WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for an offer in XXXX XXXX, 2016 from American Express that offered XXXX points after spending {$3000.00}. The offer was publicized by a well-known affiliate of American Express, XXXX. I met the spending and was granted the points on XXXX XXXX, 2016. Almost 10 weeks later, the points were removed on XXXX XXXX, 2016. When I inquired about this matter, I was told that I did not meet the spending and Amex waited until after the spending period was over to remove the points and communicated nothing to me in the meantime about any spending being ineligible ( the link is XXXX ). It was not a coincidence that Amex waited until after the promotional period to remove the points. They did not want to give any indication that in their view the bonus was not spent during the promotional period because it would give the customer an opportunity to understand the spending position and supplement any spending. These points should be credited immediately.
In dealing with Discover Student Loans, I have found it impossible to remove my parent/guardian as a cosigner from a small student loan (with more than 48 consecutive on-time payments). I have applied twice to get my parent/guardian removed as cosigner, and each time, Discover provided me with conflicting information about whether this person was removed or remained on the loan. Once I was told my parent/guardian was removed. Twice I was told that person remained on the loan. I have zero confidence in their cosigner review/release system. Questions specific to the review process inquire about age and career level, which I believe can be used to discriminate. I have a high income, low debt ratio. My credit score is considered excellent, and I have had a full-time job for with above average income for several years. Still, I cannot get a cosigner to be removed from a $XXXX  undergraduate loan. I want CFPB to look into the process by which Discover Student Loans grants applicants the ability to remove a cosigner. I believe they are taking advantage of the system and denying requests outside their rules and guidelines. And I believe that they are discriminating against applicants on the basis of age.
On   XXXX    XXXX  2017, I had   XXXX   pending transactions. The second transaction would cause my account to be overdrawn by {$0.00}. I had previously been told that when pending transaction will cause the account to overdraw, a deposit needs made by  XXXX . I made a cash deposit before the cut off time on  XX/XX/XXXX . This gave me an end of day balance of {$0.00}. However, on  XX/XX/XXXX , I was still assessed a {$39.00} fee. Yes, I was charged {$39.00} for a   XXXX   XXXX   overdraw. The supervisor  XXXX  - made an exception to the policy and provided me with a {$39.00} credit today. The issue was caused by Key Bank 's posting order. Because the transaction had been made in a prior business day than the deposit, the transactions posted first - even though they had not posted at the time of the cash deposit. The supervisor confirmed, had the deposit been made a day prior, or the transactions posted a day later, the deposit would have prevented a fee. However, because the transactions and the deposit posted on the same day - a fee was assessed.
I had a similar issue in  XXXX . On  XX/XX/XXXX , I had a transaction overdraw my account by {$0.00}. I had   XXXX    additional pending transactions that would have overdrawn my account by a total of {$16.00}. On XX/XX/XXXX , the pending transactions had not yet posted and I had not received a fee. Before the required cut off time, I made a cash deposit of {$20.00}. This gave me a positive balance of {$3.00}. However, at end of day on XX/XX/XXXX , I was charged a fee for the prior, posted transaction of {$39.00}. This caused my {$20.00} deposit to not be enough and then I was charged  XXXX  additional fees of {$39.00} ( for a {$10.00} transaction and a {$5.00} transaction. ) Three days later on  XX/XX/XXXX , I was charged a " Recurring Overdraft Service Charge '' of {$28.00}. So, essentially, for overdrawing my account {$0.00} and due to Key Bank 's posting order, I received a total of {$140.00} in fees. I made a deposit to cover the two pending transactions. When I viewed my account, there was not a fee yet. At the time of my deposit, I was provided with a balance of {$3.00} ( POSITIVE ). Yet, due the posting order ... The fee posted first, making my deposit insufficient for the other  XXXX  transactions and causing additional fees.
I understand that I may not be the best customer. I understand why overdraft fees are in place. And when the fees are fair and the posting order not deceptive, I pay them. As much as I try to avoid them, sometimes life gets in the way. I 've definitely paid more fees than I 've had waived. However, I think we can all agree that a {$39.00} fee for a {$0.00} overdraw is unfair. The punishment does not fit the " crime. '' I think we all agree that {$140.00} for a {$0.00} error is unfair. The punishment does not fit the " crime. '' The posting order that key bank uses, in my opinion, is designed to cause more fees to customers. This, in my opinion, is an unfair practice.
Company shares debt information to our bank for properties in which the bank had no interest, in effort to defame and or attack our character. We had attempted to set up payment agreement, with tax office which did not or was unwilling to make arrangements. We had paid XXXX on our debts. The bank was given personal debt and business debt information that was not related to them in any shape or form. 
The letter that was received by the bank also had a cc remark as to deceive the bank into thinking we received a copy of their letter, which was not.
In servicing my mortgage payment in early XXXX XXXX, Bank of America ( BofA ) applied a {$550.00} payment incorrectly, putting over {$500.00} to interest when the correct amount should have been {$19.00}. My wife and I had originally taken out the mortgage with one of the Bank of America 's predecessor financial institutions in XXXX XXXX. At some point, BofA ( and for several years ) had used XXXX ( formerly XXXX ) XXXX as its servicing agent. for the past few years, I had been making electronic payments to XXXX every two weeks, consistent with my payroll frequency. I was also paying slightly more than required with the aim to complete the mortgage a few months ahead of time. I had no issues when XXXX had serviced the loan. 

In XXXX of this year, servicing reverted to BofA. The very first electronic payment I made to BofA upon them servicing the loan was missapplied with the bank applying {$520.00} toward interest and only {$28.00} toward principal. This contrasts to the last payment I had made to XXXX in late XXXX wherein over {$500.00} was properly applied to principal and about {$21.00} was applied to interest. Also, in later {$550.00} payments made to BofA, the amounts applied to principal were consistently over {$500.00}. 

I have contacted the bank on at least five occasions beginning on XX/XX/XXXXnd while each person I had talked with seemed to think an error had been made, none of them were permitted ( by their job duties ) to correct the error. On three of those occasions, I was told I would receive a call back, but to this date, I have not. On one of those occasions, I went to a local branch thinking that might help resolve the situation, but it did not. As the error is in the bank 's favor, I feel that they are not motivated to correct anything. 

In one of those calls, the agent had told me that I was not permitted to make payments more than on a monthly basis, so there calculation was therefore correct. This was nonsensical, as the frequency of payments has nothing to do with how simple interest is calculated. 

This has been especially frustrating as I am a CPA and an auditor with a strong mathematical background. I know the correct calculations and have proven them out using XXXX, yet I can get no satisfaction, much less a return call, from BofA. I am toward the tail end of this mortgage, with the aim of having it paid off in full in XXXX XXXX so I ca n't wait long for a resolution.
A company called XXXX has reported to Transunion that they are trying to collect a bill from me. They say it is from XXXX XXXX XXXX. Several years ago when I had XXXX XXXX XXXX XXXX I had a procedure done at XXXX XXXX XXXX. It was covered under my insurance at that time. I spoke with someone at XXXX XXXX XXXX and they said they would work with my insurance company. They told me they it resolved and now several years later this XXXX pops up claiming that I owe money. Please help me!
Consumer complaint narrative I pulled my XXXX credit report and noticed they have 4 variations of my name and some of them are spelled incorrectly. They are listing 3 addresses and two of them are no longer deliverable by the United States Postal Service. I sent a letter to have them update my information to show my correct name and address and to remove all other variations. I received a response to go track down whoever is reporting these incorrect names & addresses. As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. The other credit reporting companies had no problem updating my information and removing all others. I am not going to chase down 9 different companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct. They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed. They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information. I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.
XX/XX/XXXX-XX/XX/XXXX I found and got XXXX items off of my report that was fraud so after that I put an alert on the account to prevent anything else form happening. Well I am wanting to buy a hime but with all the inquires on my account that was not done by me, I put a freeze and am going to file a police report. I work and go to school full time. Well I did speak with all XXXX creditors but does n't seem like I am getting anywhere. I would like for all the items that I did not do to be removed when I asked and called them months ago and it still seems that there are inquires and things on my report that are getting on my report with out me even knowing on what is going on. My credit score has dropped over XXXX points. Now I ca n't get a loan and even when I pay all of my accounts on how it 's supose to do.
I went to make a purchase at XXXX and attempted to use my XXXX credit card issued through Comenity Bank. The sales associate called customer service to find out why the card had been declined even though it was paid off a few days before. I was told by the representative that my account had been closed a few days prior because of " credit inquiries '' and that I was considered " too risky '' to do business with. I have paid my bills on time and in full every month. I was also told that all of my other accounts through them had also been closed, all of which were also paid on time and in full each month. I never received anything from them stating that they had closed my accounts. I upheld my end of the agreement by paying my bill on time each month.
WHEN I SPOKE TO THIS COMPANY XXXX THEY PROMISED ME A PRODUCT THAT THEY INFACT DID NOT KEEP THERE WORD. I PAID THEM XXXX ON XX/XX/13 BY DEBIT CARD AND AFTER PAYING THEM THEY DID NOT ANSWER MY CALLS NOR RETURN MY PHONE CALLS. I HAVE TRIED TO LET MY BANK KNOW THAT THIS COMPANY WAS A SCAM BUT THEY SAID THAT THERE WAS NOTHING THEY COULD DO. THIS COMPANY WAS A SCAM THEY FRAUDED ME. I NEED MY MONEY BACK. PLEASE HELP ME
Midland funding llc is continuing to report a debt from XXXX XXXX that was fraudulent and they are also reporting false information to the credit bureaus by showing a XX/XX/2014 collection date, which is not the original date the card went into default from the fraudulent activity.By doing this they are in violation of the FCRA and FDCA and other numerous state and federal laws that prohibit these collection tactics by re aging a date or showing the wrong dates to make it look for negative and impactful toward a consumers credit score.This has caused numerous issues with me getting turned down and higher interest rates from other creditors, I have had numerous lawyers attempt for to act against debt collecting company as this one for these violations of the FCRA XXXX FDCA and TPA as well that I had a problem in the begining, I had decided not to do so hoping the company would comply, since I able to sue for damages per violations and monetary damages as well, Which is not what I want.
On XXXX XXXX, XXXX at XXXX a.m. XXXX. I spoke with an attorney for XXXX XXXX from phone number XXXX. At that time, the attorney wanted to get the jist of my complaint to the Consumer Financial Protection Bureau. I advised the attorney that I did not recall the loan and that I had a live in fraud alert on my credit bureau because my former live in boyfriend had stolen my identify ( which I did not find out until months later ). I did not get to take advantage of these funds and after being threatened repeatedly with jail and repossession of my vehicle by their XXXX I paid the bill out of fear. 

Subsequently, the attorney under both the American Bar Association Regulations and Federal Statutes has a duty and an obligation to review the complaint. According to 15 U.S.C. 1681c-1 ( h ) ( 1 ) ( B ). & FCRA 605A ( h ) ( XXXX ) ( B ) Potential creditors must use reasonable policies and procedures to verify the identity of an applicant before issuing credit in the consumers name. 

In reviewing the loan documents XXXX XXXX referred over there was no proof of identity provided. No copy of my original signature or drivers license that would be the very least reasonable procedure instituted and is industry standard when faced with any consumer transaction, especially those involving identity theft. 

I have made attempts to resolve this with the company that at this point is destroying my credit and causing me to incur damages as a result of their refusal to comply with state and federal laws. I kindly request that the following item be deleted from my credit report as it is not mine. If XXXX XXXX continues to blatantly violate the law, I will be forced to seek civil damages and injunctive relief. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, UT XXXX
On XX/XX/2018 me and my wife { XXXX XXXX XXXX & XXXX XXXX XXXX } open an checking account at Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX after three day later XXXX XXXX tried to conduct banking business on Monday XX/XX/2018, XXXX XXXX was then informed by the teller that our checking account was suspended. she { XXXX XXXX } then consulted with XXXX XXXX Assistant Branch manager for further information regarding the account, XXXX XXXX reach out to account recovery department, and they informed her that " XXXX XXXX XXXX have a XXXX XXXX dollars that have been charge off by the bank '' XXXX then informed me { XXXX XXXX XXXX XXXX I then reach out to account recovery and branch manager XXXX XXXX they informed me " we can not give you that information and we can close your account without given any reason 's " Account Recovery Department informed me that " if you removed your self from the checking account XXXX XXXX XXXX can continue to have her checking account " on XX/XX/XXXX XXXX we have received letter by mail stating ; " We have blocked the accounts ( s ) above and will close it soon. We're doing this because of recent activity on the account ( s ), or because you didn't provide information we requested " reason 's  given by the bank was not accurately given. there was no fraudulent activity on the account and we have provided all the information requested, Chase bank is continually refusing to address my concerns first, XXXX XXXX dollars was included in bankruptcy eight years age, secondly, refusing to give reason 's why Chase Bank does not want me on the account. It appears that Chase Bank is engaging unfair discriminatory practices and mistreatment, this is violation of my civil rights Title 18, United States Code, Section 242
I dispute the " Date Opened '' as reported on my Equifax credit report. XXXX ( through their subsidiary XXXX XXXX XXXX ) provided me with a collection statement indicating the correct opening date of the original debt is XX/XX/XXXX. Equifax is reporting the acquisition of the debt ( XX/XX/XXXX ) as the opening date of the debt. I have disputed this with Equifax and they have failed to update the report accurately.
XXXX XXXX, XXXX XXXXTook out a payday loan with the Cash Factory out of XXXX XXXX. Due to medical reasons I was unable to pay back on the due date. Once I returned to work I spoke to a woman at the XXXX XXXX and worked out a payment arrangement. The arrangement was to divide the balance into XXXX payments of {$310.00} every other week. The complaint I have is during the call ( which I 'm positive was recorded ) I was told that I would be able to move a payment out if I was unable to make the payment. I was told that I needed to make a single payment in XX/XX/XXXX. I made the payment. The next payment was due on XX/XX/XXXX. When I called to move this payment out I was then told that I could n't move any payment except with in the month that it was due. So I was told that I had to make the XX/XX/XXXX payment and could move it to today XX/XX/XXXX and only that date. I moved it to today XX/XX/XXXX but rent was more important than that payment so I 'm unable to make the payment. I was told if I did n't make the payment they would be able to come after the whole amount at any time on any date which through the initial agreement will be on a Friday pay day because now they know my bi-weekly pay dates. 

I was lied too during the initial call about moving out a payment which became relevant during the subsequent call where she stated I could not move any payment.
we have XXXX complaints XXXX is with Caliber Home Loans they took XXXX homeowners premiums from our escrow XX/XX/XXXX and they are trying to make us repay our own money they cut a check to XXXX XXXX XX/XX/XXXX and stopped payment on this check after they over nighted a check to XXXX Then XX/XX/XXXX they went up on our payment XXXX dollars a month saying we were XXXX dollars short in our escrow we went to an Attorney and at first he said they were wrong but two weeks later he says they are right
Hello, This complaint is about Re-Aged XXXX XXXX/XXXX account. 
I signed up for an XXXX XXXX store card sometime in XX/XX/XXXX. I bought a house and move in XX/XX/XXXX.  At this time, I called XXXX XXXX and asked them to update my address. However, I think the representative forgot to update the system or for some reason, XXXX XXXX kept sending bills to my previous address so I never received them. I rarely used my XXXX XXXX card so didn't realize I was missing a bill from XXXX XXXX. Instead of contacting me by any other method such as a phone call or an email about this unpaid bill, XXXX XXXX decided to close my account and reported this on my credit report. Initially, the Date of First Delinquency of this account was  XX/XX/XXXX  or XX/XX/XXXX, since at that time I missed my first payment. However, in my recent credit report, this date has been changed to XX/XX/XXXX. and XXXX XXXX keeps reporting it every few year. This is a malpractice under Section 623 ( 5 ) ( A ). 

I received a call from XXXX sometime in XX/XX/XXXX about this debt, and I agreed to pay it off if they would take it off my credit report. The agent agreed to it, so I paid the amount with an interest. However, instead of removing this account from my credit report, XXXX XXXX re-aged the debt and keeps reporting it on my credit report every few years. The original debt/bill was only for {$48.00} dollars. I paid over {$58.00} with an interest.
Transunion failed to positively verify the account, and has hurt my ability to obtain credit. XXXX XXXX XXXX  XXXX XXXX was never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed
I submitted, an affidavit from the FTC and a valid Police Report for identity theft on an XXXX XXXX account that is NOT mine the account number showing is XXXX. They are refusing to follow the law as XXXX and XXXX have already done. I have called in and I have faxed in verifiable documentation and this account is still on my credit report! Please help me I 'm trying to get a house and this is holding me back! I need your help ...
I am submitting this complaint in regards to Capital One Credit Cards, I just realized after so long since my last complaint directly to this company that my over limit balances continues to increase over and over again, due to Interest increases, past due fees ( due to the fact that even if paying regular payments and not the minimum, that purported late fees and over limit fees of XXXX ) keep superseding the credit limit balance even when the card has not been use or charge for any purchases in the last 3-6 months. I need help I continue to make more than minimum payments and it continues to go over the limit and incurring over limit fees, so far each month I am incurring fees and charges. These are the charges that I have become aware I am getting charged every month regardless of how much I pay to this company XXXX interest ( which is acceptable ) past due fee {$39.00} along with a XXXX over limit fee. I was told by a friend that I needed to submit a complaint with the respective authority that oversight and supervise these type of abuses or deceptive practices from these credit card companies, I have already dispute and discussed these abuses with Capital One representatives and then escalating the matter to a supervisor, but they continue to be reluctant and pursue with the same pattern of deception and misconduct which makes it impossible to correct any problems with late payments. Please I need your help so far more than half of the outstanding balances is due to fees and charges this year alone.
XX/XX/XXXX CFPB : XX/XX/XXXX, I paid the Full Balance of my XXXX {$230.00}, so I should NOT have been charged Interest on that Payment. But JPMChase did charge me {$5.00} Interest on that Payment, having erroneously recorded the date that I paid as XX/XX/XXXX. I want JPMChase to refund me {$2500.00} and remove all detrimental information that it has placed against me in its reporting to Credit Bureaus. 

Sincerely, XXXX XXXX XXXX XXXX, IL XXXX XXXX