WillisBack/dataset-financial-user-claim huggingface dataset:
Chase informed me yesterday that I had to pay a debt that they say I had in the amount of {$2000.00} in order to have credit. This is discrimination. Please read everything here. Chase placed a 30 day late payment on my account ending in XXXX and I am requesting full documentation on this incident since the opening of the account and the removal of this from my credit reports. This was a new Slate card just opened and I never received any kind of statement of notification on this new account. I was also charged a late fee at the time and contacted Chase. They realized their mistake and removed the late fee but refuse to remove the XXXX late on my reports. I have been in the banking industry for years as Credit Manager, Supervisor, Underwriter and this is just wrong by Chase. I also need this info to present to my attorney for action toward Chase. I responded to Chase 's email yesterday and contacted them by phone about this 30 day late again and they refused to do anything. I have been trying to resolve this for quite some time with no luck. I closed all my accounts with them because of this incident over XXXX in credit. Yesterday by phone they informed me of a specific debt collection on a Chase account that I have no idea what it is and they informed me is was a converted account through Chase but they had no idea what it was. Chase must really have issues, here is my question. If I had a collection for an account through Chase some 15 years ago that was never collected on, why would I then be approved and have XXXX cards through Chase with limits over XXXX after the fact? I asked them that question yesterday to only get no response on the subject. One of the many representatives did comment however that it makes no sense and she had to refer me to another person. Also payments were always made on time on all my XXXX cards through Chase. What is going on over there. Please send me info on this other account you say I had and remove the 30 day off my account ending in XXXX. This is a great example of bank corruption and how it negatively has an effect on the consumer who gets the blame. This is discrimination and defamation of character to the consumer. How can Chase issue XXXX credit cards that I have had for years and then give me the reason for denial of credit because of an account I have no idea about that was in collection so they say but have no idea. I have worked for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. Chase has issues and very very poor customer service. Why if I was so wrong would I close all my accounts through them? I can not believe they can get by with things like this.
I have been a customer o f Citi Bank Credit Cards  since  XXXX . I tried to use a credit card on  X/XX/XXXX  and found that charge did not go through. So, I called the number on a back of the card. The representative said that the card was closed on  X/XX/XXXX . On  X/XX/XXXX , I received letters on all of  my Citi Credit Cards saying that at Citi 's d ecision all of my cards were closed. I called t he Citi Executive Office  at  XXXX . Th e executive rep told me that I have to write a letter to Citi  Bank in order for me to get answers to why my accounts were closed. Since  XXXX , I have never missed payments, never used the cards for illegal activities, etc. So, I am writing to you now to inquire what happened.
I recently got a mortgage and now I have numurous hard inquries on my credit reports. 
I have talked with XXXX equfax about an account XX/XX/XXXX that was taken out of my S.S. Ck. I also had accounts that were to be removed from my accountsBecause they were from XX/XX/XXXX Iwould like a forensic revue of my accounts.If that isPossible. Thank you XXXX XXXX
Hello!     My checking account at the  Fifth Third Bank  went into overdraft on    X/XX/2017 .
<P/>  The bank did not notify via mail, phone, email or text.  <P/> I have banked regularly with th e Fifth Third Bank  for over 10 years and have received regular direct deposits during this time period. My lengthy history wit h Fifth Third Bank  demonstrates regularity and compliance.  <P/> If I had received any type of notification fro m the Fifth Third Bank   regarding the balance of my account I would have taken immediate action to correct the error.  <P/> My payroll did not go through as it always has, so the account balance went negative.  <P/> I find it absolutely unacceptable that over the course of 10 days the bank took no action to notify me, but instead ran rapid fees to my account.  <P/>  Fifth Third Banks states  they sent " emails '' which I never received. If I would have I would have called my employer immediately, called the bank and corrected the situation.  <P/> When I conta cted the Fifth Third Bank in hope finding a resolution that works in both our favors they denied me any act of  compassion or understanding.  <P/>  Fifth Third Ban k stated " We recommend checking you account regularly. '' The bank issued a credit to my checking account in the amount of {$37.00}  Fifth Third Bank sa id " Check you account notifications to avoid this in the future '' I spent over a week on the phone with different managers, account representatives and branch managers with no resolution even considered from the bank.  <P/> Even after I talked to the bank they continued to run fees on my account.  <P/> They have prevented me from paying m y Fifth Third credit ca rd bill which I asked my parents to pay to avoid any more fees from them. As of now I am not allowed to make payments.  <P/> I feel I was scammed by The  Fifth Third Bank . As I am a regular working class person who is paid regularly.  <P/> I find this appalling and unethical.  <P/> The dates and fees are as follow s :  X/XX/2017  in the amount of {$110.00}  X/XX/2017  in the amount of 148.0 0  X/XX/2017  in th e amount of {$110.00}  X/XX/2017  in the amount of {$110.00}  X/XX/2017  in the amount of {$74.00}  X/XX/2017  in the amount of {$110.00}  X/XX/2017  in the amount of {$37.00}  X/XX/2017  in the amount of {$37.00}  X/XX/2017  in the amount of {$37.00} ( bank wo n't allow me to pay my credit card bill and charged me a late fee ) Total overdraft fees equal {$770.00}.
I applied for an apartment complex, XXXX XXXX, who uses XXXX for their third party screening. I applied and was approved at the end of XXXX. The XXXX inquiry shows on my TransUnion credit report. Less than a month later, XX/XX/2018, I notice a second inquiry from XXXX on my report. I quickly called XXXX to inquire about the second inquiry. They stated they would only request a copy of my credit, under the direction of the asked company, which happens to be XXXX XXXX. I called the leasing office. Everyone in the office denied the claim. I later emailed the emailed the leasing specialist. She admitted to sending a second inquiry about my credit score via email. She stated it was an accident. I emailed the property manager. She stated that she would reach out to XXXX and let them know this was an inquiry in error. I also sent a dispute letter to TransUnion which was delivered XX/XX/2018. Since then, the inquiry has remained on my credit. TransUnion has not informed me the dispute is open. It's been past 30 days since the dispute was received and still remains on my credit.
On XX/XX/XXXX, I checked my credit score on XXXX XXXX and seen some collections that didnt belong to me so i filed a dispute with transunion. Here it is XX/XX/XXXX and my dispute is still under review, which goes against what is outlined in the FCRA. I know this as I work in XXXX  XXXX  and learning the FCRA is one thing we are required to learn and know.
My separated husband has opened credit cards in my name without my knowledge. I found out by reviewing my credit report. Several i am an authorized user and at least XXXX i am a joint user which means i am also responsible for the debt for which he created an is now in charge off. It is over {$14000.00}. I am trying to keep from filing bankruptcy so my credit will stay good. He is in the process of filing bankruptcy. I never had a credit card. He never told me that he did this.
On XXXX/XXXX/16 Chase bank XXXX no XXXX XXXX XXXX CA. The ATM withdraw of {$400.00} Atm did't give the cash We went inside to draw the money the account showed a ATm withdraw of {$400.00}, but we did't get the money.Showed the banker the ATM slip showing we did n't money So they put the money back into the account. But a month later they took it out again. saying it not on there summery of transaction. Now every bill has bounce I 'm about to homeless..
The debt I'm alleged to owe is XXXX from XXXX XXXX. XXXX XXXX  abruptly canceled my home owner insurance because of my roof. However XXXX XXXX denied me time to hire a roof contractor to look or even repair my roof if need be. This was due to the weather as to why I need and requested an extension for someone to see if I need roof repair. 

XXXX XXXX cancelled my home owner insurance on XX/XX/2018. I was then told that my insurance was covered till XX/XX/2018 and I did not need to pay any more when my insurance is canceled on XX/XX/2018 from XXXX XXXX. This was told to my spouse XXXX XXXX   local agent and corporate headquarters. Now i have been put in collection without being told by XXXX XXXX prior to being put in collections. Plus I was told that I do not owe any more money. Now Im being threatened by this collection agency to pay money that I do not owe. I received Spam virus phone calls from the collection agency all day and night. The Credit Collection Services continue to Threaten to report me to the credit reporting agencies if I dont pay now. Also Previously I have been with XXXX XXXX for over 20 years, and am very disappointed with the current events with my Home owner insurance policy.
I have been trying to defer payments from being on XXXX. I finally received the documents to do the deferral, but they are still charging me late fees and have reported missed/late payments to the credit bureaus despite being in the process of deferral. It took 2 months to defer the payments on their end, it should never have been reported. The customer service team was rarely helpful and refused to let me speak to supervisors about my account.
I signed up fo r a Mastercard Gold Card through Barclaycard 's "  Luxury Card '' brand in   XXXX   XXXX    . Prior to signing up and activating my card, I called and verified that  Barclaycard  waived annual fees and granted  SCRA benefits to active duty servi ce members, which they did. Less than a yea r later, Barclaycard has   mailed me a notice saying they have changed their policies and rescinded the portion of  SCRA benefits that allow service members to have their annual fees waived if they were already on active duty when applying for their credit card. They will now charge an annual fee amounting to {$990.00} for myself and {$290.00} for my wife as an authorized user. The balance on the card must now be transferred to another card prior to cancelling, creating additional fees due to balance transfer. Barclaycard 's policy chan ge is unethical and forces service members carrying a balance to either pay a balance transfer fee to another credit card or pay an excessively high annual fee they were not anticipating.
I was denied credit by my bank based on a trans union report on XXXX/XXXX/15. Trans Union will not provide my credit report. I have written them to request my free report on XXXX/XXXX/15 and have the return receipt form the post office showing they accepted the letter on XXXX/XXXX/15. I have uploaded this return receipt. They are still denying me my report. I tried requesting it through freeannualreport.com. They give confirmation questions with info from my file. None of the info for accounts showing opened under my name is mine. When I answer honestly, the site says that based on my answers, they are not able to provide my report. When calling their support line, the call is routed to XXXX, and they do not understand what return receipt is and they do not understand the federal law that says I have a right to my report. When I ask for a supervisor, they hang up on me. They have hung up on me 29 times now. I just want my credit report. Can anyone help?
Preferred Collection and Management is trying to collect a debt that I do not owe and does not belong to me. I have requested this company to provide validation of debt from original consumer, which I have not received any information relating to my request. I would like Preferred Collection and Management to remove this derogartory collection account from all credit bureaus immediately.
I can not find my XXXX child 's social security card and fear that it may have been in my purse when it was stolen in XX/XX/2016. Thus, I am following the recommended steps to get a credit report on my XXXX child under XXXX, which includes filing this complain with CFPB. I also filed a police report.
XXXX XXXX, XXXX I received a call from XXXX XXXX at XXXX XXXX. However, I was traveling that day to XXXX, Hawaii. I did not receive the message until XXXX XXXX Hawaii time ( 3 hour time difference ) They had advised me that if I did not call by XXXX XXXX ( MT ) that my payment would be late ( 30 days ). This was a complete oversight for not making the payment in time as I had thought I made the payment. I immediately made the payment via online that very day. I checked the website again the next day, XXXX XXXX, XXXX and the payment did not post so therefore I made another payment. I ended up calling XXXX to make sure they received my payment as they advised me that there was two payments of {$820.00}. She said I should cancel one as  they did in fact receive the first payment. XXXX still marked me as a 30 day late. I have had an account with them for 5 years and have never been late. I asked if they would make a one time exception for remove the 30 day late given the circumstances but they did not. This greatly effects my credit and the ability to get another car. I would like to keep my account with XXXX but if this does not get handled then I will not be a customer again come the end of my lease term.
I originally had a collection with XXXX wireless for data charges I did not agree with. They sent me to collection. Each time we agree on an offer, the collection company sells the debt to another one. I am now on the fifth collection company. I am unable to settle this debt. The latest company was sent a certified letter to only contact me in writing, never by phone. The continuously contact me by phone. They refuse to contact or respond to my correspondent. Instead they threaten to sue me.
My problem consist in that the two credit operators equifax and XXXX, report data that is incorrect about me. This happens because I share the same name with my oldest son, I am tired of telling them by phone that this is not me, that they are reporting my son 's credit data, that my son 's birth date is XX/XX/XXXX and I was born on XX/XX/XXXX and we also have different social security number. But they tell me that in order to correct their mistake, I must send them all my personal documentation that confirms my identity ... and then I asked them : how is it possible that you report wrong information about me, but you tell me that you dont have my information? This is a contradiction and a paradox. I am not willing to give any private information to these credit agencies, I have no relationship with them and I will not correct anything that I have not created, those errors in my credit report are NOT attributable to me, they are the ones that have to be well documented before destroy my credit records and my reputation, all this has affected me in the request for an increase in my credit cards limits, in the cost of my insurance policy of my car and in my driving record also. They have damaged my public image and my credit reputation, having reported unverified and incorrect data about me.
I can not get copies of the original loans documents so I can hire an independent auditor to determine if all of the costs from forbearance agreements and fees and interest are accurate. 
I also want to find out how to be part of the class action group suing Navient for the many complaints filed against it by the CFPB
On XXXX XXXX XXXX, I was purchasing my Airline tickets on XXXX XXXX website ( XXXX ). During checkout process for my airline tickets, I was presented with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX promotion, with offer comprises following 2 rewards. 1. {$100.00} statement credit on purchase of XXXX XXXX air tickets. 2. 60,000 Bonus miles on making purchases of {$3000.00} in the first 3 months of applying the credit card. I liked the offer and agreed to apply for the card as part of my checkout process on XXXX. My application was instantly approved and the tickets were charged on this newly applied card. I was also provided with a temporary credit card that I could use until my physical creditcard was received. I made charges worth more than {$3000.00} on this credit card in the next 30-45 days. It 's been 2 statements and I did n't see {$100.00} statement credit on my credit card statement ( as per reward 1 above ). I also did n't receive 60,000 Bonus miles yet. I called Citicard and they told me I am not eligible for the above offers. I have disputed this with the Citicard as well. I am not agreeing to their decision as I was NOT informed about this ineligibility during my credit card application process ; nor I was made aware of any exclusions by asking me to read any specific *attached strings* or taking my confirmation. Not only that, I was not made aware of this exclusions all the way till I charged {$3000.00} on the card and after waiting for weeks, when I called them asking about why I have not seen {$100.00} statement credit and when will I get Bonus miles credited to my Aadvantage number ; thats when Citi customer service told me I am ineligible to get the Bonus miles. I have disputed this with Citicard customer service and am still waiting to hear their new response.
On XXXX/XXXX/XXXX I received a letter from Accelerated Receivables Management, Inc ( ARM ) attempting to collect {$3900.00} resulting from routine XXXX performed in XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to XXXX XXXX XXXX XXXX of NC XXXX XXXX XXXX, XXXX never filed a claim for this work, but since I was covered, they would pay should they receive a claim. I have explained this to ARM, and even offered to file the claim myself. I have yet to receive a bill or an itemized statement from XXXX or ARM explaining the charges. It is my understanding that XXXX filed bankruptcy, and I am concerned this may be an illicit attempt to profit off discharged debts, if not insurance fraud.
I disputed a public record with Equifax on XXXX/XXXX/16. On XXXX/XXXX/16 I was emailed that the investigation was complete and was verified by the court. In my original dispute I included copies of the legal agreement stating that said public record would not be executed or rendered as long as payment was made per agreement. I included copies of payments. I still have 3 payments left but equifax says they verified it was satisfied via the court. I spoke with several court employees and the court website which stated they do n't do any verification with the credit agencies. XXXX removed this item due to it never being rendered or executed and inaccurate. Equifax has violated FCRA 611, 609, and 623. Equifax also has never marked this item in dispute on my credit file. I have filed a reinvestigation with Equifax again including the stay of execution order showing that this is not a valid judgement and needs to be removed from my credit file. Equifax has also refused to provide information about their verification with the courts. Please see attached public document stating in page XXXX paragraph XXXX that execution is stayed if payments are made as scheduled.
National Credit Systems continues to re-report a debt after I have disputed it and won twice. The credit bureaus have deleted them from my credit, but this agency comes back and re reports it. They hold a debt from a Judgement. XXXX XXXX Court was unable to validate or substantiate the judgment as the file was incomplete and had inaccurate information. They have deleted this from XXXX and XXXX. If the court can not even validate this debt, certainly this collection agency can not either. So they should not be able to continue to report this on my credit and must delete it. I have asked verbally and in writing 3 times for them to send me what they have in order to validate this debt. They have yet to send me anything in the mail and when I call, they leave me on hold. At this time, while writing this, I have been waiting on hold to speak with someone fore XXXX36 mins and counting ... 
Please hold the agency accountable. They are unlawfully reporting to my credit and my next step is to sue.
I have sent Experian several disputes letter trying to dispute items off my credit report. It seems that they are finding items that should remain on my credit report. I have sent them letter saying that these are not my account. I have had no contract with these companies. All the credit cared that 's on my credit report was done online. Somebody open up credit cards in my name online.  XXXX  and  XXXX  has deleted these items off my report after finding out that it was not mines. Experian is so hard to understand that these items are not mines. I have received letters from the company saying that it is a fraud and i sent them out to Experian and they still have it on my credit.i have others items on my report that is fraudulent.
According to ALL of my credit reports, this account was PAID, and is now CLOSED. I have already spoken to one of their collectors regarding this debt. She informed me that she would request removal from ALL of my reports!!!!!! Also, this account was opened without my permission, I informed her of that as well. So, WHY IS IT STILL ON MY XXXX REPORT?!!!!! I check those DAILY for ANY XXXX ID THEFT/FRAUD, and there should be NO DEBTS on there at all!!!!!!!! I have been a victim since I was XXXX years old, I am NOT doing well healthwise, I am ONLY XXXX years old, however XXXX DO NOT care how old you are!!!!!! And I REALLY am sick of ALL of these debt collectors in general LYING to you ( CFPB ), about accounts being valid when NO, THEY 'RE NOT!!!!!!! Also, I CAN BARELY SIGN MY XXXX NAME OR ANYTHING ELSE DUE TO CARPEL TUNNEL OR FILL OUT ANY XXXX FRAUD AFIDAVIT!!!!!! THIS STUFF NEEDS TO STOP, BECAUSE I DO NOT HAVE TO PROVE A XXXX THING TO ANY OF THESE COMPANIES WHATSOEVER!!!!!!! I HAVE ALOT OF THINGS GOING ON AND DO NOT NEED ANYMORE PROBLEMS!!!!!! I DO NOT KNOW HOW MANY MORE XXXX TIMES I HAVE TO SAY IT, THE POLICE DO NOT ASSIST IN ID THEFT MATTERS AT ALL UNLESS YOU 'RE FAMOUS AND ARE JUST SITTING ON MONEY OR THEY LIKE YOU AS A FAN!!!!!! I AM NOT THE ONLY PERSON THAT THEY REFUSED TO TAKE A REPORT FROM!!!!!!!! AND I DO NOT WAN NA HEAR A THING ELSE REGARDING THAT!!!!!!!! THE AMOUNT OF THE DEBT WAS {$96.00}. THANK YOU!
I sent in a creditors validation letter to XXXX to validate the debt. They was unable to do so in the time allowed by the Fair Debt Collection Practice Act. I want the debt removed from my credit report.
I received a Notice of Writ on Garnishment & a Continuing Writ of Garnishment Against Salary or Wages. The final judgment against me was obtained on XXXX XXXX, 2004. I am in Florida and the Statute of Limitations is 7 years. To protect myself I am filing a Head of Household Claim of Exemption & Request for Hearing in XXXX County Court today. I have done research on the Plaintiff, XXXX XXXX and have found many complaints and class action lawsuits against them for illegal and unethical practices. I am very concerned about this as I am supporting a XXXX year old child on less than {$XXXX} a week net and my employer has begun withholding 25 % of my net pay until the hearing is held and my exemption is ruled on. This company at XXXX time froze a bank account that received direct deposit for child support and my minor child 's XXXX, while I was unemployed and a student, which is illegal!!!