WillisBack/dataset-financial-user-claim huggingface dataset:
This issue is regarding Chase Credit Cards online auto-payment management system. Unlike other credit card auto-payment management systems, which allow you to set-up a custom auto-pay amount, Chase limits you to choose between the minimum payment amount or the entire balance.
You can make an additional payment on top of your auto-payment, but this defeats the whole benefit of auto-pay to begin with. The benefit of auto-pay is to set-up an auto payment plan to payoff your card in a set amount of time, without having to log-in every time you want to make a payment, limiting chances of missing or late payments.
I believe Chase intentionally limits your auto-payment selection amount to force you to choose the minimum amount and then counting on you to forget to make additional payments, thus paying more interest on the card for a longer period of time in an effort to make up for lost revenue from late payment charges.
primer student loan center took advantage of my vulnerabilities with my student debt and offered a false offer and took my credit card information and I am asking to send me proof of my cancellation but they have not responded. I want to make sure they don't charge me because within an hour of my submission to the agreement I cancelled as I read they are a scam. They offer payment of {$190.00} for 6 months then {$30.00} per month for 120 months and that your debt is forgiven.
I signed up for overdraft protection for my checking account with TD bank on XX/XX/XXXX and I was misinformed multiple times about how it worked. I was told on XX/XX/XXXX that I could write a check out for my rent and car payment and I had 60 days to get my account positive and that it would not affect my credit and the checks would not bounce. Well after a couple of weeks all the checks I sent out bounced and until I talked to a supervisor around XX/XX/XXXX he finally told me I had to have my account positive for a check to clear. I stated to him that I had told numerous customer service representatives that I had lost my income and that I was given the correct information. I was only given back about {$170.00} worth of overdraft fees and my account is still negative {$730.00} today.
SOUTHWEST CREDIT KEEPS CALLING MY CELL AND PARENTS PHONE IN VIOLATION TCPA, THESE ARE ROBO CALLS AND HAVE VOICE AND CALLING LOGS ETC.. 7 CALLS IN 3 DAYS
I got a call form PayPal on XXXX different occasions saying I had outstanding balance. After calling back I found out that I have XXXX accounts neither XXXX was I aware were out there. My daughter opened them in my name. After she was in jail she admitted to me that she did this.
On Thursday XXXX Capital left a voicemail @ work saying to call the fraud people by calling the XXXX on the back of my card which I did today XXXX ( I was not at work ). They say there 's fraudulant activity and they have to shut my account. I asked for 24 hours so I can notify all the vendors linked to my account and they say they can not do that ; the best is the card will be frozen for all transactions. I have to answer a fraud questionnaire. Then I have to wait 5 days for a new card in the mail. 
I feel this is unfair treatment. I should be able to notify my vendors and be given new card information to work with immediately. The world does not wait for things to arrive by mail. 
lastly, the company says they can not tell me the name of the company where personal information was released because of the " ongoing investigation. '' That 's like saying you were XXXX but you are not allowed to know who the XXXX is. 
finally, Capital one claims they called my cell phone and " could not leave a message '' ( no reason why ) and they called a number that apparently they had on record that I had called from at one point in time. It turns out that is my BOYFRIEND 'S phone number. If that had been an ex-boyfriend that could have been dangerous for me, possibly. I do not like that they could call that number without having asked for permission to use that number. That appears predatory and beyond cautious despite some " fraud '' that I know nothing about. I know we need to know about fraud and that they need to be careful, but this seems BEYOND careful and leaves me feeling like a victim. ] I WANT TO KNOW WHAT MY RIGHTS ARE WHEN IT COMES TO NOTIFICATION AND AFTER EFFECTS OF CREDIT CARD FRAUD.
On my Transunion credit report it shows also know as XXXX, XXXX, XXXX, XXXX not me. 

It show Employer XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Have never worked for them Have worked for XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX Have never lived at XXXX XXXX XXXX XXXX XXXX UT XXXX
The debt is not mine. I contacted the company on several occasions and was told it would be removed.
Experian Credit tracker is using terms like account transferred, closed and paid as derogatory information, thus bringing down my credit score. Experian proper, which is a separate company from Experian credit tracker, tells me there is nothing wrong with my credit report. I have talked to many people in the last month, and they are always working on it, and I am paying XXXX a month while they " work on it ''. XXXX XXXX will be my second payment. Even if they solve it today, the way they have treated me is disgraceful. Now Experian Credit Tracker is doing an investigation of my credit, and they will find out the same thing. I think they will never solve it, and just want me to give up.
I had been told that a loan I was delinquent on would be going to collections if I didn't make a payment by XX/XX/XXXX. I could not meet the deadline, and assumed that it was too late. I had expected to hear from a debt collector at some point, never did, but yesterday XX/XX/XXXX it had been pulled from my account bringing it into the negative. 
I had been lied to about it going to collections, and I don't know what to do.
On XX/XX/2017 there is an inquiry from Citi mortgage on my XXXX credit report as per attached report which I do n't recognize. I called Citi Mortgage and they told me that they have n't pull my credit. I called XXXX and they told me CITI mortgage is indeed pulled a credit on XX/XX/XXXX. I went back and forth and called Citi mortgage group this morning ( XX/XX/XXXX ) and spent almost an hour to get hold of a manager and was told no managers available. Please fix this issue ASAP on my credit report. I already spent few hours to fix this issue and so far not going any where. Please fix it ASAP and remove inquiry from my XXXX and any other credit bureaus ASAP
Nissan Motor Acceptance Corporation has a XXXX loan under my name. I did not sign, give consent or agree to a XXXX loan. The second loan is for the same vehicle that I had purchased ( the letters they sent home to me have a different account number than the original account, yet has the same VIN # of my car ). I filed a dispute through XXXX as I also tried working it out with the company. It has been more than 2-3 weeks that I have been calling/emailing Nissan to fix this issue. Recently, I noticed on XXXX XXXX that it shows up as " paid and closed. '' Yet, it also says that I was late on a payment. Since I did NOT sign, give consent or agree to the XXXX loan, it should NOT be showing up on my credit at all. This morning I received an email from XXXX indicating that they contacted Nissan and got verification that the loan belongs to me. I think that it also shows up on XXXX, but that is why I am hoping that by filing this complaint, the company will fix their mistake and report to the credit agencies that it is NOT my loan and that it was THEIR mistake, will clear everything. I am also requesting a written letter from the company indicating that they in fact did make the mistake and the steps they took within the past 3+ weeks to fix it. I want that letter just in case this issue ever comes up again and I have written proof that the loan was a mistake and it does not reflect my financial decisions.
After I told them on XXXX/XXXX/15 that I hold POA for my mother XXXX XXXX they called her anyway on XXXX/XXXX/15 and harassed her for the money. She is XXXX old and has XXXX. I told them this on XXXX/XXXX/15 and yet they called her anyway. This is entirely unacceptable.
on XX/XX/XXXX and XX/XX/XXXX I CONTACTED XXXX, XXXX, & Transunion in regards to 3 charges on all 3 of my credit report that needs to be removed. ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, & XXXX/XXXX XXXX, ). They need to be removed because ( original creditor sold my debt to a collection agency/ other company, they also wrote off my dedt on their taxes which wrote off my obligation to pay. Contract was cancelled and voided. NO CONTRACT. Also the same creditor is listed twice. The credit report agency do not make any changes or any answer to my credit reports. The company 's are still trying to collect, also entering negative on my credit report. Please help. Sincerely
TransUnion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my credit score is suffering as a result. No notice was ever given which is also a violation. I am requesting that All inquiries be removed. 

XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX
I had  2  pay day loans from  2  different companies and paid  1  off because they threatened to get a judgment against me and garnish my wages. So i made  5  payments and on the final  1  they waited almost a month to get back to me and stated that the reload it card I sent was invalid and that I had to send another payment And on the other pay day loan same thing but I have only made  1  payment. Ahould I continue to make the payments. And can they garnish my wages
I continue to receive correspondence surrounding this account and my attorney has advised me to submit a request for this to be reflected accurately within the credit agencies. This was discharged with a bankruptcy in XXXX 2014. I have attempted to contact this collector and have sent copies of the documentation presented here ; however, there has been no response. Therefore, I am seeking assistance with resolving this matter with the hopes that a formal complaint will initiate this correction.
XXXX the branch manager from one main financial in XXXX Oregon spoke to me and belittle about the debt I owe to them. I try to talk to him and negotiate a payment where I can afford it but all he kept saying in a very rude mean tone of voice was " you think {$50.00} is good enough a month for a {$9500.00} debt ''. Then he kept saying if I do not pay the minimum payment he threaten to garnish my wages. His exact words again in a very mean rude tone of voice he said to me " do I want XXXX % garnish from my gross wages or would I rather pay {$260.00} or however much it was. XXXX at that branch is so rude. I work with the public and there is no such way I would ever talk to the public that way or make them feel bad. Not only XXXX was flat out rude. But he does not have the public skills to deal with the public and he made me feel bad every time I talked to him. He has called me every week and I do not like talking to him at all because of how he treat me and made me feel. He makes you feel bad for borrowing a loan from the company but yet he acts like it is his own money. I have dealt with a few financial agencies and by far XXXX from one main financial is the worse debt XXXX. The way XXXX talk to me and the way he treated me is not acceptable.. Yes I know I owe I debt but I feel he does not have the right to be very rude and talk down at me. He refused to work with me on making a payment where I can afford. Yet he offer to run my credit to see if I can refinance a loan and it was pointless. One main financial offers to refinance my current loan when they know very well I would be denied. They do not try to work with you.
XX/XX/XXXX CFPB : Bank of America, a TARP Funds Recipient, took my original XXXX Notice of Initial Servicer, 8.5x11 inches, which I had received via USPS First Class Mail XX/XX/XXXX, from XXXX XXXX IL XXXX. I need Bank of America to return that original Notice of Initial Servicer to me. 

Sincerely, XXXX, IL XXXX XXXX
This is my second complaint and while I 'm usually not  one to co mplain this is getting a bit old waiting on  5th 3rd to c orrect their accounting. The last complaint I was trying to stop from the repeated calls which did slow down, but I did still get calls. I also asked them to fix the accounting errors which still has n't occurred. They have not fixed an error that they posted my payment to principle instead of applying to my payment. I did actually provide my list of payments that seems to have been ignored.
I have received 19 calls from number XXXX XXXX XXXX from XXXX XXXX, they have made threats of 'legal ' action against me & said I owed XXXX XXXX dollar ( my number is XXXX XXXX XXXX ). I have a land line phone number of XXXX XXXX XXXX & they now call both phones, this number they call numerous times a day as many as 5 or 6 times. 
I am looking for a job to this is very stressful when I think it's for a potential job & it's them, harassing me. XXXX XXXX XXXX
XXXX XXXX told me that I had a debt with them. I faxed a letter to XXXX, as the CFPB directed to ask for clarification. I did this on XX/XX/2018. I have still not recieved a written notice of clarification. So, I assumed that the debit was invalid. 
I was then contacted by a collection service ( State Collection Service Inc. ) trying to collect the debit, on XX/XX/2018. XXXX had still not provided me with a written clarification of the debt. The CFPB website stated that if they tried to seek judgment for payment of the debt without first providing written verification, they would be in violation of the Fair Debt Collection Practices Act.
I have a personal loan at One Main Financial that I was 14 days late on the payment. They have called my cell phone 3 times a day, everyday, since the first late day. Today they called my employeer. Because I work at a casino and do not have phone access on the job, they must speak to a security officer, who then must leave his post, find me, have me taken to an office, and then relay the message. This happened a year ago when I was late with a payment and I told One Main Financial that they were not to contact me at work. Obviously, they still do. Furthermore, they will call from their office and employee cell phones, as if they are trying to conceal who is calling me, but I have all the numbers saved on my call records from my cell phone carrier.
I can't log in to navient. 
I enter all of my information to no avail. 
I've even used my SSN and birthdate as the website recommends only to get " we have no records of you '' Ive attempted to call a few times. I'm very late on these payments and they just keep offering a forbearance. 

I'm at my wits end.
About 2 years ago I filed a chapter XXXX bankruptcy where my student loans were not forgiven. On the credit report with all three credit reporting agencies ( XXXX, equifax, and XXXX ) refuse to remove bankruptcy on all my closed XXXX  accounts. They claim the loan provider XXXX  verified it was discharged in bankruptcy. This is not true. My loans where discharged through XXXX  from XXXX for being a XXXX veteran. I called XXXX  numerous times and the have sent over proof they were closed due to XXXX but reporting agencies have continued to report bankruptcy. Im considering a class action lawsuit if not resolved. On a seperate complaint I have 18 hard inquires due to fraud they refuse to remove too
I have contacted Navient 8 times about consolidating my student loans in order to qualify for a mortgage. Each and every time I have called I received different information with all of it being incorrect or wrong. I have tried in vain to get someone from Navient to help me, but no one seems to be able to give me any information that is useful for a course of action. I guess people with student loans are n't allowed to buy houses. With no other options presenting themselves I have come to the point of filing a complaint here and writing a letter to my senator.
On XXXX/XXXX/XXXX, I received a letter from FlagStar Bank stating my re-modification application was " complete '' for loan # XXXX filed in XXXX of XXXX. I would then receive a " written notification '' in 30 days which as of today, I 've not received. I have made numerous attempts to contact my " point of contact '' XXXX XXXX leaving multiple messages never getting any calls returned. 
I did received a phone call on XXXX/XXXX/XXXX from the " Underwriting Dept. requesting a copy of a lease I issued to a new tenant which was confirmed received by the default dept. the following day. 
I then called the " Default Dept. on XXXX XXXX and spoke to " XXXX '' and she stated my modification of my loan has been " approved '' and I should be receiving documents within 30 days. On XX/XX/XXXX, I received a letter from XXXX XXXX of FlagStar Bank stating she will be my new " point of contact. '' Unfortunately, the same problem continues never any return calls from messages I 've left. 
The only calls I get is a " recorded message '' after hours stating its " urgent '' I call which I do the following day to XXXX XXXX leaving another message requesting a call back. 
On XXXX/XXXX/XXXX, I called again and spoke to XXXX of the Default Dept. stating I 've not received my new documents only to be told " my modification '' was finally approved. 
Now we are moving into XX/XX/XXXX and still not documents or returned calls by XXXX XXXX XXXX. 
Obviously, FlagStar Bank has shown " no urgency to modify my loan '' and thus being an " interest only '' loan plus with the market crashing the value of my home has taken a severe drop in value.
I am an  XXXX   XXXX  military member, and like numerous others who have recently submitted complaints on CFPB against Barclays, I too signed up for  Barclay 's Luxury Gold Card having been promised waived annual fees ( {$990.00 } ) and 0 % APR for as long as I maintain  XXXX   XXXX  status. I became a member in the beginning of  XXXX    XXXX   and had no issues obtaining the military benefits. However, by  XXXX , I had heard rumors of policy changes, specifically that these benefits would no longer be offered to new card members. After investigating this further, I was assured that this would only affect new card applicants, and that current cardholders would essentially be grandfathered into the original agreement. A couple of months ago, I received the same letter than many others on here have received, detailing another policy change where the annual fee would no longer be honored. According to the letter, I will owe the annual fee of {$990.00} starting this  XXXX , while I will continue to have 0 % APR for the duration of my  XXXX   XXXX  service. I called  Barclays  to try to resolve this without any success.     My issue with Barclays is n't the annual fee itself, it 's their blatant disregard for business ethics, violation of good will, and their unwillingness to make amends. I would not have signed up for this credit card as the annual fee far outweighs any of the benefits I would normally be able to use. I signed up because the offer was honestly a good deal. But with this drastic reversal in policy, this seems very much like a bait and switch. If I cancel the card, which I will most likely end up doing, I will still have a hard pull on my credit report to the detriment of my credit because  of Barclay 's irresponsible methods. Barclays should revisit this policy and honor the agreement they promised current card holders when they signed up for this c ard.
WELLS FARGO CROOKS. Back in XXXX 2016 I closed my Wells Fargo checking account online. I ve been waiting for my money since then. Even though I already filed a complaint here before ( case # XXXX ) and they sent me a letter saying they were going to do whatever necessary to solve the issue they still have n't done anything. They have failed to their promises three times to send me my money. I 'm glad I do n't bank with them anymore and I do n't not recommend them because they do n't act quickly when it comes to your money but if it 's their money they will fight with teeth and nails and lawyers til you pay the last dime. It is nasty that they can charge you penalties and late fees if you do n't pay something you owe to them but they will not pay interest or dividend on the money they have held from me illegally for the last 7 months. Ridiculous
Wells Fargo did ilegal VA Home Modification False information they have sent letter after 4 years they had put XXXX XXXX XXXX XXXX XXXX XXXX Went Bankrupt XXXX when we were trying to do a Fair XXXX Home Modification.They made us look as though we were high credit risk Saying we went Bankrupt XXXX which we did not they held Security XXXX dollars.Everything was done Via mail, they were supposed to correct this we did go bankrupt XXXX we did not list are VA Home loan .Made all payments Lawyers told us XXXX you do not have to reaffirm loan.We made all payments XXXX XXXX was found to have XXXX XXXX .We were 1 month behind on mortgage Wells Fargo told us to stop making payments 3 months before they could do a Modification, they put we went bankrupt XXXX which we did not made us look like we had a high credit risk took Security Instrument.Lock are loan we could not get a lower rate.Thank You XXXX XXXX XXXX XXXX XXXX XXXX
I pulled my credit report and I see that are a reporting a negative account on my file from XXXX XXXX XXXX. This account should not be reporting on my credit report. 
I sent XXXX 2 certified letters to dispute this account on XX/XX/XXXX and XX/XX/XXXX to the address they are reporting on my credit report and what you are reporting for the company. 

Each letter was not able to be delivered as the address in invalid. This company is clearly reporting inaccurate data because the address they are reporting is false. 
Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately. 

XXXX XXXX numbers : XX/XX/XXXX - XXXX XXXX - XXXX
I 'm XXXX and disable, I asked XXXX bank to transfer money from my checking account on XXXX/XXXX/2016, city bank suppose to send me ATM card for my saving account ending on XXXX to checking account ending XXXX about {$1500.00}, city bank agent XXXX stated he can do it because he has no access to it so transferred to his supervisor that said I can not do it because you do n't have the ATM card yet I told her I have the pin and was verified and you have my saving account number usually Transfer are between accounts not ATM, I have few checks coming on XXXX/XXXX/2016, what is going on why I can not transfer money between my accounts this is fraud at best I think CFPB must protect consumers aginst banks. 
Thanks
hello i have some inquiries that i didnt apply for i have about XXXX hard inquires from XXXX and im a victim of identity theft and i didnt apply for a bank accounts in my name the only bank account i apply for is XXXX XXXX the others are fraud and i contacted XXXX inc about this and they told me to call the banks and send a letter in writing and i dont have any stamps and i dont work and i still getting denied to open up a credit union account and they dont have a freeze system and the rep was rude to me and kept me on hold for a long time
XX/XX/15 XXXX I disputed with credit report and still being contacted as owed. I asked for proof and havent received it. I dont want this collection added to my credit report ( Credence XXXX
VIOLATION OF FCRA : REINSERTION OF PREVIOUSLY DELETED ITEMS, Section 611 Section 611 Section 611 ( a ) ( 5 ) ( B ) ( i ) ( ii ) ( iii ) ( ii ) ( l ) 611 Section 616 ( ( B ) Please see attached documents : Section 617 Exhibit-A - Public Records with wrong dates onXX/XX/XXXX ; Exhibit-B - No Public record on XX/XX/XXXX, were deleted ; Exhibit-C - Public records with the wrong date reappeared on XX/XX/XXXX ;