WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a credit account with The Swiss Colony for years. I only really use it at XXXX time to send XXXX gifts to friends and family. I get catalogs from them all the time and right in the front of the catalog is a page that tells you what your credit limit is and what the payment will be if you charge that much. My current credit limit is {$1200.00}. I have not used any of it as I paid the card off earlier in the year. I have never charged more then a couple hundred bucks on it ever in any case. I decided to use it again this year to order 4 products to send to my husband 's family. I placed the order on XXXX and sent it off as I have done every year for years. I assumed my order would be processed and sent out as it has always been. I checked on the order around the XXXX and found out that they had decided that my credit limit was reached and that I needed to send it a check for the full amount of the order which was around {$150.00} - and they did n't even tell me until I called in. I have many problems with this. In the first place it says right in their catalog and also on the My Account page on their online store that I have {$1200.00} of credit. There was no notice of any problems or turning down the order until I called in. Magically several days after that I did receive a letter telling me that they would not honor the order and that I needed to pay the amount of the order in order to have it sent out. It was too late for me to reorder anything else and so I just told them to cancel the order. I have written a letter to them including the credit info but also told them I would report them to your agency. 

I do not think it is right when a customer has been a good customer for years and has paid their bills and paid the account off, only to find that you have been cut off with notice before you place an important XXXX order. I do not like their non-loyalty of a customer or their lackadaisical attitude of notifying a customer of what is happening when you assume that things are happening and that gifts you have ordered will be taken care of as they always had been when previously ordering from this same company. I do n't think it is right to tell a person they have {$1200.00} of credit only to change that at the eleventh hour and not make sure that give that person time to reorder or make a decision regarding that order.
Hello my name is XXXX XXXX XXXX, I recently opened an account with Amex and I set up a direct deposit from my XXXX XXXX for it to be renewed at the start at every month. 

Then my best friend and his boyfriend moved in together and as a housewarming gift I gave them {$1800.00} on the card. He logged in the information to the XXXX XXXX Account but accidentally put in my nickname of XXXX instead of XXXX, or left out the middle initial. Anyway, the card blocked itself. 

After waiting collectively an hour trying to contact a real person to unblock it I got transferred to a call center in their XXXX, Arizona office. Once I let it slip out my mouth it was a housewarming/engagement present for a XXXX couple she said she had a bad connection despite calling me from a landline and I had to call back later, she said I refused to answer questions and I said I agreed to answer every question I was just giving context, she refused and said I called the wrong department but could she please transfer me to another colleague? She refused. I hung up. 

Twenty minutes later I called back on the other number and I was connected to the same lady. But this time it was her assistant, I was told after that she left for the day. By then I was infuriated I asked to be transfered to another person and if her personal life is clouding her professional judgement she shouldve transferred me when I asked. They tried to get me to talk to her again but I refused and said I would contact HR. 

Every email I tried to send and call I make goes unanswered to their head office. I even contacted the government agency and they wouldnt to do anything. 

This happened on the XX/XX/2018 I just want my card unblocked. I will cancel it on the next bill cycle its too much grief and I have wasted three days and five hours of my life. 

If you would help me with this I would be very grateful. 

Thanks XXXX XXXX
I paid off My XXXX XXXX XXXX last with regional acceptance corporation. So my account should said paid in full not repo
MULTIPLE daily calls, living on Social Security and shared diagnosis of XXXX XXXX. Between medical bills and struggling to live they continue to not offer any options AND call me an absurd number of times everyday.
I was contacted by XXXX that a hard inquiry was on my credit report from Kohl 's. I found that odd because I've had a Kohl 's card for many years. I looked it up & saw that it said " a lender requested a copy of your credit report for a home retail loan. Every time you apply for credit, a " hard inquiry '' is placed on your credit report and it may stay on your report for 25 months. '' This is listed as coming from KOHLS/XXXX. A few weeks back I did apply for a credit increase online but it was immediately declined so I know credit was pulled then. 
I called Kohl 's today & asked about my credit being pulled today. They admitted it was but never told me why. They said they couldn't remove the inquiry & I'd have to talk to the credit bureau about that. I'm trying to rebuild my credit, I even told them that & that they were the ones that had to take care of the inquiry, not the credit bureau. They said they couldn't do anything about it. I had to talk to the credit bureau. I ended that call with no answers about why that inquiry was done and why they refused to remove it.
Was contacted numerous times last week sometimes back to back from unknown number. When i ask who they were was advise they got my number from my previous supervisor XXXX XXXX they continued to call so i decided to answer. Spoke with a rep name XXXX we entered a payment arrangement even though i told her i was unable to make payments because i am in the active foreclosure process for my home. She was persistent and i wanted to stop the calls so i agreed to the terms but i spoke with my housing counselor and was advise until i reach a agreement with a loan modification i could not add any extra bills so i called today on XX/XX/18 to cancel my agreement with XXXXXXXX XXXX and finance incorporated where i was verbally abused and she hung up on me because i asked to cancel my payment arrangement i ask for a supervisor and he was not much help either restating that they can not help me in the future i explained over and over i would have to cross that bridge once i am able to pay and they still threatened me.
National Credit Adjusters is trying to collect {$680.00} when this is not the original amount of the loan. Opened XX/XX/17
Back in XXXX 2015, Fraudulent charges showed up on a credit card I have not used in a while. I contacted Capital One to state the fraud charges have occurred. The representative took my statement after a few times of calling and it was investigated. the findings came back, was a fraud charge funds were taken off the account. At the time I called in, I closed the account to keep fraud charges from occurring. However there is a insurance on the account from when I opened it years ago and I was charged on the account which has caused late charges to occur. I had an online chat with XXXX who informed me I needed to call the insurance department, however they are only open XXXX to XXXX Monday through Friday. I work from XXXX XXXX when I leave home until XXXX XXXX at which time they are closed. I XXXX 2015 I paid {$120.00} from a renewal of the credit card and late charges. I do not used this card and have not cause it is a very high interest rate. I paid this cause no one would help at Capital One. I have attached statements starting from XXXX 2015 till XXXX 2015. Customer Service is not a priority in Capital One Company. The amount due now is {$110.00} and I would like these charges taken off the account and all accounts with Capital One closed. Also I need for a Cease and Desist on th e account. I do not want any phone calls from Capital One.
AD ASTRA RECOVERY SERVICES received certified mail from me on Friday XXXX XXXX, 2017 of notice to validate debt and to provide an original wet ink contract stating I owe debt.
On XXXX XXXX, 2017, I contacted XXXX XXXX XXXX through email to get clarification on why I did not receive my security deposit or any correspondents within 30 days of vacating the unit.
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XXXX XXXX XXXX responded on XXXX XXXX, 2017, that they kept my security deposit, along with charging me an additional XXXX dollars for the alleged damage to the unit. I wrote a letter disputing those charges the same day. Approximately, 1.5 weeks later, they send me a letter with those same charges I disputed.
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I called the corporate office of XXXX XXXX XXXX to get clarification on the charges. A representative send me over to the collections department, who indicated my file was with a collection agency by the name of All State Bureau. I asked the representative, how are they collecting on a debt that was disputed, without a judgment? She told me to contact the collection agency to dispute the charges.
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It appears that XXXX XXXX XXXX violated Michigan law. According to Act 348 of 1972 554.613 Action for damages ; retention of security deposit ; waiver.
Sec. 13.
( 1 ) Within 45 days after termination of the occupancy and not thereafter the landlord may commence an action in a court of competent jurisdiction for a money judgment for damages which he has claimed or in lieu thereof return the balance of the security deposit held by him to the tenant or any amount mutually agreed upon in writing by the parties. A landlord shall not be entitled to retain any portion of a security deposit for damages claimed unless he has first obtained a money judgment for the disputed amount or filed with the court satisfactory proof of an inability to obtain service on the tenant.
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This process was not followed.
Equifax refuses to delete an account in violation of a court order. The court ordered XXXX to remove the trade line from my account and make no further reporting, XXXX continues to report and Equifax continues to accept this reporting for monies that I never owed XXXX. This account should be deleted from my report. It has already cost me thousands of dollars.
XX/XX/XXXX - re quested report from Transunion after viewing score which was  XXXX  points lower than other scores.   * requested to correct name and aka- * removed an address that was not mine * disputed closed account which was sold to another company- school loan Result- They said they corrected but after receiving report  XXXX  it was the same *corrected address-removed * dispute not resolved  XXXX  - asked to make the necessary changes & disputes because this was harming my credit   XX/XX/XXXX -  changes still not completed and the disputes are on the report as * consumer disputes this item- this is harmful in itself. I thought it is to be resolved or removed 45 days. Called and complained still no change.     It is now   XXXX   looking at my report and the very same issues are there. I called  XXXX   XXXX ,   XXXX   to dispute and CS stated all the credit reporting agencies has their rules, Transunion rules are set and we can not change the scores even if we have the same files as other companies.     I have tried over 4 years to get this corrected and compliant which is fair to me and just.
XX/XX/XXXX2017 I submitted a wire transfer to satisfy my loans in full. It went through XXXX XXXX XXXX which immediately funds the credits in the same business day. As it is customary for the XXXX XXXX XXXX  to provide real-time gross settlement. XXXX XXXX XXXX uses a system that enable its participants to initiate funds transfers that are immediate, final, and irrevocable once processed. 

NOTE : I kept a eye on my account during the four- five day processing time it took to verify my credits were available. It was a weekend that 's supposedly why it was longer than usual. So on Tuesday of this week I reviewed my dashboard and found that every thing was verified and correctly updated. Student loan paid in full. As it should read. 

Two days later they reversed it and refused my payment. saying that my information was incorrect. So i called and spoke with a representative that informed me that they did indeed receive the credits from the sending bank, but had to refuse because my routing number was incorrect. I know this is false because as stated above, the wire is instantaneous. 

https : //www.federalreserve.govXXXX If you take someone to court over a {$100.00} dispute because the person who owed you paid you the equivalent in jelly beans ; its pretty much your choice to accept or refuse payment. The thing is that you were reciprocated with a offer, yet refused. 

Debt discharged. 
So. Since they
To whom this may concern, I am in a bit of a unique situation that has severely limited my access to financial services and I am writing this complaint in hopes that a solution can be reached. 

By way of background, here is the problem : I am currently located in XXXX but receive physical checks from my freelancing work. These physical checks are delivered to my US address, XXXX XXXX XXXX, XXXX XXXX, California, XXXX because international mail is both expensive and inconsistent. While I previously had these checks sent to directly to my US bank account, my bank decided, for unknown reasons to close my bank account. As a result, I have been unable to cash about 6 months worth of checks and have been having significant financial troubles. While I could resolve this situation by traveling back to the US and opening up another bank account I am prohibited from doing so because of the associated cost. Despite having over one thousand dollars in soon-to-be stale checks in the US, I am unable to access any of the monies from those checks. 

I am writing this complaint in hopes that Chase Bank will provide me with a detailed response on how I can get those checks cashed and gain access to the monies. Thus far I have tried : 1. ) Giving my mother, who is receiving the checks at my former US address, a Durable Power Of Attorney. The bank refused to honor this Power Of Attorney despite it being fully signed and executed. The bank states that I must have the Power Of Attorney notarized, however, XXXX is not a signatory to the XXXX and thus is not allowed to do international notarization. At the same time, the US Consulate provides notarization services but traveling to and from the US Consulate and paying the notarization fee is beyond my financial means. 
2. ) Other means such as sending the checks to XXXX, signing the checks, then sending them back to the US and then having my mother deposit the now endorsed check. It works but because of the shipping times involved, some of the checks become stale dated and expired, thus limiting my ability to gain access to my funds. On top of this, the additional shipping costs are unreasonable for small dollar checks. 

In review of the California Statutes regarding notarization as listed here : XXXX, I would like to inquire if the bank with allow a signed power of attorney with XXXX witness signatures, in accord with Section 4122. Please promptly advise and I will have a Power Of Attorney signed with XXXX signatures made available to the bank for review. 

Finally, in review of the CFPB guidance regarding POAs and similar options listed here : XXXX and XXXX, I would like the bank to explain if there is any other method, option, or service that could allow me, or a family member acting on my behalf to cash the checks. 

You may call me at XXXX XXXX XXXX XXXX or contact me directly at XXXXXXXXXXXX Sincerely Yours , XXXX XXXX XXXX
There are XXXX closed accounts for Student Loans on my credit report from Wells Fargo that I did not open.This happened in 2010.
On XXXX/XXXX/16 I accessed Chase website to check status of my mortgage payments. I noticed corporate fees accessed on my statement dated XXXX/XXXX/16 and XXXX/XXXX/16. My loan is currently due for XXXX/XXXX/16. Chase is in violation of Respa Act and FDCPA Act. I need to know what are the fees for. I have attached a copy of the statement reflecting these fees accessed on my account. 
Your help in resolving this matter would be appreciated. 

XXXX XXXX XXXXXXXXXXXX XXXX
Transunion without my knowledge and consent removed or deleted my XXXX ( XXXX ) account from my credit report that was in good standing. This has hurt my Average Age and credit history length. That account # XXXX i did not give permission for Transunion to do this change. I also called about this several months ago, That account # XXXX needs to be placed back on my report. Transunion has been mixing up my credit file with others, deleting accurate things that shouldn't be deleted, adding names and addresses to my account that doesn't belong to me, providing me with inaccurate information when i call, then when i ask to speak with a supervisor the employee hangs up. 

i'm asking for this XXXX ( XXXX  ) account # XXXX to be re added back to my account, i did not dispute this account or delete it. This account was in good standing.
When I received this loan, I knew that I would get some money to pay it right off the next week and was given a payoff amount after emailing to ask what it may be. I was given three different amounts first it was {$870.00}, the second one was XXXX and the third one was XXXX. These amounts for payoff were all given within three weeks. The loan was for {$750.00}. I have put a stop payment after calling to pay off but was given the run around which didn't allow me to pay off the amount. I would like for them to stop contacting me since they are trying to make me pay more interest by not allowing me to pay them off when I first called to do so. Awful company.
In XX/XX/XXXX of 2017 Portfolio Recovery added a collection to my credit report for a bill for XXXX XXXX. I sent them a written request to validate this debt. They removed this account from my credit report, and then later added it back without proof of validation and notification they were adding it back. Someone from this company told me if I do n't pay they will take me to court again.
In XX/XX/XXXX, i called Chase bank ( XXXX card ) to see if they 'd lower my interest rate from XXXX % to something reasonable so I could pay it off. The account was already closed due to default. I told them I was having trouble paying the balance off and I was in jeopardy of losing my job. They refused to do anything. Fast forward to XX/XX/XXXX, I 've now lost my job and I paid off my balance in full ( I went online to Chase and it said my balance was {$10000.00} ). Today, I went online to Chase, and I see an interest fee of {$160.00} posted on XX/XX/XXXX. I called Chase, spoke with a woman named XXXX ( I believe I heard that name ), and told her that is n't right ... I paid my balance in full, I should n't get another fee, billed a week after I paid off my balance. She said its correct, she refused to waive it, and I 'm not inclined to pay it. I 'd understand if I paid after the statement closing date but that was n't the case. I paid the statement balance prior to the closing date. 

Frankly, I 'm mad and I feel that this is the treatment women get. This is n't right, it 's bad business, I paid them a lot of money, a lot of fees, and they should eat their phony interest fee. 

Am I wrong? Is there anything you can do to help me? I am so tired of feeling taken advantage of. 

Thank you. 

Sincerely, XXXX
XXXX of XXXX a mortgage broker and countrywide sold me a fraudulent loan prior to closing the broker explained the terms of the loan wold be 7.25 % interest and would adjust to 8.25 % later after closing I found out that the loan adjusted every 6 months to 14.75 % interest in XXXX of XXXX my house went into foreclosure do to the adjusting interest rate that I could not keep up with.
Current loans are thru navient and they are all outstandintg. Over past couple years it appears that my interest rate has triple and made it hard for me to ever repay and on top of that it is really effecting my credit.
I purchased XXXX ( XXXX ) items on XXXX and paid for them with my XXXX XXXX XXXX. About an hour later I received XXXX ( XXXX ) e-mails saying that each purchase had been rejected by the CC issuer. I called XXXX for an explanation. I was told all they knew was that the charges had been rejected and they connected me to Synchrony Bank personnel. Synchrony Bank told me that my account had been CLOSED. When I asked why, I was told I had not used the card in a while. When I asked why I was not notified about the pending closure, the agent was silent. I was told the account could not be reopened, but that I could apply again for a card. I asked for a supervisor and was told none were working now and to call back in the morning. When I called back in the morning, I was greeted by a computer and asked several questions. The computer then told me that my account balance was XXXX. Apparently the computer knows that I have an account! When I finally got to an agent, I was told supervisors do n't work on Sundays and to call back Monday morning. 
In all the credit card agreements I have reviewed, not XXXX contained a requirement to purchase a good or service within a specific time period. While they list several reasons to terminate an account, failure to charge something on the account is not XXXX of them. Additionally, the agreements require that the cardholder be notified of a pending adverse action. As such, my account should NOT have been closed and I should not have suffered the indignity of having a purchase refused.
I have a big issue on a medical collection on my credit that I have no idea what it is. Knowing that I am a XXXX and I have wonderful health insurance, I have no idea how I can owe a debt to this company for {$690.00}. They claim on my credit this debt is from XXXX XXXX. I am not aware of any medical bill I did not pay. On XXXX XXXX, XXXX, I send Escallate LLC a debt validation letter requesting more information related to this debt. To date I have not received any proof from them that I owe this debt. I disputed this collection with the Credit Reporting Agencies in XXXX XXXX but even after Escallate LLC did not send me proof, they told the Credit Reporting Agencies that I owe this? If I did owe this debt, my insurance company would have paid and I would not have been responsible for this.