WillisBack/dataset-financial-user-claim huggingface dataset:
I have had several cards in good standing with Chase and recently had my credit limits cut by 70 %. I understand that Chase must manage its risks in extending credit and may reduce credit accordingly ; however, a drastic decline of credit to just above the outstanding balance creates a hardship to consumers as it directly impacts my credit score as my percentage of credit used goes from 30 % to 100 %. In order to object to the bank 's decision, I had to have my credit pulled again negatively impacting my credit score.
Early XXXX Received an UNSOLICITED credit card in the mail- XXXX rewards XXXX thru Chase Bank XXXX Never applied or requested information about this card. 
XXXX XXXX Received statement with balance of XXXX. Charge is for card services not purchases. No purchases had been made. 
XXXX Called to inquire about charges and how account was opened- card was activated during that call not intentionally. Called customer service- explained situation. Advised to go through dispute department. Request account closed asked to remove charges and sent letter. 
XXXX Received letter saying account is closed but I am still obligated to pay balance of XXXX. 
Now late fees and interest are being assessed - current balance is {$130.00}
Schools First Federal Credit Union is blocking me from linking my debit card to investment applications like XXXX and XXXX. Their support team told me that they currently do n't support these types of accounts.
On XX/XX/XXXX, I got a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I paid dealer {$1500.00} and trade in {$100.00} for my XXXX XXXX XXXX. I contacted dealer twice and asked them why they overcharged me approxiamately {$1300.00} over the XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX Typical Listing Price Breakdown sheet from the dealer. XXXX Typical Listing Price Value is {$6600.00}. 
Dealer charged me {$7900.00}. This is dealer fraud. I want my money back. Dealer stole my down payment of {$1500.00}. The dealer overcharged me for this used car.
In  XXXX    XXXX   I told a representative of Lexington Law Firm that I was really needing to keep in close contact with my paralegal due purchasing a house and I would be having lots of people looking at my credit. I told them that I had been having a hard time getting them to respond by phone, email or even on the chat line. I was told that things was getting better. The next month same thing happened. I did get to speak to some  one  after after I threatened to cancel my services. This representative talked me in to staying on with them and she reduced my fees for my troubles. Ok At the end of this month, I say about  XXXX  or so I started trying to call them. I was put on hold for a very extensive amount of time. Then I sent an email. I asked to be contacted. I also sent several emails to no avail, No one contacted me. I finally decided to cancel my services. I told them to cancel the service and the reason why. All of the sudden, they started sending me emails about disputes and letters they were sending out. I think this agency is a scam because I only got emails when they knew I was getting ready to cancel. Every month they do the same thing right around time to pay they send out status reports. This looks sneaky to me as if they are sending the information when it is time to pay. I have had enough.
In XX/XX/XXXX I made a large payment of {$4500.00} on my account to pay my monthly payments in advance because I was looking to have XXXX later in the year and wanted to ensure that my account was paid ahead so that I would not be delinquent. When I made the payment online, I specifically did not choose the " Principal Only '' option and schedule a regular payment using the other option. What I did not know is that Capital One Auto Finance, per their internal policies, as they have advised me, made the decision without my permission nor did they notify me that they were going to apply the {$4500.00} payment as a principal only payment. For the next few months, XXXX through XXXX, I made my regular monthly payment. When I was out of work in XXXX and XXXX for my XXXX XXXX, I did not make a payment, and in XX/XX/XXXX I started making payments again and made a large payment in XX/XX/XXXX and in XX/XX/XXXX. What I did not know is that Capital One Auto Finance reported my account with them as 30 days delinquent for the XX/XX/XXXX and XX/XX/XXXX payments which have caused damage to my and my wife 's credit report and the denial of credit because of this delinquency. I have spoken with Capital One Auto Finance, and they advised me that it is their internal policy to post payments in this manner and that even with my account being paid seven months in advance they will not remove any delinquent mark from my credit report. They said they feel the delinquent mark is accurate and they only report precise information to the credit reporting agencies. 

I have spoken with several people at Capital One Auto Finance including a young lady who was in the Office of the President. 

I am asking for your assistance in getting Capital One Auto Finance to remove this inaccurate delinquent rating from my and my wife 's credit report.
Ladies & Gentlemen, On XXXX/XXXX/15 I learned my credit card had been used fraudulently to obtain a credit report and background check. I immediately cancelled the card and renewed a fraud alert on my credit report. Thanks to the fraud alert, on XXXX/XXXX/15 I received a phone call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding an attempt by someone to open a line of credit with my information. 

Please remove this credit inquiry from my credit report since I did not apply for this line of credit. 

Sincerely, XXXX XXXX
On XX/XX/XXXX around XXXX I attempted to buy {$1500.00} worth of BTC from coinbase.com My bank refused the charge.

On XX/XX/XXXX I noticed that I was not able to login to the exchange XXXX. I would get the message " error, please contact support. '' On XX/XX/XXXX I called in support at XXXX to ask what happened and they told me my account was flagged because of the charge refused by my bank on coinbase.com.

Please note, I can login to coinbase and NOT XXXX.

On XXXX  I have approximately {$8600.00} on that exchange in my account that I can not access.

The company coinbase has on file, my fingerprints, drivers license, bank statements, passports etc. More than enough to confirm that my account has no fraud activity on it.

I emailed the company on XX/XX/XXXX explaining what happened with my bank and clouded screen shots of emails as well as copies of bank statements. They responded and told me the following " For fastest response, please do not create multiple tickets about your issue. '' It is now XX/XX/XXXX and I still can not login to my account and therefore have no access to my money.

The company is holding my money hostage with no proof of fraud- in fact I have been fully cooperative in linking my bank accounts and providing all identification to prove that I am myself, XXXX XXXX XXXX . I am a XXXX XXXX XXXX with the state of Connecticut and a citizen of the United States and do not appreciate a financial exchange robbing me of approximately {$8600.00} by not allowing me to access my money.

At this point I have called them onXX/XX/XXXX and XX/XX/XXXX and receive similar responses from the customer support team ; that my case is going to a specialist and that I have to wait for a undefined span of time. Also that they can't " tell me that information '' when I ask questions regarding my account.

At first they claimed it would take 4-5 business days to resolve. That time frame has now been surpassed.

I have looked into this issue and it seems that many customers have had a similar issue. The Coinbase/XXXX company blocks people from logging into their accounts and blocks access to their money from anywhere from 1 week to 6 months or longer.

Also since the chargeback occurred on coinbase.com there is no reason why I should be blocked from accessing my money on the gdax.com exchange which is separate website and exchange. I didn't even know that they were under the same ownership as they appear as two separate sites.

Please help me in this matter.

Sincerely, XXXX XXXX XXXX
In XX/XX/2018, I became unemployed. I immediately began looking for a new job, but by XX/XX/XXXX I realized it would take longer than I hoped. I filed for a forbearance program with my mortgage lender in XX/XX/XXXX, and was approved for XX/XX/XXXX and XX/XX/XXXX - although no one is sure why it wasn't 90 days instead of 60. Immediately there began to be problems, as one arm of the company was calling me and sending letters even in XX/XX/XXXX, saying that I was behind in my payments.

In XX/XX/XXXX, I spoke with the loan point person who said it was time to reapply for the forbearance, since the 60 days was nearing its end and I was still looking for work. I submitted my paperwork, and it was received by XX/XX/XXXX. However, no one at SunTrust actually looked at the paperwork, as I was told later that since the program was not " officially over '' meaning the program ended at the end of XX/XX/XXXX, I was supposed to have submitted my paperwork on XX/XX/XXXX. So the XX/XX/XXXX application was never looked at, even though they received it.

By the XX/XX/XXXX I was again receiving calls now saying that I was overdue for XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, and this was also reported to my credit. I resubmitted the packet and it was approved again, and I have had a forbearance that ran through XX/XX/XXXX. 

By then I had found a new job, but it was in XXXX, Arizona, so I was looking to sell the house and move my family. But SunTrust had not only reported the month of XX/XX/XXXX as late, and then as a 60 and 90 day late, ( which they did finally admit was their mistake ) but now has reported the entire XX/XX/XXXX-XX/XX/XXXX as delinquent. I was working on a new 90-day trial loan modification, and am more than happy to fold those payments into a new loan, but I would rather sell the house, and move my family to where my new job is. But this whole thing has so decimated my credit score, that SunTrust is holding me captive, since I can not qualify for a new loan. 

And anytime you try and talk to them, they point to a different department and say " You need to call them. '' And every time you try you speak to someone else who has different information.
Just a few weeks ago, Discover reviewed my Account, and my excellent credit and payment history, and increased my credit limit by {$300.00} to a total of {$2800.00}. I have a XXXX balance. On XX/XX/XXXX, I was told they had done another review, just a few weeks later, and found I had started a new unsecured loan, which was not true, and I had a new negative item, a medical bill. The medical bill was paid but the credit bureaus are slow to remove it. They ignored my excellent credit score and payment history, and the fact that they had given me an increase on my credit limit just a few weeks ago. This is the first time in 35 years of having credit cards that I have seen a company mis-treat their customers this way. They should be investigated. 







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I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both TransUnion and XXXX XXXX   with no successful resolution. XXXX XXXX only reporting me late. There was definitely an error on their part. I was never 59 days late.
I am disputing the charge from, XXXX Business, my credit report, shows i owe, {$1000.00}. i have never received a bill from them and and I was and i am om XXXX and medic care, I have never had any bills. to pay for any services from XXXX
On XX/XX/XXXX I noticed a {$50.00} debit to my XXXX XXXX   account, debited by US Bank. I found out that US Bank debited {$50.00} to cover two separate, identical {$25.00} membership fees that appeared on my XX/XX/XXXX US Bank statement. Im not sure why there are two identical membership fees in the same month, for the same year.

I have not used my US Bank card in recent memory, perhaps for the last couple of years. I no longer have possession of a US Bank credit card, although my account remains open.

As far as I can tell, I was not charged a membership fee in XX/XX/XXXX. I checked my online US Bank statements from XX/XX/XXXX, and no membership fees appear. Additionally, I performed a search of my XXXX XXXX  statements from the last 24 months, and no debits in the amount of {$25.00} or {$50.00} fees appear in my XXXX XXXX activity. My XXXX  account is linked to my US Bank account, and so if I had been charged a US Bank fee in XX/XX/XXXX, I presume that would have been debited from my XXXX account. Had I been told by US Bank that a US Bank membership fee would be instated in XX/XX/XXXX, I would have closed the US Bank account.

I called US Bank and was told the membership fee cant be waived, refunded, or credited. A supervisor there also told me that she does not know if or when I paid membership fees in the past. She seemed unfamiliar and unable to verify if this is a newly instated fee or if I was ever charged the fee in XX/XX/XXXX. When I asked to speak to a higher-up, she told me that is not possible.

I would like US Bank to refund {$50.00} in fees and then close my account immediately.
Experian has  XXXX  items on my credit report that do not belong on there.   XXXX   1.   XXXX   XXXX  Was never late and that account does not even exist anymore. They have even said in the statement they can not verify it but they keep reporting it as paid late. The account was never late, it was never defaulted on. Make them remove this immediately, it is past the 7 years that it is supposed to be reporting anyway.   XXXX   2.  On my  XXXX   XXXX  they have a negative comment that I had disputed this account with them, why it has never been late and always paid on time. Remove this comment immediately.   XXXX  It is apparent they are trying to hurt me financially.
My credit report is continuously showing a balance owed to National Credit Systems that is steadily increasing. Original creditor was XXXX XXXX. I did live here in 2012. There were some serious issues with the apartment complex ( mold, my apartment was broken into and robbed, my car was broken into twice and a homemade bomb was placed on a car in front of our building that blew the car up ). The final straw was when my apartment was broken into and robbed, I then proceeded to get a hold of the manager of the leasing company, after multiple attempts, I was finally able to reach her to explain my situation and that I no longer felt comfortable in my own home with my XXXX  baby. She stated that I only had 2 months left of my lease so she would agree to let me out of my lease early as long as I was out by the end of that month, as my rent for that month had already been paid. I did as she asked and left the apartment clean before the end of the month, leaving my keys in their drop box. About 3 years later, I tried applying for an apartment complex in my local town who informed me XXXX XXXX reported I owed them $ XXXX- {$6000.00} for breaking my lease. I was never, not one time, contacted by them to have this settled from the beginning, by the time I was aware, it was too much for me to pay, as well as I felt like I wasnt responsible for this as the manager had verbally agreed I could leave with no problems. Now here we are over 6 years later and I can not find anyone to rent to me due to this and National Credit Systems is continuously increasing my balance, which I was informed is illegal. Once a debt is in collections, it should not accrue interest of any kind, is what I was told. My XXXX children and I are facing homelessness purely because of this issue. I currently work for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with steady income and need housing by the end of February and this is making it extremely hard for me. I have been trying to get this dealt with for so long, on so many different occasions and have gotten no where! The balance is now up to over {$11000.00} and there is no way I can get this taken care of before XXXX, especially considering I shouldnt have owed any money to them in the first place. And, why is it steadily increasing?
I received a call from Zwicker and Associates on XXXX/XXXX/2015 from phone number ( XXXX ) XXXX. I returned the company 's call and inquired as to what they were calling about. The representative I spoke with confirmed that they called me in error and that they had no account related to my phone number. I received another call from Zwicker and Associates on XXXX/XXXX/2015 at XXXX. I do not have an account in collections and the debt they are contacting me in regards to is not mine.
I opened a checking and savings account with CITI BANK and completed all the necessary requirements to receive the incentive offered by the bank. After completing all the requirements ( ATTACHED ) and verifying that I have completed all the requirements every step of the way, CITI BANK still has FAILED to credit my account. 


Representative XXXX on XX/XX/2018 explicitly stated " Therefore you should be expecting the bonus no later than XX/XX/2018. '' ( ATTACHED ) Representative XXXX on XX/XX/XXXX at XXXX XXXX stated " After this please allow 90 calendar days for the promotion bonus to be credited. Which will be on XX/XX/18. '' ( ATTACHED )
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion, XXXX, and XXXX  are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with nor do I have a signed contract with. They are unverified, hurting my credit report and MUST be removed according to the FCRA. <P/>XXXX XXXX, {$1300.00} XXXX XXXX XXXX XXXX, {$950.00} XXXX XXXX, XXXX, {$580.00} XXXX XXXX XXXX, {$330.00} Ad XXXX XXXX, {$310.00} XXXX XXXX XXXX XXXX I have NEVER done business with any of the above companies. The above collection companies can not provide an original signed contract with my signature and therefore MUST be deleted from my credit report. <P/>Please remove all non-account holding inquiries over 30 days old.
I have a ton of inquiries on my credit report from 2015, but did not apply for credit through these companies. I am recently separated and it was discovered that my ex was applying for credit in my name
I am trying to get a mortgage for a house and one of the things they told me to do was pay off one of my collections to boost my credit score. So on XX/XX/19 I called Capio Partners and paid off the settlement amount, then my mortgage company told me that I needed to get a letter of deletion from them so I called them back again and asked them for one and they said they would be sending one out and will send one via email as well. I received the email but all it said in there, that the account and been paid in full and  would be reported to the credit bureaus ( not a letter of deletion ) so I called back again and this time they told me that I did not request a deletion and they gave me a number to call for customer service, which I did multiple times and I left a voice mail and never got an answer back. So I called back the regular number again and and told them I needed a letter of deletion and they told me in a not so professional manner that it was being reported to the credit agencies and then hung up.
I have a few loans with Chase bank. I have been unemployed for nearly XXXX months, and have been actively trying to find a job. Chase bank handed over their loan servicing to XXXX XXXX XXXX ( XXXX ). Last week, I spoke with a representative of XXXX, and found out the what needed to be paid on the Chase loans, and I asked them when I would go into default. The XXXX representative was unable to tell me when I would go into default. This Monday, I contacted XXXX with money which I was able to scrounge up, and was shocked to find out that my loan had already gone into default. I was n't notified in any way that I was that close to default. It struck me as a complete surprise. I tried talking with XXXX about my options, and they sent me to Chase which sent me back again to XXXX - ultimately XXXX huge circle of no one knowing anything. I want to know how to fix this and why was n't I better notified of my default. I 'm barely surviving as it is, suffering from diagnosed XXXX, and I ca n't keep up with these loans in this horrible economy.
I am unable to pay my my XXXX XXXX credit card as the card does not appear in my profile, when I try to add the card however it says it has already been added. The card carried a small balance. I emailed XXXXXXXX XXXX and received no follow up. The website is VERY VERY HARD TO USE!!!!!!!!!!!!!!!!!!!!!!! They should like everyone else have a separate website for the credit card, not lumped into the website. A simple search shows many people with this same problem. They should be advised to simplify this process.
On  XXXX   XXXX , I clicked a link in an email for security purposes and received the following reply from coinbase : " We have received your request to disable signin to your account.   XXXX  At this time we have signed out all sessions for your account, disabled any new signins, revoked API access, and cancelled any recurring payments that were configured.   XXXX  If you have an existing support case open, our agents will get back to you as soon as possible. " It has now bee n 2 weeks a nd I have been trying to reach this company to re-enable access to my account without any type of success. My account holds over {$50000.00}.
I have disputed a judgement that appears on my credit report from the XXXX. I have contacted the court, and they told me that they do not have a judgement in their docket, and could not give me any pertinent information about this. They even told me that if someone was to come into the office and search the Judgement dockets, they would be unable to find information on this alleged case. After this, I disputed this with Equifax, and in only one day, Equifax closed the case ( the investigation started on XXXX/XXXX/2015 and ended the same day ) and they refused to change the information.
My income sensitive payments were stopped without warning. I did n't have a chance to contest this and had to pay several months of a much higher payment until I could finally get another income sensitive rate. I was also told I can not defer my payments even though I am unemployed. Communication from Navient is poor.
XXXX agreed with me and deleted the XXXX I think it was out of the XXXX that I disputed off my report but XXXX and Experian will not. Please help. They are from XX/XX/XXXX/XX/XX/XXXX and are over 10 years old