WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX a holiday purchase while travelling in XXXX was made in the amount of {$420.00} using XXXX Chase VISA. The amount plus applicable interest charges were paid in full via a telephone transaction handled by a Chase Specialist. The next billing cycle, I was charged additional interest & late fees. I called to complain since the payment was paid in full. According to the Chase Specialist, the additional interest would be waived & late fees reversed. The next billing cycle, the late fee reversal posted but the additional interest in the amount of {$6.00} was not waived. In fact, it showed as past due and additional interest in the amount of {$.00} accrued. Once again, I called to complain. This time the Chase Specialist was apologetic and advised that the Agent who processed my payment in full erred. She should have told me that she was unable to provide a Pay in Full Amount since interest is calculated the following day automatically by a computer system. I had enough. I asked whether this fiasco was impacting my credit. She said not at the time but strongly advised that the now {$7.00} be paid immediately. I proceeded to pay. Well, several months later, Chase reported the account XXXX late for {$7.00} to all XXXX repositories negatively impacting my credit. My efforts to amicably resolve this issue with Chase has been to no avail. All of the Chase Specialists state that they agree with my position but do not have the authority to resolve the issue. The matter can only be handled by a Manager in a Special Collections/Credit Section. Each time, different Manager ( s ) state in a defiant tone that the matter is closed and I need to wait 7 years for it to drop off.
I XXXX XXXX have requested and so has my wife for the removal of Discover Card from my personal credit profiles, as I am not a responsible party to the account. My wife is currently in negotiations to settle the Discover Card, and at this time am offer has been made and is being countered. However, I am not a responsible party and any reference to me personally should be removed from all credit bureaus immediately. I have attached faxed correspondences to Discover Bank and no action has been taken. Therefore, I request the Consumer Financial Protection Bureau to help me with this error on behalf of a national bank FDIC insured, and to follow legal protocol.
when my credit card account was closed at XXXX ( a division of XXXX XXXX XXXX ) there was XXXX reward points in my account that they would not let me redeem. I do n't know how they think they can steal reward points that belong to people. the person at XXXX XXXX ( XXXX XXXX XXXX ) that did this is XXXX XXXX XXXX XXXX and her phone number is XXXX please do n't let her get away with this.
Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XXXX 2017 because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XXXX 2018 on my credit card accounts.
RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XXXX and I noticed an unauthorized inquiry had been made. 

I contacted bank of anerica, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
I applied for an XXXX XXXX XXXX credit card and was informed on XX/XX/XXXX that I was approved. The card came, I used it at the post office on XX/XX/XXXX. On XX/XX/XXXX the card was declined. Thinking it was the machinery at the store, not the card, I tried again on XX/XX/XXXX. Again it was declined. On XX/XX/XXXX I called customer service at XXXX and after 55 minutes on hold was told I had to speak with Fraud Prevention. When I finally connected with them I was told they couldn't tell me why the card was declined - and that I needed to send proof of I.D . I snail mailed and emailed copies of my driver 's license and passport. 
I was given an ID : XXXX On XX/XX/XXXX I send them an email asking why I hadn't heard from them. 
My credit rating is XXXX and I have been denied two other credit cards I have applied for. I am sure HSBC is the reason. 
I have put {$56.00} on that card. I don't have access to the card to pay it. They haven't responded to my email or my letter. 
This is the worst, by very far, credit card company I've ever had experience with. 
Please help me find out why I am being denied access to credit cards. Please make HSBC contact me.
Hello, I submitted a dispute via mail to a credit reporting agency regarding a debt that was recently deleted due to time of statutes, being placed back on my report by the original creditor. I verified that the First Reported Date and Date of Status were incorrect and being falsely reported, to include missing payment history that would verify the history of the debt. The debt was an auto loan that was charged-off in XXXX after it was repossessed in XXXX ; there was a past due balance that I was unable to completely payoff due to financial hardships, in which the account was sent to a collection agency, who attempted to collect the debt. The collection agency attempted to collect the debt after the debt had been removed from my report, and indicated in its correspondence on XXXX XXXX, XXXX, " Because of the age of your debt, we will not sue you for it and we will not report it to any credit reporting agency ''. That was the last correspondence received, in which I never replied. When I checked my report in XXXX, I realized the original creditor ( not the collection agency ), placed the debt back on my report. I recently received what is supposed to be the results of my dispute, in which the credit reporting agency indicated changes related to the account are on the report, and can be identified by it being flagged as updated. My report was not changed, there was no flag to indicate the debt reported was updated, and they left everything exactly the way it was. In my dispute letter I requested verification of their investigation if the creditor attempted to indicate the debt was accurate, because I wanted to see what proof of what they supplied to indicate the false dates they were reporting. I also did not receive this from the credit agency. I am seeking for my report to display accurate information in accordance with the fair credit act and statutes of limitation on credit reporting and debt collection. 

Kindest Regards, XXXX XXXX
The debt owed was from my brother who passed away XX/XX/2018 and I told XXXX  XXXX that there was no estate. They told me the situation was closed and that a LETTER would be sent to me stating so but instead I received a bill today XX/XX/18 for my deceased brothers debt in my name. They can say what they want but this is a bill not just a letter like they said on the phone. Now I have to go hire a lawyer to make sure that they did not put it on my credit report like the reviews have said they done to other people. What they sent is clearly not just a letter like they said but a bill with my name listed. I have already made contact with XXXX law firm who is also handling other lawsuits against XXXX XXXX XXXX.
I opened a checking account at 53rd bank and deposited a cashiers check I received for selling some car audio. The check was for {$1900.00}, since I had no idea it was bogus I withdrew {$100.00} and later deposited {$1300.00} in cash. When I asked about the fund availability, it started getting bizarre, talking about almost 2-weeks. This was a new account but I did n't expect such a crazy hold. Well the next thing I know my entire account is on hold and the bank wont even give me the cash back that I deposited! Not only am I out the audio, but I am also going to be late paying my bills, thanks to these heartless XXXX! Like being screwed over by some scam artists were n't enough, now I have no access to my own cash?! I mean seriously ... what the heck kind of people kick other human beings when they 're down!
Equifax knowingly left a security vulnerability on their web site allowing someone to download peoples data that we never gave them authorization to hold. I checked their security site and it said my data was probably stolen. Why ca n't they tell me for certain? Their only offer to help us who were victims of their decision to ignore known security vulnerability is 1 free year of credit monitoring. Except to enroll we have to agree to the use agreement which a ) contains legal terms and statements that I do not understand and b ) part of it says I agree to " arbitration '' and exactly what that means or applies to is unclear. I tried to find further information but they have no clear information available. I have spent hours now trying to find a definite answer and am more confused and very upset. I spent years building my credit to a XXXX FICO just to have a credit agency treat my private information as if it is less important than their bottom line. This choice is clear when they chose not to spend necessary money so they had an adequate level of security. Furthermore, I never gave Equifax authorization to have my data in their possession, other corporations did. Who is now legally liable for the choices made by these " corporations ''. If corporations are people why are n't the " people '' who are these corporations made to answer for breaking laws?! It was one or more individuals who made these choices to favor profit over consumers so this individual ( s ) should be indicted. Who am I supposed to turn to for advice on what I should do? I can not afford expensive financial experts!! Who can I turn to for assistance and questions I may have?
We have multiple accounts with ditech.com. XXXX is set up on auto pay, house XXXX. The other XXXX I had been making by phone. They " overhauled their system '' so that they began charging either {$19.00} or {$10.00} to make a payment by phone and urged us to set up an account on their website. We did that, I made a payment to XXXX account fine, for house XXXX, but apparently the XX/XX/XXXX payment to another account, House H, went to the account already set up on auto pay ( house XXXX ). I was n't aware this happened until it was time to make XXXX 's payment. On XXXX XXXX, 2016 I called ditech and said that I had made the XX/XX/XXXX payment for house XXXX They said that if I faxed proof of payment, the account would be updated immediately. I faxed the proof as they required. Then to follow up, I spoke with XXXX at ext XXXX. He said he " would send the request to maintenance '' and to give him " two days to work the kinks out of the new system ''. He said he worked noon to XXXX, call back then. I called, noon, XXXX, XXXX and XXXX extension went straight to voice mail. I was still trying to make XXXX 's payment which " the system '' would not accept because " the system '' had not yet been told that I made XXXX 's payment. It took many hours to finally reach a tech named XXXX at ex XXXX, who was able to " override the system '' and accept XXXX 's payment. By XXXX I was able to get a confirmation from XXXX for the payment. By XXXX I still had not heard from XXXX, so I escalated to his supervisor, XXXX XXXX XXXX. I was placed on hold, hung up upon, told that XXXX was now available, then placed on hold again but finally was able to speak to XXXX XXXX. XXXX XXXX now tells me that it will take AT LEAST several more days to re-allocate the payment to the correct account for house XXXX, that he " completely understands '' my " frustration '' but makes no apology for the hours I have had to spend on the phone trying to make XXXX 's payment on time and getting a misallocation error corrected. 1. I want my accounts corrected so that they accurately reflect the payments that were intended to be made on them on the day ( s ) the payments were made, including back-dating if necessary. 2. I want a " cease and desist '' order placed on account XXXX until the payment is allocated correctly to that account so that no deleterious files or notes can be written or reported about it. 3. I want Ditech to write a letter explaining what happened and how they will or have corrected the error that I can keep in my files as documentation. 4. I want our credit report to accurately reflect that no payment was ever missed, that all payments were made on-time and in-full, and 5. I want ditech to make sure that " their system '' is fixed so that they correct errors more quickly. 6. I want ditech to provide better communication so that it 's not so difficult and time consuming to correct a mistake. 7. I want ditech to have make sure that every account has it 's own page, so that it is not possible or at least extremely difficult for a payment to be applied to the wrong account erroneously. Thank you
I called to cancel my credit card account and the issuer ( Capital One XXXX ) refuses to refund the unused portion of my annual fee.
I gave them permission to speak to my mother regarding my account ( she is helping me get out of my debt and they asked for her phone number for their files. Well, Friday XX/XX/2018, they called her 10 times! She is not on the account as an authorized user, she is just authorized to discuss the account. I told them she would call them and that they are not call her. The whole time they were calling her, they were also calling my number multiple times. 

They started call her again yesterday morning and before XXXX they had called her 3 times as well as calling myself!
My father died last month, since then I have been getting calls and debt collection letters on accounts that were closed, The collection bureau of the Hudson valley sent me a bill with a larger amount that the credit limit I had. It also showed activity including payment in 2016, I sent them a copy of my bank statement showing I did not pay or charge anything last   XXXX   as my father as in the hospital.
I have a collection from grant mercantile age, account XXXX I have already disputed this account and its not being removed from credit report, I did some research and I found out you violated the hippa law for consumers rights, since your a debt colloctor you shouldn't have my medical records, I already talked to a F.c.r.a attorney who will taking my case to sue. 

we are requesting your delete this account from XXXX, XXXX, XXXX, doctor XXXX XXXX XXXX did not fix my XXXX and wants to charge me. that's crazy
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. It has been over 30 days and they have yet to verify these accounts. According to Section XXXX ( XXXX ) ( A ) of the FCRA, they are required to Promptly delete all information which can not be verified that I have disputed. This includes a list of inquiries that i also did not consent too. Please resolve this manner as soon as possible. Thanks.
My wife and I were at a hotel in South Dakota, and the next morning the phone rang and the caller said they were the front desk and there had been a computer malfunction, and they needed her card number again. SHE gave them the card number, as I walked into room. She told me what I happened and I immediately went to hotel front desk, figuring she had been scammed. We called the credit card company immediately, to report the fraud. and there was {$2800.00} billed to our card already.We received a letter, from Syncrony fraud division, we filled it out and sent it in. We thought that was the end of the issue. Today I received a letter From Synchrony stating the fraud was our fault and now we owe them the {$2800.00}. My understanding is they are not following the law themselves, by trying to get consumer to pay for the fraud
I have been in contact with equifax numerous time about errors on my report. I have done all their steps to get issue resolved however every time i call, i speak with a different person who providers different information.The are a numerous inquiries on my report that was not authorized by me and when i tried to reach the companies they can not locate me either. The companies   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
I filed my Employment Certification Form with XXXX XXXX on XX/XX/XXXX in order to have my payments counted towards PSLF for the last year.

This form was rejected on XX/XX/XXXX with the reason being that I did not provide an employment begin date ( attached ).

I called XXXX on XX/XX/XXXXand spoke to Operator ID XXXX. She explained that she was not a part of the XXXX  PSLF program and had me transferred back into the main que where I waited and spoke to ID XXXX. ID XXXX seemed confused so I requested to be transferred to a supervisor. I received supervisor ( XXXX  calls them an escalation specialist ) ID XXXX. I explained to him that my Employment Certification Form did have a begin date of XX/XX/XXXX but the rejection letter dated XX/XX/XXXX said there was no date on the form. Escalation Specialist acknowledged the mistake of XXXX behalf and said it will take 10 business days to resolve the matter. He also mentioned to me that the reason why my form was rejected was because they have a start date for me of XX/XX/XXXX at my current employer, not XX/XX/XXXX as has been stated on my two latest XXXX forms from XX/XX/XXXX( approved by XXXX  ) and my latest rejected XXXX Form datedXX/XX/XXXX.

I researched the matter and discovered that XXXX XXXX is relying on my Payment Tracker form for my employer start and end dates ( attached ). This is where XXXX XXXX was getting the incorrect XX/XX/XXXXemployment begin date for my current employer. Over the years I have complained about this Payment Tracker form because it gives incorrect employment begin and end dates. For example, I left one employer on XX/XX/XXXX notXX/XX/XXXX as this form states. I brought my concern up to XXXX XXXX and I was advised that these employment beginning and end dates are determined when my form is approved by the Official who signs them and/or when they are received by XXXX XXXX, thus making them not actual employment begin and end dates. I have expressed a concern that these dates would be relied on in future transactions. Now the brain trust at XXXX XXXX is relying on these incorrect dates and it is holding up the approval of my payment certification.

OnXX/XX/XXXX I XXXX  ID XXXX and explained the situation above. He was not understanding the matter. I was told to wait two weeks. In a nutshell, it is my opinion that XXXX XXXX is too lazy and/or incompetent to actually research this problem. Their workers are not knowledgeable nor do they care enough to fix this problem. I am constantly finding errors on their part at almost every communication I have with them. If my experience above is any indicator, waiting two weeks is an exercise in futility.
I have a checking account at Wells Fargo bank which is currently negative. It has been so at various times in the past, and I always have brought it positive. It is at " the bank 's discretion '' whether or not to cover a charge when balance is negative. Being that a very important ACH withdrawal was due of {$220.00} from California Tax board, I called Wells Fargo Bank to see if they were going to cover it, as I saw the transaction listed as pending. I did make a deposit at the same time which did not make my balance positive, but brought it {$260.00} less negative. The representative I spoke with at XXXX EST XX/XX/XXXX ASSURED me - let me make that clear -- he ASSURED me that the payment would POST TODAY XX/XX/XXXX. He saw the deposit, he saw the {$220.00} charge pending for the tax payment and he ASSURED me that the payment was APPROVED and would POST TODAY. Based on this representative 's information, I did not borrow the funds needed to make my account positive, as he told me the payment was APPROVED. I have a check coming in from my employer on XXXX which I was going to deposit but I did n't want to take a chance and have this ACH bounce to California tax board. I called Wells Fargo today, the same number, customer service, when I did not see the payment in pending OR posted, and she gave me an entirely different story, saying that the bank was in the process of making a decision and that i would know later today what they decide. I was furious but polite. This is the same center at the same bank, I should not be receiving two completely different stories. Especially since because of the representative 's assurance yesterday, I did NOT seek to borrow the funds necessary. The man i spoke with yesterday CAUSED ME TO NOT TAKE ACTION IN OBTAINING AND DEPOSITING FUNDS SUCH THAT THE PAYMENT WOULD BE COVERED. This conversation is recorded and the bank can hear what he told me. I lodged a complaint today, case # XXXX. An hour after I got off the phone the payment showed as returned. They clearly did not listen to the conversation I had with the representative yesterday who told me THAT THE PAYMENT WAS GOING TO POST TODAY AND THAT I WAS GOOD TO GO, in his words. Pending outcome of your investigation I will be taking legal action against this bank, and will report continuously to consumer protection bank monitoring services how the bank lied to me through its representative, and then did not stand by its word. I could have addressed this situation. Let me make that point clear. I could have addressed the situation yesterday by simply borrowing the funds until Thursday, BUT I DID NOT MAKE AN ADDITIONAL DEPOSIT YESTERDAY BASED ON THE FACT THAT THE BANK REPRESENTATIVE TOLD ME THE PAYMENT WOULD BE PAID AND POSTED TODAY. The bank has now caused a serious tax problem for me and I will take legal action if this matter is not addressed. It should never depend on who the customer happens to get not he phone, what the bank policy is or what is or is not going to happen with a pending payment. Wells Fargo is the bank that lies to its customers.
XX/XX/XXXX until now XX/XX/XXXX- I am a victim of fraud. I told the bureau that the phone numbers, address, and names are not me and verbally they advised it was correct. I have found companies that have slammed me ( XXXX ) with incorrect reporting-per them it was open in XX/XX/XXXX for one month but, you cant have to companies - I sent over information of proof that XXXX was the provider which was on my report. I disputed both the utility and medical but, Experian violated my rights- I provided the information that was request but, the fraud representative stated the had to do what the creditor wanted regardless. So, I was advised that Experian will do what the creditor advises only and the other person is not has no rights. The agent was rude and hung up the phone. I called back and the next agent after giving them my info did a blind transfer and it hung up. I call again and asked for a manager and was advised no manager was on duty in the fraud depart. Man was rude and state lets dispute it again but, he never did.. I just check.. I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. However, XXXX XXXX dates are not correct and the bureau is also aware and refused to do anything.