WillisBack/dataset-financial-user-claim huggingface dataset:
I have a credit card with Chase Bank. My credit limit is {$7500.00}. As a courtesy, they paid and item that caused my account balance to be {$7500.00}. They have submitted to all three credit reporting bureaus that I am " over my credit limit '' which has caused damage to my credit score with all three credit bureaus. Yet what they did was a " courtesy, '' rather than decline a transaction, even though my credit limit was only {$7500.00}, they decided on their own to give me a little extra credit. I was not consulted on their decision. But this damages my credit score. 

I just called a credit counselor who has been assisting me with keeping my credit clean and he told me that Chase 's " negative report '' has caused my credit score to drop 30 points or more. 

I have a loan pending with a bank, and now my bank is giving me grief. 

The fact is, with my Chase card, I pay my statement in full each month by the due date. Yet Chase has made this negative report on me. My entire credit report shows that I pay all of my bills on time each month, and this is the only negative item on my credit report. My credit score with TransUnion dropped from about XXXX to about XXXX over the last month. 

I contacted Chase Bank and they admitted that this is a fluke in their system, where they will only do credit reporting one time a month and the day they reported it, my balance was {$7500.00}, due to their courtesy of paying an item that caused my balance to exceed the credit limit. I asked them to remove the negative item and they declined. 

The result is that my credit score is being damaged, solely by their actions, and not by anything I have done.
I paid my minimum payment of {$51.00} on time to Chase bank on XXXX XXXX, 2016. I almost immediately received an email confirming my payment. On XXXX XXXX I received an alert from Chase that my payment had not been received and I was assessed a {$25.00} late fee. I immediately called and spoke to a rep who told me there was an issue with the system and to give it some time and the payment should process and the late fee should be reversed. Eventually within a day or so the payment was acknowledged and the fee was reversed. However, at or around the XXXX or XXXX an additional payment of {$51.00} was deducted from my checking account. There was not enough money to cover this second deduction and my bank charged me a {$35.00} overdraft fee. I am 100 % certain that I did not log in and make that additional payment, but they are insisting that I did and are refusing to cover the overdraft fee. Like I stated earlier, the first thing I did after receiving the initial warning that my payment had not been received was call them and I was told that they were experiencing issues and I was assured the payment would eventually clear. I would never risk making an additional payment of {$51.00} before contacting the bank because the money was simply not in there and I know these glitches can happen. Furthermore I explained to them that even if I did personally make that second payment I would have been justified considering I received a warning stating my payment had n't been received along with the late fee. Either explanation is n't getting me anywhere and I 've spent close to an hour on the phone with reps. I 've been told twice that the issue would require the assistance of a supervisor of sorts and that it could take up to 3-7 days to be contacted by one. At one point my checking account was negative {$75.00} with other bills upcoming. Luckily I had a family member who was willing to help me out being that I am currently unemployed. I feel it is extremely coincidental that the one time that Chase happens to be having payment issues I somehow mistakenly make a double payment. It is much more likely that the error ties into whatever issues they were having and the payment was registered twice. I am extremely insulted because I am being called a liar and being told I did something I know I did not do which was log in and make a second payment. Finally, I have lost confidence and trust with Chase because I feel that they are unwilling to acknowledge an error was made on their end.
Phoned Wells Fargo Bank asking why they did a hard hit on my XXXX credit file then removed it. They could not give me an answer. I mentioned I recently applied for credit with a soft hit which did not use Wells Fargo Bank. They use XXXX XXXX. No reason why Wells Fargo Bank created a hard hit then removed it. It will remain on my XXXX report for two years according to XXXX.
i received a bill from XXXX XXXX XXXX saying that I owe pay pal the amount of {$390.00} as of today 's date I have not received verification of this debt and they are attempting to collect and I have no idea when this debt was and if I truly owe this bill. This debt has to be more than 3 years old and has passed the statue of limitations on collecting as of today 's date I have not received a bill from pay pal to pay nor have they contacted me to do so.
Someone from the company  XXXX   XXXX   XXXX   XXXX  is calling, representative named  XXXX   XXXX  's, is stating he 's an Investigator for  XXXX  County and will be serving me at my place of employment. I asked them to send a letter to my home address and they are refusing. They will only send me an email.
I received a call from an 'unavailable ' number ... as did my mother, my father, and XXXX of my sisters on their cell phones ( none of whom I 've lived with for over 20 year ), from a woman claiming to be 'Investigator XXXX XXXX from XXXX '. She claimed that she was notifying me of a certified court summons that she was hired to deliver to my home or place of employment on XXXX/XXXX/16. And that if she does appear at my place of employment, she will need my supervisor present as a witness and that I will need XXXX valid forms of identification. If I will not be available or I wish to resolve this voluntarily, I may contact the 'petitioner ' ; they are requesting to speak with me beforehand. Their number is XXXX, and then gave me a case number XXXX. Failure to contact the filing party will result in her coming out with a uniformed officer, as well as being issued a body attachment. She finished her voicemail by saying 'Thank you and good luck ... you have been legally notified '. First of all, I have had a legitimate court summons sent to me years ago after my divorce for a credit card bill that my ex did n't pay. No one called me first ; no one called my family members ; no one threatened me with police at work. It arrived from the mailman as a certified letter. Period. That is how all real legal court summons work. Do not let these people scare you into giving them money over the phone. I called the number XXXX ' left me & the voice on the 'automated answering system ' was this same XXXX ' person. When I finally got transferred to someone, the guy who answered claimed ignorance. I told him this person said you wanted to talk to me, why would she say that if the case is no longer in your office?? I raised my voice real loud & informed him that this call was being recorded and they had better stop calling me & my family & harassing me ; that I am going to report this wherever & however I can to help avoid others become victim to their scam and extortion. He claimed he was notating my account.
XXXX   XXXX   XXXX  showing late payments on  XXXX  of my accounts when in fact we have never been late and have paid extra each month. We have bank statements faxed to them to prove it. We also have monthly statements from  XXXX   XXXX   XXXX  showing no lates during the period in questi on (   XXXX ,  XXXX ,  XXXX  of  XXXX  ). They are using voodoo math and tricks just like  XXXX   XXXX   XXXX  did. ( see FTC vs  XXXX   XXXX   XXXX   ). Th ey admitted their mistake on the phone. I want the CFPB to investigate  XXXX   XXXX   XXXX  on their business practices on how they report on all their customers to the    XXXX    Credit  reporting agencies. I feel I 'm not the only  XXXX  they have hurt. Their mistake cost me  XXXX  points on  my credit score.    Contract monthly payments are  XXXX . We pay  XXXX /month to help pay the loan off faster. They told me they REMOVED a  XXXX   XXXX  payment since we were paying extra and that caused a " cascading effect ''. You ca n't " remove '' a payment a customer has already paid.
I filed a complaint about my Verve credit card backed by continental finance on XX/XX/2016, complaint number XXXX. I filed the complaint because I had provided documentation supporting my fraud complaint to them directly. I reported my card stolen to them, provided the police report, and my letter of incarceration, as well as the affidavit of fraud that they requested I fill out and return. They had removed a good deal of the charges but were still trying to get me to pay {$230.00} before re-issuing me a card and stated that these were late fees. I called to check the status of my fraud complaint and they ( continental ) informed me that the account had been closed and sold into collections ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I am beyond upset about this!!!! I feel like they are giving me the run around and sold the account to avoid resolution. I only held off on filing a complaint sooner because they acted as if they were handling this. I refuse to pay a dime, I wanted my card back!!! that had a XXXX balance at the time I XXXX ... .absolutely sick about this, hours and hours and hours spent on the phone for nothing Continental Finance XXXX XXXX XXXX XXXX XXXX XXXX
All three credit agencies are showing way off differences. I was using XXXX XXXX to help with this issue. After cancelling my membership my credit score dropped tremendously without any changes. I gave. XXXX   cards cancelling me and lowering my available limit with no reason. Ive had inquiries removed and my score keeps going down. Something is not right and need to find out wgat is going on. Ive never been XXXX on a payment and my score keeps dropping
I disputed several items on my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX and XXXX from XXXX   and transunion and sent validation letter and never received proof but was updated on my credit file as verified it's been about 6 month on going that I've been requesting verification and never did anything over 30 days has to be removed off my file
This is regarding an account reporting on my personal Experian credit report. 

Account Name : XXXX Account Number : XXXX For over 6 months I have been disputing this account with the credit bureaus and each month they have not been able to report accurate information regarding this item. Many pieces of information that are being reported on this keep changing over and over and are not accurate! 

I also faxed in a request for the METHOD OF VERIFICATION by fax on XX/XX/XXXX and by law the credit bureaus is required to send within 15 days and this was NEVER RECEIVED. They are consistently reporting inaccurate information after repeated letters. I have attached all the documents. 

In Addition to failing to provide the method of verification after I requested by fax and proof of fax confirmation is enclosed : Credit Report dated XX/XX/XXXX : 1 ) From the previous month 's credit report when pulled ( XX/XX/XXXX ) the balance changed from {$7400.00} to {$7300.00} which is inaccurate! 
2 ) The date of last payment is reporting XX/XX/XXXX also not accurate! The other two bureaus report different dates. 


On the previous month 's report dated XX/XX/XXXX : 1 ) The balance changes from {$7300.00} to {$7400.00} which is not accurate! The other two bureaus show different balances!

2 ) The date of last payment switches from the month before from XX/XX/XXXX to XX/XX/XXXX! Very inaccurate! 

On the previous months report dated XX/XX/XXXX 1 ) They are reporting a monthly payment of {$0.00} which is not accurate! 
2 ) Same issue with balance reporting {$7300.00} when the month before was {$7400.00}! Not accurate! 
3 ) The date of last payment is reporting XX/XX/XXXX when the month before it was XX/XX/XXXX On the previous month 's report dated XX/XX/XXXX : 1 ) The balance again is {$7400.00} when it was {$7300.00} 2 ) The date of last payment changed again! All Inaccurate They are just switching numbers all around and it is completely inaccurate by changing the balance, and the, terms, and the monthly payments to different amounts all the time! 

I want this item deleted since they are continually every month reporting it inaccurately and have failed to respond to my method of verification request which they are by law required to do!
I applied for a credit card through Barclay 's Bank in XX/XX/XXXX. Due to the XXXX  data breach, I had a fraud alert active on my credit record. Apparently due to the fraud alert, I received a request from Barclay 's bank for multiple documents including utility bills and copies of my Social Security Card and driver license, and perhaps others. 

I reasoned that the fraud alert was the source of their inability to access my credit records. Since I'm on long term reassignment from my permanent residence, it was a burden to gather all the requested documentation. Since the fraud alert was due to expire on XX/XX/XXXX, I reapplied in XXXX, thinking that would resolve the situation. 

On XX/XX/XXXX, I received a letter stating that my application was denied due to " too many inquiries ''. I called Barclay 's Bank and was informed that even if my fraud alert was no longer active, I would still need to supply the documentation. My credit record is exceptional and my FICO score is currently XXXX. This seems excessively burdensome for a consumer with excellent credit and their stated reason is that they had to ensure that security issues needed to be met. 

Is this a policy decision that can not be reconciled due to requirements under the Fair Credit Act or is this an unfair burden on the consumer? 

My name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. The Barclay 's Bank application number is XXXX with the response on XXXX. I contacted them today, XXXX XX/XX/XXXX. I do have a complaint lodged with Barclay 's Bank and was told to expect a response in 24 to 48 hours. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX
PHH is our mortgage company. We are now attempting refinancing with another company. They have not provided a payoff amount, despite repeated requests to them and to their attorney 's office. I initially requested this on XX/XX/XXXX. It is now XX/XX/XXXX, and we still have not received ANYTHING. We are ready to close in all ways except we ca n't get the payoff letter from them. Tomorrow, our locked in rate expires, and we have still no resolution.
I want to SUE DITECH, I paid my mortage every month after my loan modification with XXXX XXXX XXXX
I have contacted the creditors, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile because I never submitted the inquiry and they told me to reach out to the credit bureau which I have done over and over multiple times going in circles. 
I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately Unauthorized Inquiries : The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Date of Inquiry : XXXX/XXXX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Date of Inquiry : XXXX/XXXX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
The following inquiry needs to be removed immediately : Creditor Name : XXXX Jewelers XXXX BOX XXXX XXXX OR XXXX ( XXXX ) XXXX Date of Inquiry : XXXX/XXXX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
The following inquiry needs to be removed immediately : Creditor Name : XXXX/XXXX XXXX XXXX  XXXX XXXX TX XXXX ( XXXX ) XXXX Date of Inquiry : XXXX/XXXX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
sent po report to XXXX, experian, and XXXX XXXX XXXX, XXXX and XXXX XXXX id theft victim sent everything to the major credit bureau
First off this hospital palm springs slandered by saying they accept my insurance XXXX. then they did fraud after they didnt charge my insurance and my insurance had to appeal and negotiate to accept. now they have been harrasing me for the past year with debts claiming to take legal action as they didnt even give me prescriptions and hurt me as a patient. as well the optimum outcomes inc keeps harrassing with services rendered in form of law suit collection
Th  e day before my Salliemae student loan payment was due I contacted a rep to discuss the impact on my account of making my payment at the end of the month rather than the middle for just that one month. The rep indicated it would be no problem, but that I still may get " a call '' each day from Salliemae until I made my payment. I understood, requested my account be notated accordingly, and hung up. For two weeks I endured numerous calls per day ; I lost count at six calls one day, which was the norm for the number of calls Salliemae made in an effort to collect a debt that had a due date that had been arranged and had not come up yet. I was also contacted by e-mail, which indicated my " loan ( s ) require [ d ] [ my ] attention. '' When I contacted Salliemae to discuss how harassing the calls were, I was told Salliemae was perfectly within the bounds of the law on their manner of contacting me under the circumstances with up to eight ( 8 ) calls a day, seven days a week. I was told this by a supervisor, who was rude and argumentative and whose badge number I notated, when I escalated my complaint.
After returning a collection call, within the hour the calls would resume, and every call to me was made without properly identifying their company via caller ID.
It 's a violation of federal ( 15 U.S.C. Subchapter V 1692 ) and state law ( California Civil Code 1788.11 ) to perform collection calls as they did.
I feel like my actions were appropriate in communicating to Salliemae, with proper notice, that I possibly needed to make arrangements for an upcoming payment due date. An agreed upon date was notated and honored in a timely manner by me. The respective steps taken by Salliemae in response to the agreement was unlawful, harassing and completely uncalled for under the circumstances.
I 'd like Salliemae to acknowledge their actions as such and I 'd like the supervisor who claimed to be operating within the law to assure me that under like circumstances, what happened to me will never happen again, or to anyone with a Salliemae student loan.     Regards,  XXXX   XXXX
I spoke with a rep last week when they called my place of employment. I have asked the company ( Capital Accounts LLC ) not to call my place of employment XXXX times now. The company has my cellphone number as well as my email address, but yet they continue to call my place of employment.
I would like to request for XXXX to send credit reports to all agencys who recieved or look up my credit report, as to there has been ALOt of hard inquiry not authorized by my on report I am in the process of disputing, I have medical bills from XXXX XXXX. The have ILLEGALLY and UNauthlrozed by myself exposed my medical records to another agencys without my approval which is covered by HIPPA. I want help, or advice to get off my record. XXXX XXXX XXXX, It XXXX illegal so send/expose my personal medical records to ANYONE or ANY business/agency! This collection has made it very difficult to progress my credit! Also, XXXX XXXX   of XXXX has done the same thing!!!!!! Unauthorized by me and illegal! XXXX XXXX XXXX! I am going to look further into a lawsuit if they do not remove from my report! AS for hard inquirys that need to be removed as to I did not authorize these either, XXXX  XXXX XXXX has multiple inquirys that I did not authorize, XXXX XXXX has multiple inquirys, XXXX XXXX, I have so many but I am going to start off with this complaint. XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX Florida, XXXX XXXX, and XXXX XXXX, these companies ALL have somehow gone on my report!!!!! And need to be taken off please!
I had a mortgage with Fifth Third Bank. XX/XX/2016 I paid off my mortgage. At the same time the tax bill from XXXX County arrived, for the amount of {$770.00}. Fifth Third told me that because the mortgage was paid off they would not pay the tax bill and I should pay it directly. I did pay it myself, but it turned out that so did Fifth Third, and they deducted that amount from my escrow pay-off. However, when I called the XXXX County tax bureau in XXXX, they said they only received one payment -- mine. They told me if they had received 2 payments they would not have processed the second payment. They would have simply sent it back. So, even though Fifth Third said they paid it, that payment has never been processed. I have no idea if their check was ever issued or is lost or whatever. But the tax authorities only received my personal payment. I have contacted Fifth Third numerous times, and all I get is the runaround. First they told me they need more time to investigate the matter, to make sure the payment was not completed. Then they told me they need more time to process the refund. Then last time, on or around XX/XX/2016, they told me the check was in the mail. This turned out not to be true, since no check has arrived. It is now 2 and 1/2 months, with no resolution in sight. Fifth Third is being totally uncooperative and unhelpful. They should be made to return my money. Here is a copy from the Fifth Third Website indicating they deducted the payment from my escrow account on XX/XX/2016. 
XX/XX/2016 XX/XX/2016 ESC DISB - TAXES {$770.00}
I have been sending this company XXXX each month via mail for over a year now. They will not return phone calls or give me a balance owed. They hang up on me and curse me out when I call to get the information on my account called XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX
Deformation of character by sharing confidential information with my parents. Improper sharing of information include ( ie : verified debt collection, shared the file #, stated will file civil suit if I did not call by XXXX PST, verified my full name and date of birth ) The debt collection is for a debt closed in XX/XX/2009 - thus greater than 7 years. The ADR GROUP has NOT contacted me. The information provided was given to me by my father.
The American Express website shows a balance figure called the " Current Balance '' in a larger font than some other sub-balances. However, this figure is actually the Statement Balance, not the current Outstanding Balance. So if you pay only the " Current Balance '' you actually a leave a balance on the card and thus must pay a financing fee. This is needlessly confusing and seems to be an attempt to bilk customers out of financing fees.