WillisBack/dataset-financial-user-claim huggingface dataset:
I a resident of Florida and has been a Chase credit card member since XX/XX/XXXX. I opened a Chase credit card account in or about XX/XX/XXXX. I made regular purchases of cryptos on XXXX using his Chase-issued credit card beginning in early XX/XX/XXXX. Up until and including XX/XX/XXXX, Chase treated all of my purchases on XXXX  as ordinary credit card Purchases under his cardholder agreement.

When I made additional crypto purchases from XXXX, using the same Chase credit card, on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, Chase suddenly treated all of these purchases as Cash Advances, and assessed at least {$90.00} in cash advance fees and over {$160.00} in cash advance interest charges ( as of XX/XX/XXXX ). Despite calling Chases customer service line to complain about the surprise charges on his account, Chase declined to remove them. I was forced to pay and did pay these surprise cash advance charges in full.

At no point did Chase attempt to notify me neither before nor immediately after I executed my latest crypto purchases that such purchases would be treated as Cash Advances rather than Purchases under his card member agreement.

Had I known that Chase was going to begin treating my customary Purchases as Cash Advances, then I would not have used my Chase credit card to buy cryptos on or after XX/XX/XXXX, and would not have incurred or been forced to pay the cash advance fees and interest charges that Chase levied against me.

Chase Bank USA, N.A. is domiciled in New York and is one of the largest national banks and credit card issuers in the United States. In late XX/XX/XXXX, Chase abruptly altered its customers credit card terms without notice such that any crypto purchases made by card members would be treated as Cash Advances rather than Purchases.

Due to my 0 % Transfers I made and 0 % APR on Purchases, this XXXX Transactions and Cash Advance Interest can not be paid in full till the other Balance is fully paid.

The Truth in Lending Act, at 15 U.S.C. 1637 ( i ) ( 2 ), requires credit card issuers to provide a written notice of any significant change, as determined by rule of the [ U.S. Consumer Financial Protection ] Bureau, in the terms... of the cardholder agreement between the creditor and obligor, not later than 45 days prior to effective date of the change.
I believe the 30 day late payment marker on my credit report by XXXX should be removed. XXXX made an error where they stopped my auto pay, never notified me that auto pay had stopped, allowed a missed payment to happen, did not send out my statement on time, and never contacted me regarding the missed payment. 

I have had auto pay set up with my roundpoint mortgage from the XXXX time I started payment. Sometime between XXXX XXXX and XXXX XXXX the auto payment stopped. I did not realized it had ended and thus missed a payment. There was never any communication from roundpoint that my autopay had stopped and a payment was not made. No phone call, email, or letter. I did not notice the missed payment until I received my follow on bill. In the attached statement you can see where the statement was sent 1 day prior to the payment being due. 

Once I realized the payment had been missed I immediately paid both the missed and current statements. I also reenrolled in auto pay. No reason was ever given as to why auto pay stopped or why the statement was late. 

I find it disingenuous that roundpoint has dinged my credit even though I have never missed a payment and was relying on their auto payment system. Further I was told it was my responsibility to check my statements but even in that case roundpoint did not get my statement out to me on time.
Submitted an complete Loan Modification packet on XXXX XXXX, 2015 to Fay Loan Servicing. 
We have not had a return call or email response from Fay Servicing.
Chase bank customer service has notified me earlier this afternoon that they are ending the relationship with me all because of a fraudulent check. The person who sent me the check said it  was US C ertified and it will clear within a week. But it did n't, and they ended up freezing my account to where I ca n't use it. I went to a manager today on  XXXX   XXXX ,  XXXX   XXXX , LA and showed him the police report stating that I am not responsible for the mishandling of account. I have  XXXX  case numbers to prove it. My family who work for the police station is working with me on getting those people arrested and sued.  XXXX  has already removed several charges on my SLATE card that was unauthorized if you requested to check on this.     I 've had too many problems with chase customer service that I 'm at the point of leaving them for another bank. They did n't think I was a good customer while  XXXX   XXXX  did and understood what I was going through.     If they do n't get this problem fixed and decide to report me to  XXXX  I will be notifying the department of treasury at the white house for illegal closing of an account without a good reason.
I contacted LexisNexis about ( 2 ) Fraudulent Bankruptcies that were showing on my credit report : Case XXXX & Case XXXX I received a letter from LexisNexis that I am attaching to this complaint that they deleted Case XXXX because they had reviewed it and found it to be fraud, but they did not delete XXXX XXXX, and that makes absolutely no sense, so I am not sure if this was a mistake they made and meant to include both but over looked one or accidentally left it off, however they both were fraudulent and both need to be deleted. Both of these bankruptcies were filed in a state I have never lived in EVER and they were both filed within a years time period which violates the law regarding bankruptcy filing time period for a chapter XXXX or any other type bankruptcy for that matter, it is impossible and ca n't happen, so both of these bankruptcies are fraudulent, not just one of them. Both of these bankruptcies also have the same Judges initials on both so again they are both fraudulent and need to be immediately deleted. Also LexisNexis needs to notify the credit bureaus to make them aware that these have been deleted so they can update their records and remove the fraudulent information because all 3 credit bureaus are still showing this fraudulent information. Let me state again that I have never filed any bankruptcy and have never lived in S.C. where these bankruptcies were allegedly filed, so neither of these bankruptcies are mine and I would sincerely appreciate this matter being resolved immediately because this is defamation of character.
See Attachment
I sent a check to Santander Consumer USA Inc . It was returned to me because they say the check was damaged. However, if you look at the copy of the envelope they scanned and provided to me, it was not damaged. 

The check literally was cut with scissors to remove the number XXXX in my checking account number ; tape was applied. They sent it back saying my check was damaged.
I received a letter from XXXX. XXXX  XXXX XXXX stating my account has been assigned to their agency for collection. The debt was originally for XXXX XXXX XXXX XXXX and the amount owed is {$3600.00}. The letter is dated XX/XX/2018. This debt was not incurred by me ; I have never been to this establishment. I believe this is an error in billing or a fraudulent identity scam. XXXX. XXXX XXXX XXXX has put this case on hold and advised me to submit a claim to the consumer FTC. They strongly recommended that I check my credit rating for other fraudulent activity.
Went to go get a student loan as I am a current XXXX senior in college and I was denied due to adverse information on my credit report. Knowing this should not have been the correct information I reviewed my credit report and had seen these accounts by XXXX XXXX and XXXX XXXX. I have contacted the office of the Attorney Generals office of CA XXXX XXXX, which I filed a theft report with along with the Federal Trade Commission and the XXXX XXXX Police Department. I certified with all 3 Federal and State Agencys that under the law or Perjury I certify all is true and correct, I am the victim of fraud that took place with XXXX XXXX & XXXX XXXX. Also I have contacted XXXX XXXX of the XXXX Firm to help me in the event that I need to file paperwork with the XXXX County Court.
I had a rental car stolen from me in XX/XX/2015 and got it back and returned it. I offered to pay the company an additional {$200.00} over {$360.00} owed for the trouble. They in turn ran a fraudulent invoice for {$3000.00} thru my Chase bank account. Chase, instead of helping me fight the fraudulent invoice, garnished my entire social security check for 3 months. It is AGAINST THE LAW to garnish any part of a social security check ( XXXX  ). Every time I fought them to get it stopped they gave me provisional credit then took it back bouncing every payment made off that check and charging me service fees. I lost my home of 17 years, everything I owned and my car got repossessed. I want my credit restored and every payment owed by this to be paid by them, my money returned plus the charges they accrued and billed me for in excess of {$50000.00}. It is AGAINST THE LAW to garnish XXXX  in full or part according to the FEDERAL GOVERNMENT. I sent them  evidence of the fraudulent invoice which they used against me as " proof '' I owed money instead of proof of fraudulent activity.
I have been trying to go through the process for a Home Loan Modification for the past several months. I have been working with a Company Called Rushmore LLC. I have been in contact with them on several occasions to help me with a XXXX. I have faxed a complete package to them, and I have also had my son to email the requested items. I was told either i was missing something or they did n't receive it as of yet. I have followed the checklist of items that were required in order to have a complete package. I would call to advise that the information has been sent via email or fax, but at the same time i would be told by XXXX of their representatives that " we are not going to help you, we are just coming to get the house since you ca n't make the payment '', and this was a very very hurtful thing to hear. The reason I was seeking Financial assistance due to my life partner be XXXX, and I could not afford the medical expenses, cost of XXXX, and a mortgage payment. My life partner recently passed in late XXXX of 2016 from her battle with stage XXXX XXXX XXXX. Also, while in this process for a modification I made a terrible discovery from my bank, when I tried to apply for a loan. I found out that my dream home was in foreclosure, and here I am thinking I 'm doing everything possible to prevent this from happening. I also received an Anonymous letter " stating that we are coming for the house '' and low and behold I received a letter stating I had to be out of my dream home by XXXX XXXX. Also Rushmore stated that they sent of a letter stating that I was in Foreclosure which they did n't not. The only thing I received was a decline letter.
Call repeatedly. When phone is answered they disconnect ... then will call again later ... multiple times daily. No collections outstanding.
XX/XX/XXXX My complaint is being filed against : Self Lender.com XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX To whom this may concern : I have contact the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. 

I spoke to Self Lender and we agreed to close my account because my employment was not stable because my store was closing on XX/XX/XXXX. Self Lender sent my deposit check back to me minus fees and 4 days ago closed my account and You incorrectly posted my account has 60 days late and closed. 

Self Lender has ruined my credit score, My XXXX score dropped from XXXX to XXXX   in one day. 
My XXXX score dropped from XXXX to XXXX in one day. 

I am contacting the CFPB and filing a complaint. 
I sent Self Lender an email this morning and have not heard from Self Lender yet. 
I am seeking the Self Lending account removed from my credit report and my score updated to reflect my previous score. This has been a terrible experience. I thought Self Lender would help increase my score not destroy it. 

Thank you CFPB for you assistance in this matter, Thank XXXX for you helping consumers. 

Yours Truly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Maryland XXXX XXXX XXXX
This is incorrect information. The company removed it because it is incorrect. Now, it is being reinserted. It is incorrect reporting. 

XXXX XXXX BANK XXXX XXXX A Account Number XXXX Account Type Collection Terms Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Unknown Payment Status Details - Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit -  Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Ownership Individual account Original Creditor XXXX XXXX BANK NEVADA XXXX A XXXX Company Sold-to - Original Amount {$700.00}
On XX/XX/XXXX a dept validation was sent out to Portfolio recovery. On XX/XX/XXXX I received mail from them explaining that they had validated my account and enclosed documents. The documents they enclosed did not validate the account. My signature was on no such document, I do not have a signed contract with them.
Midland Funding said they sent me proper notice, which they did not, I also sent a letter to them to see if we can work out some type of arrangements on this debt and no response. Each time I reach out to them it is no response. This alleged debt is damaging to my credit and I need it removed. They failed to validate the debt and they fail to respond to work out some type of payment arrangements so this can be removed from my credit report.
I applied for a Capital One Credit Card and was declined. I have a XXXX FICO Score and do n't understand why I was declined. 

Can you please let me know why I was declined.
XXXX XXXX has two open collection accounts on my credit report that is old debt that they continue to resell/renew to maintain open status. Also XXXX XXXX continues to call multiple times per day to my home, my cell ( never provided them the number to any of the following ), my spouse, my in-laws, my parents, my deceased grandfathers home ... multiple people have asked them multiple times to stop calling, but the calls continue. I have blocked multiple numbers but to no avail they just call from another number. They are harassing me and my family over debt that is old.
I never recieved this bill could be it was never forwarded to my new address. But if this is a medical bill it should have been covered by my insurance.
I have been paying Beneficial Member HSBC Group for the last XXXX yearsand I am in the final year of payment. I just found out that BeneficialNEVER reported this to the Credit Bureau. Is this legal? I have nevermissed a payment nor been late. This is XXXX years that should have beenon my credit report. Please help!
I receive calls from XXXX several times per day. I answer the phone and it is a computerized voice saying this is an attempt to collect a debt and to please wait while they connect me. Then the phone goes to a very fast beeping tone. I am never connected to anyone and then they hang up.
I submitted a complaint about loan servicing. The number of that complaint is XXXX. I do not consider XXXX to be a " going concern ''. I asked to be informed about the process for transitioning my loan to another servicer in the event of XXXX bankruptcy. The response was that there would be a response within 60 days. I do not consider this to be a response. I have no reason to believe that XXXX is devoting sufficient and adequate resources to support its business offering.
This is just an inquiry about mortgage insurance. I had a financial gift from a friend to purchase a house and in the interest of keeping my monthly payment low, my most important criteria, I opted to pay the mortgage ins up front, lump sum, so it would n't be added to my monthly bill. I was XXXX and it was my first home purchase, in 2014. I did this solo with no outside assistance, and though my intellect is good, financials make my eyes cross. Aside from that, everything is done so quickly, it 's hard to grasp what is actually happening. I opted to buy it up front, in the amount of {$4000.00}, thinking this would cover me for a few years until my record was established, and though they did ask me more than once if I was sure I wanted to do this, I do n't know if consequences of this decision were relayed to me. I do know nobody said this was not a wise decision, that I would likely end up losing more than I was getting. When my mortgage was sold after about a year, that money vanished. I 'm sure my mortgage insurance payments would not have been $ XXXX for 12-18 months, and mortgage ins never came up with the next mortgage company. When I refinanced with a different company, I was told that money was gone. I 'm just wondering if there 's any possibility of recouping a portion of these funds. If not, I have to accept that, but it seemed, at least in hindsight, that this was an area in which I was taken advantage of, being a novice in this situation. Thank you.
Hello, i have been a long time american express customer with XXXX cardholders on my american express account. A couple of years ago american express began automatically placing chargers over a specific amount ( I believe it was any transaction over {$150.00} ) into a pay over time category which is not payable in full at the end of the month and accrues interest of approximately 16 %. Initially we did not know transactions were not automatically moved to this category so there were transactions for both card holders included in this pay over time balance which accrued interest and grew over time. on several occaisions i have contact american express to provide the pay over time balance and accrued interest balance disaggregetaed for each card holder. american express has been unable to provide this information to me. Having this information is imperative for card holders especially since the pay over time election is made my american express ( i asked american express to remove this function however pay over time chargers recur on my account from time to time ) and the fact that interest accrues on this balance. i will say that the reporting on the pay over time balance has improved over the years ( a couple of years ago it was almost impossible to determine the entire pay over time balance, now this information is available in summary form ) however the data available to cardholders is insufficient to properly track charges and manage monthly payments.
I submitted a disput to equifax stating there were errors in the two bankruptcy entries I have on file. I responded to the courthouse and they gave me the correct dates which were reported wrong by equifax. I was also told there would not disclose any of my records to the CRA and their information from XXXX XXXX was inacurrate. So with that i filed a dispute and under the FCRA the CRA would have to delete any information that was inaccurate. I received an alert from XXXX XXXX the information was indeed deleted on XX/XX/XXXX, but then the same inaccurate information reappeared on XX/XX/XXXX. No proper investigation in my opinion was done and they should delete.
Saying that I owe them for cable service in XX/XX/2013 when I didnt have cable in XX/XX/2013.
Demands I send them money using a prepaid credit card instead of me sending them payments through my bill payer. It 's a credit card debt I had several ago and they XXXX XXXX XXXX XXXX. They have just started calling me this month.
Getting repeated calls from XXXX XXXX XXXX asking to speak to someone on their list that they are trying to collect a debt from. The people they tend to call about have my same last name and first initial, suggesting they are using intrusive automation ( I believe the term is 'raking ' ).
I have outstanding debt on my car loan with M & T Bank. I have been called XXXX times in the last XXXX days about this. I have explained my situation several times to them and they have even told me they have posted it in my notes. I have told them the earliest I could make a payment was XX/XX/XXXX. They have called me XXXX other times to try to get payments. I told them they could post date a payment for XX/XX/XXXX and they told me they ca n't post date it that far in advance. They can only post date it to the XX/XX/XXXX. This is a form of harassment and I want legal action to be taken against M & T Bank. I am unable to refinance the loan because the bank has told me I would have to be present with my father to do that. I live over a XXXX miles away from my father and am unable to travel back home for that. My credit has taken a severe hit because of this loan. I tried having my personal bank take over the loan and due to my credit it would have been too risky as they say to buy out the loan and refinance it. I am losing sleep over this.
Please consider this letter as my formal complaint against XXXX XXXX who has not placed a notice of dispute on my account within 30 days of my dispute. 

I have sent a certified/return receipt dispute letter to XXXX XXXX requesting verification of balance owed on the closed account. This dispute letter was received by XXXX XXXX on XX/XX/2018. I sent another certified/return receipt letter informing XXXX XXXX that the notice of dispute was not furnished to the credit bureaus. This letter was received by XXXX XXXX on XX/XX/2018. 

XXXX XXXX  has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

They are liable for willful noncompliance, as per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( i ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
All the charges I have paid for Coinbase within the last month and beginning of this month, has been charged to my bank account twice.That is absolutely absurd and uncalled for.
The Great Lakes ppl I have called multiple times! I did n't even know I had s defaulted loan! I pay all the other loans! Auto pay! So where is this loan! I ca n't find it and I could n't get a home loan!
XXXX XXXX failed to remove a debt from my consumer report after requests for them to provide validation pursuant to the Fair Credit Reporting Act. Two collection agencies failed to validate the account but XXXX XXXX still reports it on my credit report. 

Please see the attached documentation and court filing for further information.
Comerica XXXX Bank XXXX was entrusted to be my mothers mineral rights trustee and managed the trust from XXXX/XXXX/XXXX thru, upon their resignation date of XXXX/XXXX/XXXX. As successor trustee I reconciled the trusts known income and known distributions during this timeframe with our CPA and have come to the conclusion that Comerica embezzled {$47000.00} for the XXXX tax year. After their resignation and all transaction we completed thru XXXX/XXXX/XXXX, I formally sent them a 'notice of accounting objection ' with still no response and we determined the exact balance of {$38000.00} still owed the trust as we speak.