrower who can coding my daughters loan and there is a  XXXX  dollar late fee!! Tuition was due upon remittance which is now.
The American Express company is communicating very threatening and harassing on Saturdays, Sundays and weekdays. I know I owe money and I'm paying but that type of calls is not acceptable.
CITI Card recd two payments approx {$4500.00} and {$4800.00} back in XXXX of 2018 from a ID theft Citi purposely added the balances to the card instead of deducing them After approx 45 days the payments were reversed for some reason Citi will not furnish any info as to routing nos acct nos etc so I can file police report They have tried to correct the balance but the bal is still showing approx. {$8400.00} and it should be around {$3800.00} In the mean time they are still reporting the bal Fraudulently Citi has agreed that that they have a breach of security and to do further damage they have added the {$4500.00} and the {$4800.00} to the bal again bring the bal now to over {$17000.00} It is obvious that I have not charged anywhere near these amounts to the card I have made all payments as required except the last two XXXX and XXXX due to there lack of concern I have constantly complained to Citi with no response There are some fraud charges to the card that have not been addressed to date
The collection agency IC Systems is attempting to collect a debt from me on behalf of XXXX for unreturned cable equipment. Firstly, XXXX has confirmed that I did return the equipment and owe them nothing. Additionally, XXXX has told me that IC System is no longer an authorized collecter for XXXX, and is in fact harassing XXXX customers.
I made a payment following my XX/XX/XXXX due date however Capital One applied it towards my XX/XX/XXXX-XX/XX/XXXX billing cycle as opposed to correctly crediting my XX/XX/XXXX-XX/XX/XXXX cycle. 
I made a payment for XX/XX/XXXX-XX/XX/XXXX on XX/XX/XXXX. This payment satisfied the amt due for XX/XX/XXXX. I made my next payment on XX/XX/XXXX, however they applied it to the previous cycle and did not correctly apply it towards XXXX. 

At there request I am paperless. At there request, I use there App for my acct management. The App lists the due date, it makes no mention of billing cycles, no information relating to which cycle a payment will be applied. The only information I have on there App 's acct info screen is the due date. I made my payments based on that date. Based on the info they provide the customers on the App, they did not apply my payment correctly, perhaps this is intentional and warrants a UDAAP review as it likely causes many customers to fall behind and allows Capital One to earn revenue generating late charges. 

I attempted to resolve this on XX/XX/XXXX at approximately XXXX. I called the customer service department and spoke with a CS Agent. That agent put me on hold to investigate, they could not explain the posting process. After being on hold for multiple minutes, I asked for an update and received no response. That agent then disconnected from our call and hung up. I believe she knew that she wasn't confident in CapOne 's reason for how they posted. I called back and spoke with XXXX ( XXXX ). She said they " couldn't change the payment ''. I requested she take an internal complaint and advised I'd be contacting the CFPB to complain as well. 

I believe there are potential UDAAP ( App could be deceptive in due dates ), FDCPA ( Acct not updating balance/amt due correctly ), and Reg Z ( payment not applied correctly ) issues.
On XXXX XXXX, 2017 I applied for a credit card through Wells Fargo. My application decision was initially delayed. I eventually received a credit decision by calling the automated application status line and was approved. This decision was made within 48 hours of my application.
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On XXXX XXXX, I noticed through Wells Fargo 's online portal that my new credit account had been closed without prior notification. On XXXX XXXX, I sent a message through the online portal inquiring why my account was marked as closed and was told to call and speak in person with a representative.
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On XXXX XXXX, I called and spoke with one customer service representative to learn more about the situation. Through this interaction, I learned that Wells Fargo 's " executive fraud department '' had flagged my account and closed it. I was then told to wait for a letter in the mail detailing the reason for this closure.
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On XXXX XXXX, I called Wells Fargo again to inquire more about the situation and see how it would be reported to the credit bureaus. I was told that if I still wanted the credit account, I would need to fully apply again. I was also told that this account would still be reported to the credit bureaus as opened for one month, despite the fact that I never used the account and had never even received the card for the account.
On XXXX XXXX 2016 a single authorization was given to Branch Banking and Trust to pull my credit to obtain a personal loan. On that day XXXX inquiries were pulled and XXXX more on XXXX XXXX 2016 without my consent. I contacted the branch manager ( XXXX XXXX ) who stated she submitted 2 disputes on the inquiries for me and I contacted a customer service representative named XXXX who said she had checked into the matter and nothing could be done to remove the inquiries. I have been sent around in circles over this since XX/XX/XXXX with no resolve. I need help from someone to help get these unauthorized inquiries removed from my credit report.
Complaint Details I filled out an application for prequalification on a home mortgage about a month ago. After about 3 days i received a prequalification letter saying i was qualified for a home loan of XXXX with 5 % down. It said that the next step was to find a home and get a contract. So I did.I put XXXX $ down ernest money and XXXX $ for option period then another XXXX $ on home inspection. I then had the realtor send over the contract and was instructed to call USAA to make sure everything was going well. Well I call the number listed on the pre qual and ask for the status and they say it has not been prequalified ... .then why did i get a prequalification letter? They said something might have got messed up so I went through the whole process again with no luck. The denial i got from the second one cited insf funds to close loan yet I had XXXX in USAA buyer was going to pay XXXX plus XXXX ernest and a XXXX gift ... that would be XXXX plus by the time the loan closed i would have had another XXXX. This is besides the point though ... I got a paper saying im prequalified for a loan through USAA yet when i called they said no. So someone made a mistake and it has cost me XXXX in inspections and XXXX in option fees ... that is a {$490.00} error because i received a prequalification from USAA and began the home buying process. Only one person told me exactly what was going on and actually advised me that USAA offers first time home buyers program that would help us out. The first like 6 people should have told me about this program, I clearly told them this would be my fist home. Anyways I am not out {$490.00} and have wasted a month going back and forth with bad services. I have never had issues with any of my other products but to fail so badly and XXXX us over will make me seriously reconsider another product through this company. And I do expect a reimbursement for my losses as if I did not have that prequalification we would have never continued the process and spent that money. I also now have numerous credit pulls because all said and done I went through 4 applications before I got the full story.
Refer to complaint # XXXX The CFPB had sent the complaint to Chase. 
Chase ( XXXX XXXX XXXX XXXX ) as the letter from XXXX in the files indicates, XXXX is now a part of Washington Mutual. Chase ( XXXX XXXX ) is unable to access the records of XXXX until he has verification from the CFPB that PNC MOrtgage is a part of Washington Mutual, who Chase now owns. With this verification from the CFPB, Chase will then be able to access the records of XXXX thru Washington Mutual.
My credit card company was offering a 12 month promotional 0 % balance transfer offer. I applied for an recieved a {$3000.00} balance transfer ; there was a 2 % fee, but there would be no interest on the {$3000.00} for 12 months. 
I continued to use this credit card for purchases. 
I paid off the entire balance of my new purchases However, the credit card number assessed me an interest charge on the entire balance, stating that " you can not pay off only your purchase balance in full each month to avoid interest charges. If any part of the balance is carried forward into the next billing cycle, even at 0 % APR, the entire balance is considered to be a revolving balance ... ''
XXXX 's client XXXX XXXX is a victim of ID theft ; her information was used without her consent to try and establish credit accounts. While the applications submitted were not successful the fraudulent related inquiries were posted to her credit reports. Among this are XXXX XXXX XXXX XXXX XXXX ), where a previous CFBP escalation has already been submitted ( see ref # XXXX ) and Comenity Bank ( XXXX XXXX ). Attempts have been made with these creditors to have these items removed however the creditors have no replied to my client with the results of the dispute as is their obligation under federal law ( FCRA ).