WillisBack/dataset-financial-user-claim huggingface dataset:
We have a Chase Amazon.com Rewards Credit card. I had a declined transaction today. I phoned Chase customer service, eventually speaking with a supervisor XXXX XXXX. I made a payment through our bank 's Bill Pay on XXXX/XXXX/2015. I balanced our checkbook today, their {$300.00} payment cleared our bank on XXXX/XXXX/2015. The due date was XXXX XXXX, 2015. Please note that we made a {$4000.00} payment in on XXXX XXXX, 2015, so it was n't a late payment leftover from XXXX. 

I questioned if there was a " grace period ''. XXXX XXXX stated that the grace period is already built in. I have never had an issue with a credit card where when the payment was 4 days late, having made a {$4000.00} payment the month prior, the card is unusable as of the due date printed on the statement which was XXXX XXXX, 2015. 

Is it legal that the moment a credit card payment is late, they decline any transaction until the payment shows up ( which, according to my bank, this payment for XXXX has already cleared Chase 's bank )? 

Thanks in advance for your help with this matter. 

XXXX XXXX XXXX
Back in XX/XX/2015 I had taken out a Pay Day Loan with XXXX.The Loan was {$400.00} and about 2 weeks later I had gotten caught in a bind.It was some things I had to pay and I was n't able to pay the loan back.To get help it was a Validation company that I joined call XXXX They sent Validation letters to XXXX to see if they are licensed to do business in the state of Alabama.And several months later I had found out that they was n't.
I have repeatedly advised Portfolio Recovery Associates that I do not owe this debt. Yet they refuse to remove. I sent a copy of an nFTC I'D theft report.
I called to pay off a judgment with Cawthorn, Deskevich & Gavin from a hospital bill. When I made a settlement amount and paid the same day, I was told that the judgment satisfaction would be sent to the courthouse within 15 days. I asked for a copy of the receipt as well and was told it would be mailed to my home address. I did receive a copy of a written receipt but never received the satisfied copy of the judgment and neither has the courthouse. I called several times to be told that the attorneys only have one original copy of the satisfied judgment and it is sent to the court house, again the court house has not received this satisfaction as of yet. The clerk at the civil court said they would accept a faxed copy from the attorneys office, so I call and again I am told that a faxed copy could not be sent to the court because they did not keep a copy of the satisfied judgment once they are sent off to the courthouse. I called their client, the hospital they represent, and was told from the rep in the billing dept that I should have been sent a copy of the satisfied judgment. So I call the attorneys office once again to tell them what their client ( hospital billing dept. ) has relayed to me, then I am finally told that another copy could be signed by the attorney and sent to the court house via fax and mail being the court house never received their 1st copy sent, and that I would be sent a mailed copy only, as I asked if a faxed copy could be sent to me so I could have it recorded at the county courthouse. I was told the judgment was mailed on 2 different days, I waited, called the court house everyday to be told it has not been received. How can these law firms get away with such lies. The same person answers the phone each time I call and its always a different answer from her to the same questions I ask. I was suppose to close on my home on XXXX XXXX, my bill was paid with the attorneys office on XXXX XXXX 2015. They never sent the letter of satisfaction to me or the court clerks office. I still do n't have a copy of the satisfaction and it now XXXX XXXX 2015. I 've called the XXXX house every day for week as I was told that the satisfied judgment was mailed last Monday XXXX XXXX, and as I kept calling back with questions and pleas to have the document faxed to the court, I was told it was then mailed on Tuesday XXXX XXXX. I do n't know what to believe any more, I just want my paid judgment of satisfaction to be faxed and mailed to the civil court as well as my home address so it can be reflected as paid at the XXXX house and I can move on from this situation. Thank you.
I have confronted Equifax and XXXX numerous times with the facts that these old, out of date, incorrect addresses keep appearing on my credit report, and that they need to be removed permanently from my credit report immediately. They fail to comply with my demands as these addresses are tied to old, out of date, closed and paid accounts that are past the statute of limitations for listing on my credit report. I have also requested that any old, out of date, paid in full, closed accounts be removed from my credit report immediately, because they are tied to these old addresses. I have provided Equifax, XXXX, and XXXX my current, correct address several times but as you can see in the enclosed documents, XXXX fails to list my address correctly, and Equifax lists a XXXX XXXX XXXX XXXX address for me still. I want all of these old addresses wiped from their files permanently!
We had a Home Equity Loan with Capital One Bank in LA. It was setup that the payments were automatically taken out of our account each month. At end of loan the last payment was NOT withdrawn for balance owed as the amount was lower [ not same amount ] than all the other payments and they did/do not, unbeknownst to us, withdraw from our account. Within 1st wk after payment should have been withdrawn I began trying to contact bank, emails & phone, to find out how and who to contact to see what happened to payment. Took about 3 wks to find person that told me about not withdrawing last payment and took payment information from me to close loan out. I WAS TOLD IT WOULD NOT BE REPORTED AS DELINQUENT. I have recently contacted bank again and was told " we DID NOT report as delinquent, a late payment ''. XXXX is showing this account " 30 days past due ''. Final payment was due in XXXX XXXX. Balance payment was made XXXX XXXX after Final Due Date as it took that long to find someone that knew what happened and was able to assist me in paying off and closing loan. XXXX, XXXX or whoever has caused my Score to drop at least XXXX points. Still good Score but it should be better.
I have a Chase XXXX Visa credit card, which I 've had for a few years now. On the card anniversary, Chase promises to give the cardmembers a hotel award night, which is placed in the cardmember 's XXXX account. My anniversary was some time in the fall of XXXX, and I did not receive my hotel award. I did n't realize that my award was missing until XXXX of XXXX, at which time I called both Chase and XXXX on various ocassions asking for my hotel award. XXXX companies blamed the other company for the issue, but eventually Chase sent me a letter indicating that I should have my award within 10 business days from XXXX XXXX, XXXX. It has now been approximately 40 business days since XXXX XXXX, and I still do n't have my award.
Agreed amount paid to settle debt with stipulation that updated reporting would be done to XXXX major credit bureaus. Debt paid but reporting not made to XXXX major credit bureaus.
I have been a victim of identity theft. It has been documented with the necessary police report and affidavits. This company States Recovery System refuses to delete the account from my credit file according to FCRA regulations despite being provided with the documents on several occasions via fax and certified mail. I hereby request account XXXX ( originally First XXXX XXXX ) be deleted immediately and no further action taken in regards to this account.
I have had my account for several years now with Regions. 

Anytime I had an charge that I did not have any money for or enough money, the bank would just pay it. 

I had to pay the bank and the overdraft fee. 

Now the bank has reversed a charge from my bank account, knowing that I have opted in for overdraft fee. A couple of times, I have seen charges over {$200.00} for an overdraft fee which I assumed was excessive. But I paid it. 

Now the charge that they reversed may get me kicked out of school because it was due on the 1st and my check will post tomorrow in the account. But I have to scramble to pay this so that I will not have to pay twice the amount for my tuition. 

Do the bank have the right to reverse this charge even though I signed up for overdraft? 

Please advise.
This summer, I tried to get the free copies of my credit report from the XXXX agencies. I have to report that it was very difficult. I was only able to get XXXX ( XXXX ) ; I had to pay for XXXX ( i.e., sign up for a {$1.00} trial at XXXX ), and I was never able to get Trans Union report. The free website would lock up, it was very difficult to use, and the whole process took hours.
2013 I filed for bankruptcy on my business in chapter XXXX bankruptcy, my house in it and my mortgage lender sold it to Ditech, telephone number XXXX. Loan # XXXX. I did not included my home in the payment to the court and pay it directly to the Ditech, during the course of the bankruptcy they failed to contact me or my attorney of any changes to my loan as far as the escrow changes etc, the never want to talk to me even when my attorney gave the okay to deal with me directly. The fixed amount that was transferred from the old lender was changed immediately my bankruptcy was over and they are claiming I missed payments which they can not prove. I have tried so many times to resolve this but we never reached anywhere.. please intervene to resolve this on my behalf.
I have submitted more than 3 official requests to have information corrected, deleted or marked dispute along with documentation supporting my claims to all XXXX of the major credit reporting agencies. All but one, Experian has dealt with the issues in question. They have refused to update or delete the disputed items. 
I have been trying to dispute these items for over a year now and this is a clear violation of the fair credit reporting act. The information is not accurate and documentation has been provided to support my claims.
this is now the third complaint because they keep stating different things in the initial complaint XXXX they stated that my XXXX account ending in XXXX could stay open because it was opened after the original filling and the conversion to a chapter XXXX bankruptcy. then I filed another complaint stating that my XXXX , XXXX XXXX, XXXX account would follow the same as the XXXX 'XXXX account opened after the initial filing and the conversion of the Chapter XXXX bankruptcy. complaint # XXXX however you are now stating that is not since the account were open prior to the Bankruptcy yes they all were opened around the same time. XXXX was opened XXXX, XXXX XXXX XXXX XXXX, XXXX 'XXXX XX/XX/XXXXand XXXX XXXX XX/XX/XXXXso you can see all account were opened after the initial filing of the chapter XXXX bankruptcy. They are stating than they account ca n't be re-opened because they were opened after initial filing and then a conversion took place they need to be closed. However please note that you have conflicting information from one letter to the next. Being that the XXXX account was opened after initial filing and conversion. All accounts were closed/suspended at one time and then in XXXX I was informed to fax over discharge to show no accounts included and all accounts were re-opened after conversion so I am beyond confused as to why you are now telling they need to be closed. There were even credit line increase given after the accounts were opened in XX/XX/XXXX. If you feel that all accounts need to be closed because of the conversion please quit sending statements as I will than consider all accounts included in bankruptcy and stop making the payments.
Bank of America falsely reported my mortgage as being 90+ days past due to XXXX on XX/XX/XXXX, even though the mortgage was under a forbearance plan due to damage to my property from Hurricane Irma , as detailed below : A forbearance was requested from Bank of America related to my real estate mortgage due to significant economic hardship that was created as a result of the damage caused to the subject property by Hurricane Irma . 

Correspondence received from XXXX XXXX, Collections Department, Bank of America, on XX/XX/XXXX, stated : You have been approved for a forbearance plan ( the Plan ), for your home loan, which means that you are not required to make payments during the time period of XXXX through XXXX ( the Deferral Period ). 

On XX/XX/XXXX, I spoke with XXXX XXXX XXXX from Bank of America regarding an extension of the forbearance. As a result of the conversation between Bank of America and XXXX XXXX XXXX XXXX XXXXXXXX, an extension of the forbearance was granted. 

Correspondence received from XXXX XXXX, Workout Department, Bank of America, on XX/XX/XXXX, stated : You have been approved for a forbearance plan ( the Plan ), for your home loan, which means that you are not required to make payments during the time period of XXXX through XXXX ( the Deferral Period ). 

In the correspondence cited above, both Forbearance Plan Agreements state : Federally Declared Disaster Forbearance : If the forbearance plan is the direct result of a Federally Declared Disaster, late charges will not be incurred, and we will not report on the account to the credit bureaus, during the course of the plan, nor is the agreement required to be executed and returned. The forbearance plan for the subject property is a direct result of the Federally Declared Disaster for Hurricane Irma, where the subject property is located. 

On XX/XX/XXXX, Bank of America provided a payment schedule for the forbearance plan. No payments were due through XX/XX/XXXX. 

On XX/XX/XXXX, I received a credit alert form XXXX XXXX, stating that my mortgage was flagged as being 90+ days past due. 

On XX/XX/XXXX, I called Bank of America 's Collection Department. When I brough the matter to the representative 's attention, she initially stated that there was nothing she could do since the mortgage had been transferred to XXXX XXXX XXXX on XX/XX/XXXX. I pointed out to her that Bank of America had reported the loan as 90+ days past due on XX/XX/XXXX, so it was Bank of America 's responsibility to correct the false information. She again stated that nothing could be done and I would have to write XXXX to dispute the information. 

Since Bank of America provided the false information to XXXX, breaching the agreed-upon forbearance plan, Bank of America should be spending their time and money to correct the false information submitted to XXXX, not the consumer! Their " too bad, we're not going to do anything '' attitude is absurd since they were the ones who provided the false information, causing a 75 POINT decrease in my credit score!! I'm especially concerned that this will prevent me from obtaining a loan modification due to their careless, " can't be bothered '' attitude!!
XXXXXXXX XXXX declined my application for financing the purchase of a new phone solely because I have another account with them. Earlier this year I purchased a XXXX phone using their promotional incentives Even though that account is many months ahead of current. I wish to file a complaint in that it precludes me from taking advantage of the offers otherwise available to XXXX customers including the trade in of my XXXX and the add-ons for the XXXX. 

Moreover, XXXX XXXX has been unresponsive in resolving this issue.
The consumer reporting agencies, XXXX, Exquifax and XXXX must correct or delete inaccurate, incomplete, or  unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

There exist two public records listed on my credit report that have not been verified by these agencies within the last 30 days. Each one is using old dates as part of their reference, dating back to XX/XX/XXXX and XX/XX/XXXX without either stating a verifiable source, such as the courts. 
Each of these bureaus are in violation of FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute related to the two public records listed on XX/XX/XXXX and Equifax ; and the one public record listed on XX/XX/XXXX. 
These companies have failed to list their sources and confirm the source within the last 15, 30, or 60 days of receiving my prior dispute of this matter.
I receive letters at about 2-3 years home from XXXX stating I had applied for a credit card with them I called them and inform them that I never applied for a credit card with them and to please noted on the system and do not accept any applications for credit cards with them because I had no plans of applying for a credit card with them about a year later I receive another letter trying to verify information concerning another credit card I had applied for I called them again they did n't accept the credit card but nothing ever done them they when ahead and reported to XXXX XXXX that I had applied for a credit card adding 2 hard hits to my credit score, I called them on XX/XX/18 and was told they had already taken care if but I looked at my credit score and the 2 hard hits still there I want to officially file a formal complain agains XXXX and request that they have the 2 hard hits remove from my credit score, XXXX XXXX, XXXX
On the internet I searched for " IRS EIN Number ''. A site came up appearing to be the IRS. With my CitiCard issued by Citibank, fooled by the site, I paid what I believed to be a customary fee of {$140.00} to the IRS. The next day realizing that the legitimate IRS provided EIN numbers free of charge I emailed the merchant informing I was rejecting his service. In fact I never opened the merchant 's email presumably providing me an EIN number. I informed Citicard of the above via phone and in writing. Citicard via their dispute process ruled against me. Attached find the dispute ruling ( 1 page ) and the documentation ( 8 pages ) submitted to Citibank upon which Citibank ruled the dispute.
ChexSystems is reporting an account under my name, social security number, date of birth and drivers license that does not belong to me. I have contacted ChexSystems before and provided them a copy of my police report, drivers license and social security card, but they have refused to properly investigate this matter. All they have done was told me that they verified the information to be mine using my personal identification when I have plainly and clearly told them and provided proof that I was a victim of identity theft, and they have refused to act in accordance with the laws that govern reporting information against consumers. They are reporting the following information against me and it is not mine and as a result of identity theft   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , AL  XXXX  Reported Name  XXXX   XXXX  Reported Address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX  Reported SSN :  XXXX  Drivers License : ( Blank ) RTN :  XXXX  Account :  XXXX  Reported for NSF : Amount : {$130.00} Paid in full settled This is not my account and I do not owe this and never did and I want this removed from my credit file
I have been a Victim of Identity Theft. I have asked Experian to remove a Fraudulent account Listed On my credit file. The Name of the Account is XXXX XXXX Account XXXX is XXXX, this collection does not belong to me and must be removed. 
Despite Six written requests to Experian, the unverified Fraudulent item listed below still remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of Experian first investigation and subsequent reinvestigation, Experian stated in writing that they verified that this item is being reported correctly? Who verified this account? Experian has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) Experian has failed to prove that this fraudulent collection account belongs to me, therefore, Experian must remove this account. 

I am attaching XXXX XXXX XXXX XXXX XXXX XXXX. XXXX where it shows that a fraud case is on file in XXXX XXXX XXXX Virginia. 
I am also attaching my Drivers license and social security card for proof of Identity. 

I am also attaching the responding letter that Experian has send me without any proof of verification ( a consumer contract with my signature on it ) Please Help!
Sterling Jewelers 30 day dept continued to call me after I explained that my wife lost her job and gave them a date I would pay asked them not to call me again on 3 occasions all 3 times I said Cease and desist. The rep ended the call and the next rep informed me that the only notes from the previous call were refused to pay. I explained that I told them the exact amount and date I would pay. Ic also told them to Cease and Desist. This did nothing to stop the harassment. They also tell me it wil be out of department if I do n't pay right then this is not true and the threat that they have or are reporting to credit bureaus if I do not give them my credit card info that day is false, they do not report until 90 days late. These reps have ignored multiple requests to not call my cell phone, do not call during working hours, Cease and Desist, do not call until after the date I said I would pay and to stop harassing me. They either do not keep accurate documentation of conversation or lie and mislead me by saying the notes do not exist. I have told them why I am late and promised to pay on a certain date asking for no more harassing calls unless I do not pay to no avail. These rude reps cut me off demand post dated payment and say I am ending this call and hang up after I tell them this is cell phone and I want harassing rude calls to Cease and Desist they then do not notate my account in order to calll numerous times per day threatening to transfer account to another department if I do not post date or call someone and borrow the funds. This department transfer does not happen and either does reporting. I paid cpayment due on the date promised and they continue to call my cell multiple times per day hanging up when I answer. This company is harassing me on my cell, during work, while I am sleeping, after a promise to pay with a date commitment and request for no more calls, multiple calls after being told one per day if they wo n't Cease and Desist, hang up calls after paid, mid documentation and misleading threats. Please stop them. Until my wife lost her job I was never late always lapaying more than due. Explained loss of income and was told to borrow. The HARRASSMENT has to stop or I will be unemployed also. I owe them less than XXXX and have asked for a change of due date so I wo n't be harassed to no avail. Still receiving hang up calls on cell from numbers all over the country when payment has been made during working hours and when I call the number back and end call after hearing who it is they call back constantly until answered. What part of Cease and Desist this is a cell phone you are harassing me I will pay Friday please stop calling until then do not call will be late while wife is unemployed and no I ca n't borrow DO THESE PEOPLE NOT UNDERSTAND? All my other debtors work with me. Will never shop at any of their stores again. No harassment was involved in purchasing. Something has to be done to stop them.