WillisBack/dataset-financial-user-claim huggingface dataset:
Banks are required to have reasonable procedures in place to make sure that periodic statements are mailed or delivered at least 21 days before any grace period ends. Further, for credit card accounts only, banks are similarly required to have reasonable procedure in place to make sure that periodic statements are mailed or delivered at least 21 days before the payment due date shown on the statement. 

A credit card issuer may not treat a required minimum payment as late for any purpose if the minimum payment is received by the card issuer within 21 days after mailing or delivering the credit card statement disclosing the due date for that payment. This means that, if your minimum payment is received by the card issuer within 21 days after the statement is mailed or delivered, the card issuer can not increase the APR as a penalty, report you as delinquent to a credit reporting agency, assess a late fee, terminate benefits ( such as rewards on purchases ), or initiate collection activities. 

I currently have a billing dispute regarding my credit card. While the dispute was under investigation, the bank reported my account negatively to the credit-reporting agencies. Can it do this? 
No. Generally, if you have filed a proper billing error dispute, the bank shall not make ( or threaten to make ) an adverse report to any person about your credit standing. 

The bank also should not report that an amount or account is delinquent because you failed to pay the disputed amount -- or related finance or other charges -- while the investigation proceeds. 

Chase put a 30 day late on my credit reports. I have tried to get them to remove this and they refuse. This was not my fault because I never received any notification by Chase. I finally setup electronic statements and then received them. I have done everything I can to resolve this with them with no luck. I just want the 30 day late removed from my credit reports. If I was responsible and it was my fault I would take responsibility but this was XXXX fault. Now because of this mark on my credit this has lowered my credit score and I was not the responsible party that caused this. As I stated before by past record never showed any late payments on any of my accounts. In fact in my entire life I have never had a late payment on any of my revolving credit card accounts with any company, that 's a fact. I am now XXXX years old and why would I do that now? Chase has been a great company and service until now and they refuse to work with me on this. 15 years with Chase alone and never XXXX late payment so why would I have XXXX now unless this was a unique situation and not my fault. Individuals should not be blamed for mistakes that Chase makes. Have them check all my accounts through them and not one has ever had a late payment. Why would I have XXXX late payment when my credit through them has been perfect. Why would they credit the late fee if they were wrong? Why is Chase so willing to ruin peoples credit with no consideration that I have been a customer of theirs for 15 years and never XXXX late payment? This pertains to account number ending in XXXX. Thank you
I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from  XXXX to XXXX. 

I ca n't get a loan at this time because of Trans union Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

XXXX XXXX
Portfolio Recovery Associates ( Debt Collection Agency ) discharged a debt they claim I owed to them on behalf of a previous merchant on XXXX XXXX, 2016. I recently received a XXXX form from the IRS showing that this company discharged this debt on XXXX XXXX, 2016. In doing so, they charged it to me, whereas I must now report this onto my 2016 Tax returns. Furthermore, Portfolio Recovery Associates LLC has continued to attempt to collect this throughout the year ( 2016 ). The latest written correspondence I received from this company attempting to collect a debt was on XXXX XXXX, 2016 ; nine ( 9 ) months after discharging it. This appears to be misleading, and undermining to their credibility as a business. They claim to have discharged this debt to the Internal Revenue Service, yet they are still trying to collect it months later. 

This is not the only time that Portfolio Recovery Associates has violated the FDPA. In fact, it seems they have a pattern of doing so.
I tried applying for a bank account at XXXX XXXX and after getting my account, it was canceled as a result of XXXX collections against me. I have XXXX collections against me for {$350.00} from XXXX XXXX XXXX XXXX for trying to get out of a leasing contract that I signed the day before telling them I could not move in. I cancelled within 24 hours and they are trying to charge me {$350.00} for this. Then there are XXXX collections that are filed against me from Syndicated Office System for {$350.00} and {$450.00}. I have no idea what this is for, nor have I ever been contacted by them. This is ruining my credit apparently and I have never even heard of these collections against me. Please help me! I need to get a bank account from XXXX XXXX before leaving the country at the end of this month and this is really a messed up predicament I am in! I found this article about XXXX online and I am guessing I am involved in this without even knowing ( http : XXXX ). Please let me know what I should do, what I can do, and any information that can help me! I greatly appreciate it!
A couple of moths ago I decided to check into my credit report after watching a show on the television describing how important credit was. Upon checking, I found that there was three ( 3 ) credit items which didnt belong to me and a bunch of inquiries. Instantly I began to freak out, thinking that my whole world had ended before it started! I then contacted experian, XXXX and XXXX XXXX advising them that the accounts for XXXX XXXX XXXX  ( opened XX/XX/XXXX ), Swiss colony ( opened XX/XX/XXXX ), and XXXX ( opened XX/XX/XXXX ) were indeed fraudulent accounts. They then advised me that they would investigate the said accounts and let me know the outcome of the dispute. About twenty five ( 25 ) days later, I got a notice from them advising me that the said accounts were verified as indeed mine and there for accurate. I knew at that moment that my identity was indeed compromised!! Ive also tried ( unsuccessfully ) to dispute these accounts with the originator of the accounts. Ive asked the agencies as well as the creditors to supply me with the original signed applications, showing my true blood and bone human signature as proof that Im responsible for those accounts. I have not received those documents, meanwhile my credit is suffering and handicapping me from exercising my right of life, liberty and the pursuit of happiness.
I have an account with  XXXX   XXXX   XXXX  Credit Card. When I enrolled last year, the {$990.00} annual fee was waived. On   XXXX   XXXX   XXXX   I was charged a {$990.00} annual fee. I was not given notification that fees would be implemented, and I was under the impression that the fee would be waived as long as I was on  XXXX   XXXX  status.     I called the credit card company today, and they said they no longer waive the annual fee. I feel I should have been notified beforehand so I can financially prep. Being  XXXX   XXXX  military, a {$990.00} annual fee is not affordable.
On XXXX/XXXX/XXXX my XXXX XXXX Account XXXX, with BMO Harris was closed with a balance of {$620.00}. I did an online chat with them and they said a check would be coming in the mail with 2 weeks. After 3 weeks I once again started a chat and they said to give it until the end of XXXX. Still no check. Just recently I called BMO Harris last week and was transferred over to a person who handles the checks but was not as her desk so I left a message. My message was never returned. It 's been almost 2 months and I am missing my {$620.00} from my closed bank account.
I have reached out to Debt Recovery Solutions and requested validation of this debt as I did not have a account with XXXX. 

I have not received anything back after several attempts to resolve the matter myself.
Equifax has continued to list fraudulent activity on my credit report even after XXXX letters I have sent them. Yes you read that right, I have sent this company a total of XXXX letters and countless faxes outlining the fact that my husbands ex wife tried to open many accounts in my name. The other credit bureaus cooperated but Equifax continues to try and hold me responsible for inquiries that I did not make, allow and was not aware of. They do not report accurate information and as a hard working public servant I expect more from people.
Car loan from XXXX XXXX XXXX. on XXXX XXXX to XXXX XXXX. 
Dispute with all three credit reporting agencies to investigate and update or remove the item from my credit report. XXXX nor the CRA can provide information that the car was repossessed in XXXX XXXX. Besides some late payments during XXXX, from XXXX to XX/XX/XXXX the loan is " Pay as Agreed '' and load was " Paid and Closed ''. Due to the inability to provide written documents with my signature showing that the car was repossessed, shows that the listed item is inaccurate and represents a error. 

I am requesting that all three of the CRAs remove this item from my credit report.
On XX/XX/2018 I lost access to my account on XXXX.XXXX. 
I have over {$100000.00} in asset and cash and not able to access. Customer service is non-existent and I am not able to view. withdraw, or access my account what's so ever. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Case ID : XXXX
Being a first time, single mother, I had to make the decision to use my overdraft protection. I check my balance before every transaction so I knew that I would be over drafting that transaction but the {$36.00} dollar fee was worth it to keep my son in daycare for the week. Especially when I would be getting paid in a couple of days and it would all even out. No big deal. 
Imagine my surprise when I checked my balance and it was more than XXXX dollars in the negative. Apparently, Regions decided to reorder transactions for the past few days to incur overdraft charges on XXXX transactions instead of just the XXXX transaction. This resulted in {$360.00} in overdraft charges. Instead of {$36.00}. 
When my paycheck hit my account, it was ENTIRELY gone because of this. That was money to pay bills and feed my baby. And now my phone is shut off because regions STOLE all of my money. 

I 've contacted regions several times about this matter and they give me the same answer. 'There 's nothing we can do. ' I 've filed a complaint with the XXXX they have n't responded. 

It should be illegal to reorder transactions to maximize fees.
On XX/XX/XXXX 2017 I received a letter from Toyota financial services stating that they will be sending me a refund of excess wear and use charge s,  which they inadvertently charged on my previous loan lease- and that the refund would be provided under separate mailing, it has been almost a year and I have not received any further information- I tirelessly attempted to contact the company to get more information and they have acted like th y did not send me this letter or refrained from elaborating, this is unfair and deceptive practice, as far as I am concerned they have known th y have had my money for 9 months and have withheld it, meaning they now owe me some form of interest onntop of the original refund. Vin number XXXX
I returned merchandise to Macy 's and filled out the form requesting credit to the Macy 's accounts. However they continually issue a gift card for which I did not request forcing me to go through the process of requesting a reversal to the credit card. However during this time they are charging me interest of the gift card and they do not issue credit for the interest when and if the credit is reverse. Right now I am waiting on XXXX reversals however I am having trouble get them reversed. Its taking to much time and I will be paying the interest.
In XX/XX/XXXX I received via email from AMEX a promotional offer to upgrade my Gold Card to a Platinum Card. The deal was that if I spent {$5000.00} over the next 3 months I would receive XXXX reward points. I followed the link in said email, applied for the upgrade, was accepted and received my Platinum card sometime in XX/XX/XXXX. Despite having met the {$5000.00} commitment and then some I never received the point reward. I have contacted AMEX on at least 3 separate occasions. The inquiry is made by the representative I speak to and I am advised that I will receive notice of their decision via mail, email or a phonecall. Not once have I been contacted. Each time I have to call them again to find out what has happened with my complaint. Their response now for the 3rd time is that they did not solicit my business through an email ( according to their data ) and therefore I am not eligible for the reward. An Amex rep I spoke to in XX/XX/XXXX confirmed that there was indeed a promotion out there to Gold Card Holders about upgrading to the Platinum Card and she resubmitted my complaint as a result. Note : I would never have upgraded to the Platinum Card had it not been promoted to me. I have been a Gold card member since XX/XX/XXXX and had no need or desire to switch until this offer was received by me. I am about ready to cancel my card and never use Amex again.
I was contacted by  XXXX   XXXX  (  XXXX  )  XXXX    XXXX   XXXX  , NV a  XXXX   XXXX   XXXX  for  XXXX   XXXX  and  XXXX   XXXX  Fl. I had called the office and spoke with  XXXX  and was set to call her back Tomorrow.  XXXX   XXXX  from  XXXX   XXXX  proceeded to call my elderly  XXXX   year old  mother in law and was verbally abusive and threatening. When I called  XXXX   XXXX  and  XXXX  with this information they told me he went " off script '' and was not reading the script provided to him.  XXXX   XXXX  threatened to be on MY door step here in Massachusetts on  XXXX   XXXX . What his intentions are I do not know. I am on social security  XXXX  and do not make enough to cover what they want. I do not own property. This is a very old debt. When I called  XXXX   XXXX  back to tell him not to contact my mother in law again the phone went right into a message that " This phone is not set up to take calls at this time. '' These kind of threats are very frightening to all involved. Last year  Continental Finance Company had so meone call and personally threaten me. They were reported to the  XXXX  Police Department and were called while I was present in the room. This is not the first time.
I went to XXXX XXXX XXXX in XXXX XXXX CA, at age XXXX. 

The school made it seem like a " deal '' and that it was a Sallie Mae government loan. 
I have a deceased parent and was never informed about " Private '' loans. 
The loan was in 2 parts totaling {$70000.00} Now that I have to make payments they will not offer me a repayment program that works with my income. 

I have been placed on a Reduced Plan but Navient still requests I pay {$500.00} a month. 

I can not afford this loan and did not get the job guaranteed to me and do not work in field of study. I only make approx {$24000.00} a year I have reached out for help, but can not receive any. 
This is effecting my personal health and well-being.
I am at my wit 's end with disputing with the bureaus. I have already made complaints regarding the fact that the bureaus DELETED accounts that I was only asking for verification on the late payments and they will not put them back when it was their error. There were also XXXX accounts that I disputed in error and they removed them ; when I asked for them to re-add them they stated that they would not and will not add information given by 3rd parities. I sent them the proof that it was on my file in the first place and they still will not add them back to my file. I also have XXXX derogatory accounts remaining on my file that they continue to say are " verified '' when I know that they are not. Not only that, but they have failed to provide documentation legally verifying those XXXX accounts as required under sections 1681, 609 and 61a5Ai.
Credit bureau is in direct violation of FDCPA and FCRA, concerning my credit report.
On XX/XX/XXXX I logged into my XXXX XXXX account and seen that I had a hard inquiry on my XXXX score from Sterling Jewelers that dates back to XX/XX/XXXX. I have absolute no knowledge of this inquiry. I have never even been to a Sterling Jewelers store. I am a young guy who is working to start building my credit and already having an inquiry on my account will slow me down when it comes to applying for different cards especially since I have no idea where this is coming from or even how it appeared.
I took out a {$500.00} online loan from Big Picture Loans. I was under the impression that it would be a {$150.00} finance fee. It was n't until after the funds were disbursed that I was made aware of the Truth in Lending Disclosures and that the finance charges were actually XXXX with an 542.4636 % annual percentage rate. I am now stuck paying over {$2000.00} for a {$500.00} loan
I called Equifax couple times to dispute and remove fraud inquiries from my credit report and they always tell me they can not do that i need to call the companies. i send letters out to the companies with no response there are no phone number listed on my credit report where i can call them like equifax told me too. i did not do those inquiries why do i have to call what i dont even have the numbers for because it is fraud and they refuse to remove them from my report. here is a list from the inquiries what is fraud.  XXXX ,  XXXX ,   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   ,    XXXX   XXXX   XXXX ,   XXXX   XXXX  ,  XXXX ,   XXXX ,   XXXX , there ar e 15 fraud inqu iries and they refuse to remove them what is a violation of the fair credit peporting act se ction 1681b ( c ) and  a serious breach of my privacy rights. I formally request that these fraudulent inquiries be immediately deleted from my credit file that they maintain under my social security number.
In XXXX, after becoming XXXX I could n't keep up with my credit card account and it went into collections and the account was sold a few times. In XXXX a collection agency by the name of XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX Georgia XXXX tried to sue me for the money. We then when to mediation made a settlement agreement on the account, I paid the settlement making my last payment XXXX XXXX, XXXX I then requested the pay off letter, which I never received even after contacting the XXXX County Court in XXXX & XXXX. The only statement I got from the court was to keep contacting XXXX XXXX XXXX office because as an XXXX they could n't advise me on this case. I have contacted my financial institution regarding all payment records regarding this matter and I will be able to get them and forward them when it is necessary. On XXXX XXXX, XXXX I received a notice from my credit monitoring service that XXXX XXXX XXXX has filed a civil case against me for the remaining balance on this old account after I paid the settlement in XXXX. Today is the first time I became aware of the shady practices of this company and the Lawsuit won against them for doing this to several consumers.
A collection was placed on my credit of which I had no knowledge about nor received any notice about the amount claiming to be owed to them. The debt collector ( Millennium Financial Group ) looking to be collect for the amount of {$500.00} for XXXX headquartered out of XXXX XXXX, OK. I do not believe I owe this company nor has proper legal documents been filed showing i owe this amount. Both companies have failed to present me with a detailed spreadsheet showing exactly why I owe the company {$500.00}. Both companies are attempting to collect a falsely amount.
We applied for a VA loan with Navy Federal Credit Union. We went under contract and had XXXX days to remove a funding contingency. The credit union told us, our realtor and the seller 's realtor that we were approved for the loan. Then one week before closing the credit union changed their decision and pulled back the funding approval. The reason given was we do n't have employment in the state where the property is located. XXXX XXXX is the day we are bound by contract to close on the loan. It is the seller 's intentions to take a our {$4000.00} earnest money down payment. My husband and I have both served this country for XXXX XXXX years of service and never thought we would be treated this way by a financial institution professing to support military members. For a week now we have been trying to get the credit union to help us get our earnest money back and they wo n't even answer our phone messages.
I recently wrote to US Bank regarding a reporting error on my credit card # XXXX. 
I have had this card for almost 10 years and have never, ever missed a payment. I recently applied ( and was approved ) for a XXXX card. I had not looked at my credit report for many years. They told me that in 2010 US Bank reported a late payment. I have made over 240 payments and have never, ever sent in a late payment. The sent me back a letter saying that they verified it as being correct ( see attached document ). They did not supply me with any information, any proof that it had not been paid. I was to just accept their word and that was it. 
I wrote a letter to the CEO explaining to him I was trying to refinance my home and that this one late payment ( the only blemish on my credit report for over XXXX ) asking him to look into this error. I was also verbally harassed by a supervisor at US Bank accusing me of having several late payments. He said it was recorded so their is a record of my complaint. 
This is a severely flawed system. US Bank believes ( as does XXXX XXXX which I am a client ) that they are not responsible for any errors and that I am just supposed to take what they say at face value. They could say anything and I have no recourse. 

I am asking you to conduct an investigation into this type of behavior and ask what ever banking agency monitors their system to change it so that a card holder of a credit card from them. I am also asking you to inform them to delete this 30 day late payment on my credit report. My past history demonstrates that this has never happened in ove 10 years. I was never informed that my payment was late nor was I given any notice that my check was not cashed.
I had a business account with Bank of America and there was some fraud on the account outside of my control. My account was closed without an explanation and it put great financial difficulty on my business.