WillisBack/dataset-financial-user-claim huggingface dataset:
I had a promotional APR of 0 % for 18 months on my chase credit card. The promotional APR ended on XXXX/XXXX/2017. When the promotion ended, I had a balance of XXXX, so I was charged a daily interest on the XXXX balance. I called chase and asked XXXX ( customer service representative ) how is my interest charge calculate. I was told that the promotion ended on XXXX/XXXX/2017 and from that day on, they take the APR divided it by 365 and apply that percent to my daily balance until I pay off the balance. However, he said I also pay interest on daily purchases. I did the calculation and the system calculated the interest charges correctly but the customer service representative was trying to convince me that If I made a new purchase of {$50.00} on XXXX, I start paying daily interest on the {$50.00} on XXXX XXXX until I payoff the full amount. I was very confused with this because if I make a purchase on XXXX, I have a until my account cycles XXXX and I should not be paying daily interest on the {$50.00}. If I do not pay the {$50.00} before my due date than the daily interest charges can be put on my account for the {$50.00}. 
Foreign transaction fees for airfare purchased on a website. The payment was made to XXXX XXXX.
- On  XXXX   XXXX ,   XXXX   an over-payment of {$2700.00} was made to my  Chase United Explorer  Credit Card - On  XXXX   XXXX ,   XXXX   I requested a refund check in the amount of {$2700.00}. I was told  by Chase Custom er Service the check would be issued and I would receive it in  7-10  business days.   - On  XXXX   XXXX ,   XXXX   I called to check on the status of the check. I was told the check had not been issued and that it would be issued, and I would receive it within  7-10  business days.   - On  XXXX   XXXX ,   XXXX   I called to inquire on the whereabouts of the check. I was told it had been issued, mailed on  XXXX   XXXX ,   XXXX   and should be received in  1-2 days.     XXXX   XXXX   XXXX ,   XXXX   I called at close of business ( approx.   XXXX   XXXX    PDT )  as I had not yet received the refund check in the day 's mail. On this call I was told by the customer services representative that a total  of three ( 3 ) ch ecks had been issued on the following dates :  XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX , respectively. Further, I was told that a fourth check would be issued and to expect that check within  7-10 b usiness days. During this call, while not understanding the logic nor rationale being presented to me, I decided to cancel the account to help expedite the receipt of the refund check.   - It appears that while Chase can accept my on-line payments withi n 1-3 business d ays, the reciprocal process is not available to its customers. I am left with the conclusion t hat Chase was delaying the refund in hope  that I would use the credit card and therefore lower the amount owed to me.   - Your help in this matter is greatly appreciated.
I made three mortgage payments on my home loan on XXXX XXXX at a Bank of America branch asking the teller to credit the funds as payments and not apply anything to principal. All three payments were applied to my account and my XXXX, XXXX and XXXX mortgage payments were showing as paid when I checked on line a few days later. I sent a secure message to Bank of America asking them to reapply the payment to pay the XXXX payment. They wrote back and said that they could not do that unless I hand wrote a letter and mailed it to a certain address. I then called and talked to XXXX at ext. XXXX. He said that they needed something in writing to move the payment, but the written request did not count. He said that there is nothing that he could do.
I received a call from  XXXX  to call her that is when  XXXX  low with a nasty rude attitude and say to my son with the same nasty attitude, then  XXXX  low said to me i am tried off playing game with you and your son, i have not been talking to this child because that is what she is to me,  XXXX  low have been talk to my son about the payment arrangement, then i call to talk someone that is over these peoples and that is when this boy got on the phone with a nasty and rude   XXXX   over, the phone so i cursed him out, then i call back to get the last name, when  XXXX  said to me you are dealing with a lot of crazy peoples around here   XXXX   reuse to give  XXXX  last name, then  XXXX  reuse give me  XXXX   XXXX  to see when he will be back to work,  XXXX  with his rude month said i do n't know i ; m not on a cell phone, these peoples need to be fired the se two peop les did't care to hear what you have to say whatsoever, when you get rude and nasty unprofessional represnting a company they sure be fired, what goes around comes around.
I transfer some money to an account that I have in XXXX, through Transferwise, after I open an account with them, given to them all the information they required, such as : ss # etc.The first ones went smooth, but on the last one, they ask me to provide aditional pieces of Id wich I refuse, all of this after they took the money from my account, I think this is not a correct banking procedure. What should I do?
Came home from work, and my roommate hands me my mail. I noticed a strangely colored and labeled mail, so I opened it first. It 's from a law group or agency, stating that I owe the amount they requested in the letter. If they fail to receive the payment requested, they may or may not pursue legal action to recover the debt. And if they do decide to take legal action, the issue will be forwarded to one of their attorneys in my local area. They are accepting payments through a given website and phone number. How they failed to convince me that this is real, is that they require my account number. I 've never been in trouble with the law regarding any persons or business, so I do n't understand how or why I received this letter in the first place.
I received a message from XXXX XXXX this morning. She said there was a claim against me and I needed respond, but she called my father 's house. That is not my home nor do I give out their number so I 'm not sure XXXX XXXX left more information with my stepmother than she did in the voicemail she left on my phone. She told my stepmother she was calling from First Recovery XXXX claim # XXXX
I was sued for an old debt that was acquired by XXXX XXXX XXXX out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XX/XX/XXXX had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XX/XX/XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for a {$9000.00} charge off account that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.
Equifax has once again added fraudulent accounts that they were already notified were fraud, back onto my credit reports. Equifax has already received my FTC law enforcement identity theft affidavit. Equifax blocked these accounts, sent confirmation they blocked them as required due to the FCRA laws protecting consumers of identity theft. Not only are they violating consumer protection laws by unblocking fraud and re adding fraud back onto my credit, they know its fraud. Knowingly reporting incorrect fraudulent information. They recently added two new accounts from XXXX XXXX that I did not authorize, a auto loan and a Line of Credit. These were previously blocked, and equifax decided to unblock them and Re add the fraud. Without notifying me. They continue to damage my credit placing incorrectly reporting fraudulent accounts that were opened as a result of identity theft. They have already been made aware of these accounts and proceed to over ride the identity theft block. This includes an account from XXXX XXXX XXXX. I believe equifax is leaking my information, as it seems equifax is the only bureau placing fraud on my credit file.
I deposited traveler checks at Bank of America XXXX, PA XXXX on XX/XX/XXXX. 

It is now XX/XX/XXXX and I still do not have the money for the checks. 

When I followed up XX/XX/XXXX, I was told by the teller that they will take up to 30 days to process though when I deposited them was told only 2-3 days. 

My next followup a few days later I was told they could not find the checks and they were. Next, they were just going to take 20 days to clear. Then they did n't know what happened. Now they ca n't find them though I have the despot receipt and no money showing in his account for the checks. 

They told me I had to contact XXXX ( who supplied the checks ) when I did not purchase the checks, the checks were given to me in form of payment. 

I still can not get a straight answer. I hear the same excuse over and over again. The manager I am unable to contact via phone though she gave me her number. I have lost pay for all the times I had to go into work late in order to resolve this issue. 

Why do I not have my money after 6 months?
I have been getting harrasing and repeated phone calls from portfolio recovery. They have even gone as far as calling my elderly mother out of state telling her if i dont return there phone calls i would be issued a warrant and arrested.when i returned there call to the phone number provided to my mother and sister and brother which portfolio recovery had called and harrased as well looking for me they pretended to be with a department of justice and they were issueing a warrant for my arest if i didnt make a payment. I requested the information for which the debt pertained to they told me they couldnt tell me. I have asked them to stop harrasing me several times there taticks are rude and un called for.i have a recording of a voicemail left from portfolio recovery that contained a conversation that the representivies were having admitting to theft the representive was unaware he didnt hang up the phone and left the msg on my voicemail. I have some credit card debt ive told them as soon as i could pay any of it i would at my earliest convience. The calls still keep coming ive talked to supervisors in portfolio recovery and they are just as rude and degrading they make you feel like my debt is a drown on them personally and they are just all out disrespectful. They call all hours of the day and even got calls as late as XXXX.
I was required by XXXX in XXXX, ME to attend an XXXX XXXX in XXXX, ME. I arrived at XXXX XXXX on XX/XX/XXXX. I was working with XXXX to do reunification ; to get back custody of my XXXX year old son. XXXX required everyone to go to regular doctor, medical, and dental appointments as part of the overall treatment and recovery plan. I incurred debts with XXXX XXXX in the amount of {$2700.00}, and the account was sent to collections on XX/XX/XXXX. XXXX was fully paying for my XXXX   costs, medications and mental health appointments ; but they were not paying for doctors visits.I was not aware of this at the time, and was blind sided when my credit score dropped to below 430. I tried to dispute it but they are relentless. I do not feel that I should be obligated to pay this debt, I was not aware of it, I was under the impression XXXX was covering these bills, it ruined my credit so that I stand NO chance of ever getting a home, they harassed me endlessly over the phone, and I suffered extreme mental stress because of this bill. I am not looking for a handout - But the whole situation was completely unfair. I have been sober for over 3 years now, regained custody of XXXX of my boys, and am happily married. This debt is literally sucking the life out of me.. I hope you are able to help!
Hello, I hope this note reaches you well. I recently have been trying to borrow credit for one of my four businesses. Though, I have a bankruptcy on my account which is false. I have been trying to have this removed for some time. It has been removed from 2 credit bureau 's but still on one,  Equifax. Therefore, I am unable to do my regular business transactions now. I'd really like to borrow money for my business and only have this single issue with my credit. I could borrow in the future since I'm a reliable borrower and pay back my debt. Though this negative remark on credit report hinders me doing business. I truly am a responsible person. I would really love the help in resolving this matter as soon as possible. Thank you. XXXX XXXX
I graduated from XXXX XXXX, XXXX, CA in 2009. Since graduation I have struggled to pay my student loans, due to terms of unemployment and low - wage paying jobs. I am in a better situation than I was 6 years ago but still struggle to pay my monthly payment. This has brought down my credit and increased the interest on my loan. I have tried numerous times to refinance my loan to bring down the payment to a more manageable monthly rate, each time Wells Fargo, who holds my loans, denied the request. With this I am on the verge of going into deferment with my loans. This is an issue many of us our dealing with. Who can help us out?
I sent in documentation to complete a co-signer release from my loans. The form was submitted and I was advised that there was a 14-30 day processing period. I have now been contacting navient for over 3 months and they continue to tell me that my application is being " processed ''. I have inquired if I need to send in additional documentation and was told that I have done everything I was supposed to do. The last call over 1 month ago I was told the request was being " expedited '', yet when I called again today I was advised that the paperwork to have my co-signer released is still being " processed ''. I need to have my co-signer removed from my loans. I have satisfied all the requirements identified by Navient to do so, yet they continue to keep the co-signer on my account and refuse to process my request.
After sending information to verify myself with my disputes, Experian has sent a refusal to investigate my credit file claiming a “Suspicious Request”. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experian’s delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same “canned” response from Experian because they think no one will take legal action...The items in question are as follows:ACCOUNTS	XXXX/XXXX	****XXXX	XXXX	****XXXX	XXXX		****XXXX	XXXX XXXX XXXX XXXX	****XXXX	INQUIRIES	XXXX				XX/XX/XXXX	XXXX XXXX		XX/XX/XXXX	XXXX XXXX	XX/XX/XXXX	PUBLIC FILINGSXXXX XXXX XXXX XXXX XXXX/XXXX	XX/XX/XXXX	XXXX XXXX XXXX XXXX XXXX/XXXX		XX/XX/XXXX	XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX
I contacted the bureau and creditors many times about how and why this information is on my credit report I have not business with any of these accounts. Im XXXX from XXXX XXXX. I ca n't drive and I don't apply for loans I'm on a fixed income here. please help remove this information from my credit please.They don't listen to me ever. XXXX bless XXXX XXXX XXXX Status Closed Balance {$1600.00} Type Collection Payment Status Late XXXX   XXXX XXXX Status Closed Balance {$1700.00} Type Collection Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX  XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid XXXX XXXX XXXX Status Closed Balance {$4000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX  XXXX Status Closed Balance {$16000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$7100.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid
Midland Credit Management XXXX XXXX XXXX collection agency This company calls using a robo-caller and when I answer, the line is dead ; no one is on the line. We have been getting these and other calls for about two months. I called the number back and got this information. I have no debt for collection. My best guess is that I just got this new phone number and maybe the previous owner of the phone number was a deadbeat, not me.
On  X/XX/2017    I filed a complaint with the CFPB regarding my interaction with Quicken loans. While receiving info on loans, rates and terms I started to question my loan assistant, when his supervisor interrupted our conversation. He proceeded to quote me a new rate of 3.75 %. He then proceeded to ask me my credit card # so he could get the process started. I responded by telling him I would not submit my card # until I received something in writing. He was aggressive in his response to this. I further inquired if there were points involved with this new rate. He said there were 3 pts for a total of {$3400.00}. I asked when he was going to mention this fact, after he had my credit card #. But for me asking I would not know that the points had been omitted. When I questioned this aggressive sales tactic the supervisor became even more belligerent. I think this is a fraudulent practice and should not only stop, but should be penalized. I submitted a complaint with CFPB and had their response read to me by an assistant. Quicken Loans response was very accurate as to the facts and sequence of events except they failed to mention, and in my view purposely omitted the fact that they requested my credit card # before they disclosed that the quote they gave me included points. The response by  Quicken  Loans is in fact a second occurrence of omitting facts to favor their narrative. I agreed to and our conversation was recorded, you can listen to our conversation and see this fact plainly. This non disclosure of points and omitting them in their response is at the heart of my complaint.
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of XXXX I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) Ally Financial, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX, account number XXXX ; 6. ) XXXX, consumer number XXXX Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
I was using XXXX 's " XXXX '' online tool to see what credit cards I might be qualified for. I did so because XXXX 's webpage stated that doing so would result in " no impact to your credit score : A soft credit check will be performed when you fill out this form. This will be noted on your credit history but is not reported to lenders. This does not impact your credit score in any way. '' ( see their webpage URL at : XXXX ) However, despite XXXX 's stated assurance that there would be no hard inquiry on any of my credit reports or any impact to my credit score, my Transunion credit report immediately reported a hard inquiry performed by XXXX which resulted in my credit score being decreased by XXXX points and my overall credit inquiry level being downgraded from " good '' to " fair, '' thus significantly impacting my overall credit report. I am very upset about this blatantly false advertising and I am therefore asking your assistance because I believe I have been defrauded and misled to my detriment by XXXX.
To whom this may concern, I contacted XXXX XXXX XXXX XXXX over 60 days ago when I noted a suspicious mark on my credit report. I tried to communicate with the collection company and asked for written verification of the debt. There are two major issues. One, the debt does not exist. Two, I have a recorded phone call the day I cancelled my account. The company who sent my account to collections continued to collect weeks after my account was closed. A search on both here and XXXX  would show numerous complaints similar to mine. No written verification was ever sent to me. Under FCRA this debt is now listed illegally and unverified. My records also show this debt as invalid. Since I've received no remedy from XXXX, XXXX  or Equifax and no willing participation from the company collecting this debt, I will be filing in small claims to resolve this matter. I will be collecting under the governing laws you have broken. 

This letter is a last attempt to correct this matter before taking this matter further. 

Sincerely, XXXX XXXX XXXX
On Saturday, XX/XX/2018, I paid off two auto loans at the Huntington Bank branch located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. As both loans were paid prior to maturity, the teller assisting me had to determine the payoff amounts. The teller said that he would waive the early payment penalty provision on one of the loans ( for a XXXX XXXX ), and that,  according to the teller, the other loan did not have such a provision. I wrote two checks for the payoff amounts ( {$5700.00} and {$9900.00} ) the teller provided to me. The checks were debited/posted to my checking account on Tuesday, XX/XX/2018. 

A few weeks later I received a notification ( via mail ) that one of the loans ( the XXXX XXXX loan ) was delinquent. I called the phone number on the communication and spoke with Huntington representative who said that the notification was sent because an early payment penalty had not been properly waived in the Huntington system, and that he would conduct the appropriate process for the fee to be waived, and the corresponding late fee that had been applied by Huntington would also be waived. 

Several weeks later I received another written communication from Huntington, and the bank began calling my place of employment. When I returned the call and explained the situation, I was told I had to speak with a supervisor for resolution. After waiting on hold for many minutes, I was told the supervisor was not available but would call me back. The next day, while I was in a work meeting, I received a call from a person who identified himself as " XXXX XXXX '', and asked me to call him at a specified number. I call the number and asked for XXXX XXXX, but was told there was not a XXXX XXXX that worked for Huntington Bank. When I explained the situation and the reason for my call, I was told the late fees had now doubled. The woman that I spoke with on the call was rude and arrogant. She said that a supervisor would call me, but that call did not occur, only more calls to my work from agents without the ability/empowerment to honor the commitment of two other Huntington representatives.