WillisBack/dataset-financial-user-claim huggingface dataset:
I transferred a balance to my American Express card for a 4 % fee and no interest for 12 months. I transferred it from a card where my APR was 13.9. On my first bill I noticed that I was charged the transfer fee as well as interest at 22 %! I called them they apologized and took off the interest charge and said it will not happen again. The next month I'm charged interest again. I call them they said they know it's a problem and notated my account. The interest fee was never refunded for last month and my bill this month has another interest charge on it. I feel like 3 months is more than enough time to solve this problem and I am tired of having to call every month and getting nowhere.
On XXXX/XXXX/16, I had attempted to use my credit card at the gas station and also for a taxi, however, all attempts were rejected. I called into Chase asking why my transactions were being declined and they had informed me that all my accounts had been closed ( Checking, savings, credit card, business accounts ) On XXXX/XXXX/16, I had called Chase to inquire why my accounts had been closed and was informed that it was due to " unusual activity ''. I tried to inquire further on what the activity was, but was not given a chance to find out and the rep had mentioned that " Chase had decided to end the relationship '' with no further explanation and that I had to close all credit cards and withdraw all money from bank accounts within 30 days. I had received a letter in the following week stating the same instructions. 

On XXXX/XXXX/16, I had gone into a Chase bank branch and followed instructions to withdraw my cash from my checking/savings account, and inquired of the manager at the branch why my accounts were closed. He looked into my accounts and informed me that he could not identify any " unusual '' activity and did not understand why my accounts were being closed. I inquired if I could appeal the process, and was not given any further information. 

Without understanding what the action was which lead to all my accounts being closed and without any chance to appeal, I feel discriminated against and that this practice is deceptive and unfair.
I sold a house in XXXX of 2016 -- paid the mortgage off -- and it still shows as an open account with a balance of $ XXXX I have tried multiple times to get this fixed and changed on my credit report to show the debt as paid and the account closed to no avail. 

Most recently, I contacted both XXXX and Equifax as well as XXXX XXXX XXXX XXXX to attempt to get this resolved. 

I have gotten letters stating that a review has been completed and they did not change anything on my report. Again. 

I have also attached a letter from XXXX XXXX stating that the loan is paid in full and that they were working with the reporting agency to get the reporting issue resolved.
I opened an Extra20 account with Santander XX/XX/XXXX, soon after they started promoting it XX/XX/XXXX. I diligently met the requirements for approximately two years, earning $ XXXX monthly bonuses. However, the account type was discontinued and they switched me to another account type without ongoing bonuses. Original marketing materials contained the bonus amounts going up to five years. I believe the bank never intended to continue this type of account. They used it to attract new customers, giving a false sense of security with marketing materials showing five years of bonuses. They probably never intended to continue the account type, and hoped that customers would stay with them due to inertia. I consider this to be unethical and potentially abusive.
I have a Chase business credit card # XXXX with a {$4000.00} credit limit. I have had this card since XX/XX/XXXX. I pulled my credit reports on XX/XX/XXXX and found that the card was n't listed at all on any of the XXXX credit reports. I sent certified letters to all three saying they needed to add the card to my report. Today, XXXX said it is the responsibility of the credit card company to report the card to the XXXX companies. 

So I called Chase and they claimed it is their policy not to report any business cards to the XXXX companies unless the person falls XXXX days delinquent on the card. I explained that it is my card for my business, a sole proprietorship. I said there is a payment history there I want on my report because it is perfect and I am trying to build better credit for myself. They refused to add the card to my credit report. 

I explained that I have another business credit card from XXXX XXXX # XXXX and it appears on my credit report. Chase did n't care. They refused to do what I asked. 
That Chase bank is picking and choosing which cards they would like to report is unfair and is affecting my credit score. It seems like it may even be illegal. That Chase will report the card when your credit is bad ( XXXX days delinquent ) but NOT report the card when I have excellent credit is also unfair. I 'm not sure what to do. Are they breaking federal law? They certainly are not serving the customer with this policy. If I had that additional credit of {$4000.00} on my report, my ratio of debt to credit would go down and I believe my credit score would go up. Can you help me with this matter? 
Sincerely, XXXX XXXX XXXX
I had agreed to make a payment with collections company, and provided payment information. The collector called me nearly 30 days later to report the payment was declined, although the funds were available at the time. He failed to state mini-miranda prior to disclosing account information. In addition, he stated he is only required to say it on one call, not any subsequent calls.
I am going through a divorce currently and was required by the courts to pull my credit and show any and all joint accounts. Upon doing so I realized there are numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at XXXX, CT XXXX yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have followed the law to a T and these accounts need to be removed within 30 days without question. 

Accounts : XXXX. 

Inquires : XXXX
I have had a membership with XXXX for years, I get my XXXX in XXXX credit report every 6 months and when I got it this time I did a little research to see why my credit score was different on all XXXX reports. Looking at the report I see XXXX reports wrong information from XXXX and XXXX, they have over XXXX accounts open when they are closed. I call XXXX and told them what was wrong and sent the IT department a screen shot of my credit report at XXXX ( which is correct ). It has been over 3 months and it is still not fixed. XXXX say it is a system issues but how can they be in the business of reporting credit and do n't have it right? I called XXXX every other day and they just hung up on me or say it is a IT issues. 

Another issue, Green Tree which is now Ditech Financial LLC. I had a mortgage loan from XXXX of XXXX to XXXX which is 20 years and I paid my mortgage on time for 20 years and my last year when I got down to {$8600.00} I settle with them for {$6700.00}. This was a interest barring loan and they had made {$100000.00} off of {$29000.00} loan. They reported to my credit report that I settle for less then the balance and put a flag on my report to stay on 7 years. I have been calling the company which I get no call back but I am asking if a company settle with me and it is less than {$2000.00} and been paying for 20 years why would they hurt my credit like this? I was never late paying them for 20 years.
My identity was stolen between XX/XX/XXXX-XX/XX/XXXX. As a result, multiple accounts were opened and used without my knowledge. XXXX XXXX XXXX XXXX was one of the accounts listed in my identity theft report. There was fraudulent charges on my personal checking account, my business checking account, an auto loan was taken out, and my credit card was compromised. I reached out to XXXX XXXX several times about my business account in which XXXX XXXX charged my business account over {$750.00} in fees due to the account being hit with multiple ACH attempts. The car loan and credit card are still present on my credit reports to date. I was told by XXXX XXXX to file a police report and send it to them to get these accounts removed from my credit reports. They have yet to respond and it has been over 3 weeks.
This collector has been calling about a debt and been calling posing as a law enforcement agency for years and I would like for them to cease communication altogether and stop the harassment. They have yet to be able to provide information on the alleged debt and have threatened to either sue or arrest me which is illegal according to the FDCPA
I have disputed the late payments on account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They failed to give me verification as to why they will not remove the account..The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
I have my original mortgage ( XXXX ) contract which states " once I reach 80 % of my original contract amount, I may terminate my PMI '' My original mortgage company was XXXX went out of business & sold all of their loans ( including mine ) to Ocwen loans. It has been a nightmare since I have been with Ocwen ( Ocwen bought my loan in XXXX ' XXXX ). Ocwen had sent me a letter of cancellation of PMI and its requirements. I met all of its requirements and they told me I need a new appraisal of the current value of the house. I got the newer appraisal ( XXXX ) Even though the original contract states 80 % of the original value ( {$130.00} ) they ( Ocwen ) denied my cancellation. My new value is {$100000.00} and they are not going by the original value. I have sent a copy to Ocwen of my original contract and a copy of there letter, which both state the same thing.
My card ending in XXXX I was approved for a Barclaycard on XX/XX/2017 I was asked if had a transfer 0 % Int. I did, to XXXX XXXX for {$4800.00} XX/XX/2017, Went on line did not see the transfer. 
Used the card on XX/XX/2017 and saw the transaction of {$55.00} to XXXX Still did not see the transfer of {$4800.00} About three weeks after approval I see the transfer of {$4800.00} to XXXX XXXX, XXXX times $ XXXX.= total of {$9600.00} I called after sending 4 emails and no respond. 
Lady said that Indeed looks like an honest mistake/Error. 
Lady on the phone said if I return the {$4800.00}. I will get the transfer fee of {$140.00} back and only pay XXXX transfer fee, since it was an error. 
I made a payment of {$4800.00} to them online. the XX/XX/XXXX I called today to make sure I get back my fee back on the error transfer. 
Another person on the phone said I will not get any fees back. 
I want my {$140.00} back for the error transfer that it was made.
There was a bill pay processed from my JP Morgan Chase account on XXXX/XXXX/2016. The funds were directed to a closed account with XXXX Card Services. The funds ( {$3000.00} ) were processed on XXXX/XXXX/2016 at XXXX EDT. There is not a trace number available. The funds were accepted at XX/XX/XXXX at XXXX am. When I noticed the funds had not gone to the correct account I went into the local branch and spoke with XXXX XXXX Chase Private Client | Private Client Banker | XXXX ID XXXX | XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX at which time she told me there is nothing that Chase can do and to contact XXXX. Which we did and XXXX opened an investigation. The account number it was sent to is a XXXX account, however, it was always sent to XXXX Card Services. I 've contacted XXXX, they sent me to XXXX XXXX and NONE of the XXXX banks involved claim receipt of the {$3000.00}. I spoke with XXXX persons on the phone with JP Morgan Chase ( XXXX - online banking who sent me to XXXX with Senior Services who sent me to XXXX with online claims ) and none were willing to tell me where to funds were sent, only that they were accepted but not by whom. They closed my investigation without offering to do anything. I consider this discrimination for being a small account and a female. It is theft. Chase is withholding information from me as to where the money is located. The funds are somewhere in virtual land and someone is collecting interest or enjoying a vacation. I have been patient as it has been over two months. I have nowhere else to turn. I spoke with XXXX people at XXXX XXXX and XXXX people at XXXX Card Services on the day of XXXX/XXXX/2016. There is no account in my name, social security number, or account number at those institutions. This is absolutely unacceptable and there is ALWAYS a way to track a transaction. My husband is director of information security with XXXX XXXX. There is a way to locate my money. At this point in time it is theft and JPMorgan is being dishonest and discriminatory.
The disputed account is XXXX , XXXX. XXXX ACCT. NO.XXXX.A default judgment is appearing as a collection account on XXXX, XXXX AND EQUIFAX.It is appearing as a collection perhaps to avoid properly displaying as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted in recent years.In addition, the DATE OF 1ST DELINQUENCY has been re-aged, another FCRA clear violation.The DOFD coincides with the date of judgment entered ( attached court record ) which is impossible considering the nature of the debt, ie : back rent.The delinquency of the debt was many months prior to the stated DOFD.All 3 bureaus, following numerous disputes permit a false, re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERAL AGREEMENT creating a loophole for the ACCURACY AND COMPLETENESS of reporting demanded by the FCRA
A home equity line of credit that I settled as a short payoff back in XX/XX/XXXX has been updated on my XXXX and XXXX credit reports, with a last reporting date of XX/XX/XXXX with a status of greater than 120 days pasted due. After submitting disputes to this item at XXXX, the status was updated by the creditor as Paid as Agreed for Less than amount owned, but the last report date is still XX/XX/XXXX. I am seeking to have the last reported date to be set to its original state of XX/XX/XXXX. This error makes it look like the item was just processed. I discovered this after being denied credit, and not receiving the best premium for my home owners insurance. The contact with Citibank has been horrendous. 
On XX/XX/XXXX, I submitted a complaint regarding a HELOC that I settled and paid in XX/XX/XXXX being reflected with a last update date of XX/XX/XXXX on my credit reports through XXXX and XXXX. I discovered this issue after being denied an increase in my credit limit and paying a higher premium on home owners insurance. 
I was instructed to contact the Recovery Department by the general Customer Service number. A letter ( see attached ) was sent to me from Recovery Services to submit documentation. I called them before sending over the fax, and they said that they do not have the account in their system because there is no outstanding balance to pay after the account was settled. 
I was also in contact with the Loss Mitigation Department ( transfer to them by Recovery ), and the agent advised that they do not have the account in their system, because the account was settled and closed in XX/XX/XXXX. When I asked for direction on whom to contact, the rep ( XXXX ) became hostile, and hung up on me. I then called recovery back, and was able to get the information I needed ( after being emphatic ) to send documentation to your team. I have sent them the following supporting documentation Credit reports from XXXX from XX/XX/XXXX, as dispute confirmation, and an updated account status as of XX/XX/XXXX. 
Credit reports from XXXX from XX/XX/XXXX, as dispute confirmation, and an updated account status as of XX/XX/XXXX. 
Credit Report from XXXX that has the correct information dating back to XX/XX/XXXX. 
Authorization and Acceptance Letter from Citibank of a short payoff XXXX for cancellation of debt Fund Transfer Wire Last statement for the account reflecting a XXXX balance Discharge of MortgageI have been working on repairing my credit for the last 3 years, and this issue lowered my credit score.
I initiated a wire transfer for {$8000.00} to XXXX on XX/XX/XXXX before XXXX PT. Their web site ( XXXX ) states that wire transfers should arrive the same day if placed before XXXX PT. I called my bank and confirmed that the funds had left my account. I checked my XXXX account and my Coinbase account that day, yesterday, and today and see no sign of an incoming transfer being recorded. I contact Coinbase support via email but have not heard back. 

A XXXX search led me to dozens of people complaining that they had initiated wire transfers for thousands of dollars that have still neither appeared in their Coinbase or XXXX accounts, nor were returned to their respective banks. The Coinbase subreddit is flooded with complaints about failed wire transfers : XXXX XXXX XXXX/CoinBase/
BACK IN XXXX XXXX I SCHEDULED A {$27.00} PAYMENT FOR MY XX/XX/XXXX MACY 'S BILL.I FIRST SCHEDULED THE PAYMENT WITH MY CAPITAL ONE MACY 'S E BILL. THEN I CHANGED MY MIND AND SCHEDULED THE PAYMENT WITH MACY 'S ONLINE BILLING .BUT SOMETHING HAPPEN THAT RESULTED IN MACY 'S STEALING MY XXXX XXXX AND CHARGING {$27.00} LATE FEE AND NEVER PROCESSED MY PAYMENT.NOW FAST FORWARD XXXX XXXX AND EVEN THOUGH A NUMBER LATE FEES HAD BEEN CHARGED 2 MY ACCOUNT AND MACY 'S FAILED 2 ADDRESS MY COMPLAINT WITH CFPB DATED XXXX XXXX XXXX EVEN THOUGH THE ACCOUNT WAS IN DISPUTE MACY 'S IGNORE THE DISPUTE & CONTINUE 2 APPLY LATE FEES EVEN THOUGH I WAS NOT LATE WITH THE PAYMENTS.I BELIEVE MACY 'S FAILED 2 INVESTIGATE THE MISSING PAYMENT BECAUSE THEY EITHER STOLE IT OR LOST IT.
I contacted Michael Andrews and Associates after a hard inquiry was placed on my XXXX credit report on XX/XX/XXXX18. I contacted them within 1-2 days of the inquiry to find out who was authorizing this pull of credit and why. I spoke to a representative who answered and asked me for my name, which was provided. She told me that I would be receiving something stating the reason for the credit pull. I told her I had not authorized anyone to pull my credit and I did not have any business with this " law firm ''. She then stated that this was in connection with my previous car and that they were handling the case and that it was in my contract which would be mailed. To date I have not received any documentation or notification from this company or supplied any information as to why my credit was pulled without my authorization and consent. I am requesting this inquiry be removed under federal consumer protection laws as it was not authorized and the company has provided no evidence to support justified reasons or where authorized by law and/or contract to receive my credit information.
I made a transfer on XX/XX/XXXX using transfast.com from USD to XXXX of {$4000.00}. After creating the transaction, the email from transfast said it will be deposited to my XXXX account on XX/XX/XXXX. Today ( XX/XX/XXXX ) morning i received an email saying my transfer is completed and " Your transfer has been picked up or received by your recipient. ". 
When i logged into my XXXX account, the money is not there. When contacted customer service XXXX said it should be there by EOD today, now it's XXXX, money is NOT THERE. 
When again contacted customer service over chat, new story ... money will be credited on XX/XX/XXXX, because there is " Another processing ''. 

So what does " Your transfer has been picked up or received by your recipient. '' means?????? 

It's definitely a fraud/scam to hold my fund for more time and using before releasing the fund to me according to the contract.
It has come to my attention that payday/internet lenders must be licensed by the state of Pennsylvania in order to offer loans to its residents. Since this company has no license in my state, the loan contract I have is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan, plus 6 % interest, which is the maximum allowed by Pennsylvani a Law.    I received a deposit of {$800.00} on  XXXX / XXXX /  XXXX  . From  XXXX / XXXX /  XXXX   to  XXXX / XXXX /  XXXX  , I have paid a total of {$950.00}.   Based on the above mentioned P A State Law, the principal plus 6 % would be {$840.00}.
I obtained a secured credit card with Citibank XXXX years ago to enhance my credit score. The trade line on my credit report had perfect payment history. My vehicle was stolen along with my wallet in XXXX 2015. All of my credit cards were replaced. The stolen card and replacement cards for Citibank were accurately reporting until XXXX. XXXX credit bureaus have verified that the account was deleted by Citibank " due to fraud ''. I have contacted the bank numerous times to please re-enter the cards because it is adversely affecting my credit score. Several account managers have advised me of ways the company would correct the mistake. I received a letter attesting my account and payment history but it has not been rectified on any of my credit reports. The last person I spoke with on XXXX/XXXX/2015, XXXX XXXX, executive assistant at Citibank, assured me that she would personally call her contacts at each bureau and fix the problem by close of business on the day we spoke. I have left several messages for XXXX XXXX and have not received a return call. My credit report has not been corrected as of this writing. The account is open and current.
Sam 's Club Synchrony Bank is my creditor and I have a credit card with them. The issue with them is that my account is not being reported to XXXX credit reporting. I have requested on several occassions for about a month now if the would please re-report or re-insert my credit information to XXXX because it some how was removed. As of today that has yet been completed and it is very irritating and harming my credit
I had a delinquent payment on my Chase mortgage for my XX/XX/2018 payment. When Chase attempted the ACH with my XXXX XXXX XXXX XXXX account, it failed because of the configuration of my XXXX account. Chase subsequently reported my payment as 30 days past due. I reached out to Chase and provided them with documentation by my credit union substantiating that the configuration issue led to the delinquent payment and asked them to stop reporting the delinquent payment. Despite this reasonable request, Chase continues to act unreasonably, stating they are not able to make an adjustment to their reporting because it was not a banking error made directly by them.