WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Chase regarding my attempts to make payments using their mobile app which is how I have always made my payments. Since XX/XX/XXXX they have charged me a late fee each month on top of interest when I was told I was getting 0 % for a balance transfer I completed. It seems as if every time when it gets close to making my payment, theres an unknown issue with the mobile app and I have to call Customer Service to make my payment and ask for them to waive my fee. I contacted Customer Service. I have two accounts with them. One Newley opened. It would not allow me to add my external account to make my payment on time and when it was added after the fact I was then charged a {$25.00} late fee. They did not remove the fee. The card Ive had for years with them I completed the balance transfer on. I was misquoted the difference I needed to pay so I wouldnt be charged interest and the representative that helped me told me he would not waive but one fee. Since then I have been charged a total on one card that has not been credited back {$100.00} on one card and {$25.00} on the other. I have contacted the Executive Office of The President on XX/XX/18. Spoke with a guy named XXXX. He hung up on me and didnt call me back. I called back and got a Supervisor in complaints who put me on hold and never came back and made the call hang up again. Not happy about this. Ive always paid my credit cards on time.
Mid west recovery systems claims this loan was opened XX/XX/2017 but its actually a lot older then that. So old I forgot when I opened that pay day loan. I was never contacted in an attempt to collect the debt owed because if I was I would have paid it.
On XXXX/XXXX/16 I traded my previous vehicle for a new vehicle. My payment date on the previous vehicle was XXXX/XXXX/16, therefore I did not make a payment. Both my previous car loan and my current car loan are through Chrysler Capital. My new loan included pay-off of my previous loan. On XXXX/XXXX/16, I received a call, from Chrysler Capital, stating my payment was 30 days late, much to my surprise. After being informed of this, I immediately called the dealership that I had purchased the new car from. They told me that a check had been mailed to Chrysler Capital, on XXXX/XXXX/2016, along with XXXX other checks. The XXXX other checks had been processed through their bank, but the check for my pay-off had not. The dealership attempted to right the wrong, as much as they could, by calling Chrysler Capital, to no avail. The dealership did stop payment on the original check and sent another check, that has now been received by Chrysler Capital. This check posted to my previous account on XXXX/XXXX/16. After more than 10 days of frustrating calls and leaving messages, the " Office of the President '' has informed me that they have no choice, but to report the late payment to the Credit Bureau. I feel that this is unnecessary and unfair. They had access to both my previous loan and my new loan to see that a pay-off was in the process. I had no reason to think that there was any problem with the pay-off of my previous vehicle. There were no phone calls, emails, or letters informing me that the payment was late, until it was going to affect my credit.
From XXXX 20+ phone calls made 18+ representatives/supervisors 4 requests to have calls pulled 44 business days, 64 calendar days unresolved Company is claiming that our account was at one point 30-60 days delinquent and has reported this information to the 3 credit bureaus. It was reported on XX/XX/XXXX that the XXXX payment was 30-60 days late. We have had calls pulled and transcripts reviewed documenting that the account was never 30 days delinquent. This information was provided to us in letter form, outlining what occurred on the calls but is still being prefaced with there is no bank error and it is still the account holders error. 

XX/XX/XXXX - Account was opened. 
XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX along with the XXXX payment with a live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX through automated system in the amount of {$160.00} XX/XX/XXXX - {$84.00} payment due - payment made on XX/XX/XXXX through automated system with XXXX payment XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX through bank website XX/XX/XXXX - received notification that there was a change to our credit scores and found that it was reported our account was XXXX days late. We contacted the customer service department to find out what happened. On this call, the representative acknowledged there was a system error that post dated our XX/XX/XXXX payment to XX/XX/XXXX causing the system to think the account was late. The representative removed the XXXX late fee, submitted a dispute on our behalf to have the credit report error fixed, and assisted us with getting the payment processed that was pending and making the next months payment for XXXX. 

XX/XX/XXXX - it was reported to the credit bureaus that XXXX was XXXX XX/XX/XXXX - we were told that the XXXX payment is what was XXXX days late because there was no payment showing on the XXXX statement. No calls were pulled per request even though the XXXX payment was made on XX/XX/XXXX XX/XX/XXXX - we were told that the XXXX payment was 30+ days late. XXXX payment was made on XX/XX/XXXX On four different occasions, four separate representatives told us different dates that were late. We were told XXXX, XXXX, XXXX, and then XXXX in that order. There are inconsistencies from what they are telling us, what was discussed on the phone calls, and what they reported to the credit reporting agencies. 

Additional documentation attached.
XXXX XXXX is showing me as having authorized user status on a XXXX account that isnt mine. I have called them on numerous occasions, the latest being XX/XX/18 and asked them to remove my name from the account. I have not authorized XXXX XXXX to issue me a card on this account nor consented to them to report this accounts status information to my credit file. They refuse to remove me as an authorized user and delete the account from my credit reports.
XXXX account and XXXX card accounts were deleted last month and readied at the end of the month. The XXXX balance was wrong also and creditor agreed to remove from report. XXXX card account is Fruad.
Commonwealth Finance {$240.00} Opened XX/XX/2018 There is no contract, no valid claim ... account was settled with original creditor ( XXXX  XXXX XXXX XXXX XXXX XXXX ) ... grave errorsfalse claim and reportingI want this account removed immediately or litigation ... it is against the law to attempt to collect a debt twice Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
In XXXX of 2018 Navient debited my account for my monthly installment 2 days before the payment due date. I had more than enough money in my account to cover the payment but for some arbitrary reason then 'reversed the payment ' without any notification that there was a problem on their end. Then I receive a message AFTER the payment due date saying that I've missed payment. I call in only to told there is nothing I can do about the incurred interest due to a missed payment even though I didn't miss a payment. I know it sounds petty to worry about the incurred interest but when you have almost 90,000 in student loans and the interest rate is nearly 7 %, I need to worry about every single penny of my balance.
I contacted XXXX XXXX on XXXX XXXX to ask for them to validate the debt. I do not believe it is mine. They did not respond so I wrote again on XXXX XXXX and they still have not responded to prove that the debt is mine. Under FDCPA, they must remove the account being reported because they could not send me proper validation.
XXXX Data Breach XXXX XXXX, XXXX and Incorrect accounts on my credit report. I am a victim! 

A Huge security breach at credit reporting company XXXX has exposed sensitive information, such as social security numbers and addresses of up to 143 million Americans. THE BREACH HAPPENED IN BETWEEN MID XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> TO XX/XX/XXXXAND XXXX IS JUST NOW MAKING THIS PUBLIC XXXX XXXX, XXXX. 

Unlike other data breaches, those affected by the breach may not even know they 're customers of the company. XXXX XXXX XXXX XXXX is one of the three nationwide credit-reporting agencies that track and rate financial history of consumers. The company gets it 's data from credit card companies, banks, retailers, and lenders -- sometimes without me knowing and WITHOUT MY CONSENT! 

The data breach is among the worst ever because of the amount of people affected and the sensitive type of information exposed. My personal information was exposed including my social security number, date of birth, credit card numbers, addresses, phone numbers, and dispute documents. 

XXXX has confirmed and claimed that as many as 143 million people in the United States were hit. Others in the XXXX and XXXX were also impacted, but XXXX has n't said how many. Credit card numbers for about 209,000 U.S. customers were compromised, in addition to " personal identifying information '' on about 182,000 U.S. customers. 

I have been disputing incorrect accounts on my credit report sinceXX/XX/XXXX and XXXX did not notify me in the mail stating that my personal information and dispute records were breached. XXXX jusst informed the public XX/XX/XXXXwhen this unauthorized and breach happened in mid-XX/XX/XXXX XXXX  confirmed and claimed that the criminals " exploited a U.S. website application vulnerability to gain access to certain files. '' The company has n't clarified who is behind the data breach, but noted that an investigation is ongoing. 

XXXX is proposing that i sign up for credit file monitoring and identity theft protection for one year. Doing so by signing the proposal and service voids my participation in a class action lawsuit. I will not consent or sign anything XXXX has to offer. The company operates in fraud and my reasons are the following : 01. IT WILL LOCK ME INTO BINDING ARBITRATION CLAUSES IN THE AGREEMENT 02. ENTERING INTO  THAT AGREEMENT WILL LIMIT MY REMEDIES 03.  ARBITRATION IS ONE-SIDED WHEN IT COMES TO BIG COMPANIES 04. ARBITRATION TAKES A LONG TIME 05. ARBITRATION ALLOWS XXXX TO MANIPULATE THE PROCESS 06. MY DATA WAS BREACHED AND EXPOSED I CAN SUE XXXX FOR A SUBSTANTIAL AMOUNT OF MONEY. 
07. WHO HAS MY DATA NOW AND AFTER THE BREACH? XXXX DOES NOT KNOW! 

As a Secured Party Creditor I will be filing the following against XXXX : AN ADMINISTRATIVE CLAIM FOR DAMAGES, A TORT CLAIM AND COMMERCIAL LEIN AND THE ONLY WAY THE LIEN CAN SATISFIES IS : TO PAY IT! OR A TRIAL BY JURY. XXXX DOES NOT A TRIAL BY JURY! THIS IS WHY THEY WANT ME TO ENTER ARBITRATION.
I was alarmed when I obtained my XXXX XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2014 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
I calle d KeyBank at the  end  of  XX/XX/XXXX  for a def errment. The deferrment was approved. I have sent in the agreement  four tim es, and they have only gotte n one of  them, and will not accept it because it was cut off. I called yesterday to confirm receipt of the agreement, and she said she only got the one that they can not accept. If I am sending all of them to  XXXX  XXXX  XXXX , how have you only received  one of the four? I fe el as if they are forcing me into losing my car, and I am doing everything that I possibly can to ensure this is taken care of.  <P/> Th e agreement is due today (  XX/XX/XXXX  ) and  I am worried that they are going to claim they did not get it, or that they can not accept it.
I previously submitted a complaint regarding SpringLeaf Financial Services who blatantly discriminated against me as a XXXX minority regarding a consolidation loan submitted on line, whereby, the loan was approved on line and I was only required to submit additional information which was my XXXX Paystubs to finishing processing the loan. During the call, the representative asked about the vehicles regarding mileage and gave stated they were being paid via a loan and at no time did the representative state this was a stipulation on being granted a loan. They saw the credit report and obviously it was approved minus the paystubs being submitted. This request for a loan consolidation should have been processed without discriminating towards XXXX minorities. This another form of suppression. Also, when I submitted my original claim to CFPB incorporating information above and additional details, I received a call from Springleaf stating they were investigating the details. This was just a cover-up for their discriminatory behaviors. Afterwards, they send a letter with XXXX invalid excuses, after initially being approved on-line. The only requirement which was stipulated in an email which I previously attached to the original claim was their request to view the Paystubs. When I received the 2nd call from the original SpringLeaf representative, she had already reviewed the credit, debt-to-income ratio, etc. So, sending a letter after the fact, is retaliation and another form of credit discrimination, in and of itself. This company should not be in business, as they discriminate in their local offices and underwriting area again XXXX minorities in the communities around the U.S. Also, why continue to send pre-solicitations to clients via email when you have already pre-screened a candidate for approval. Again, after completing the application and being lied to after submitting pertinent documentation as proof, is another form of credit suppression and not allowing XXXX minorities access to capital in the United States. This company needs to be investigated for their illegal, discriminatory, and retaliatory practices!
Merchant 's Credit Association In XXXX , SC is attempting to collect XXXX accounts from me, both of which I do not owe. XXXX they state is for {$76.00} and the other is for {$48.00}. My insurance covered these services and I was never told that I had any balance owing. I have disputed these claims with this collection agency and have had no response to my disputes or request for proof. They are reporting these items to the credit bureaus fraudulently and I want them removed asap. In addition to trying to collect on money that is not owed, I have received harassing/threatening phone calls and letters even after I have asked them to cease communication due to the rude and unprofessional way in which the representatives have addressed me when I try to dispute these claims. One letter I received dated days after I last disputed these accounts was demand for payment, ignoring my previous disputes. They stated they will use whatever available means they have to collect, but do n't indicate exactly what they mean by that. The letter goes on to inform me that my name may be listed on a " XXXX XXXX XXXX '' that employers and creditors have access to, and that these erroneous charges may affect future purchases and job opportunities. I find this to be very threatening, especially since I could not locate any information on a " XXXX XXXX XXXX. '' This all seems to be very misleading. I have attached a copy of the letter for XXXX of the XXXX accounts this company is claiming that I owe.
I took out a loan had problems paying them back. XXXX XXXX has been allowing me to extend the loan and paying them back. I did a settlement plan with them for XXXX per month. In XX/XX/XXXX I asked if I could split the payment every to weeks. Which they agreed for the month of XX/XX/XXXX. 

I called today requesting if I could split once .again due to my financial circumstanes- I was denied. They have my checking account number and even offered my debit card information. I askef for a supervisor to plead my case. 
I simply asking to split XXXX every two weeks in which I get paid. I'm a XXXX with a XXXX XXXX and need medications to survive! Please help!!! 

XXXX
XXXX XXXX XXXX XXXX Va XXXX Dob XXXX/XXXX/XXXX SS # XXXX XXXX has agreed to remove the unauthorized inquiry from my XXXX credit profile franklin America XXXX/XXXX/XXXX YOU Have MY ID Attached so do n't play that game of we do n't have your id on file you also have my utility bill you have my drivers license attached
I attempted to access my account online and was notified by the online portal that my account had restricted access and that I had to call their help number. This first occurred on XXXX XXXX, 2017 which was a sunday. The number I called notified me that their helpdesk was closed. So, I called again on Monday XXXX, 2017, the date I am making this complaint. After speaking to the first person, they told me I had to go to a SunTrust bank branch in order to prove my identity and have my account unlocked. This is not possible because I live in Colorado and they do not have branches west of the Mississippi. So, that person told me to call the branch in which I opened my account. Which was the XXXX, FL branch. After speaking to the fraud and support specialist there, they informed me that they can not do anything with my account unless I go in to the branch in person. They then directed me to speak to SunTrust 's fraud department over the phone. After speaking to multiple people in this department who all gave me the same " you have to go to a branch '' they finally escalated the call to a supervisor who then gave me the same " you have to go to a branch '' response.
<P/>
So, I am stuck here unable to access my accounts with SunTrust because they are, for some reason, requiring me to go in to a branch to verify my account. Over the phone I verified my name, address, account number, social security number, etc and they still said that I have to go into the branch. As you can tell, this is an absurd request on their part.
In XXXX, XXXX, I received a notice from Columbia Collection Service. On XXXX XXXX, XXXX, I responded with a dispute requesting proof. On XXXX XXXX, XXXX I received a second letter still attempting to collect, without having received any proof. I wrote a second letter notifying them the debt is disputed and to provide proof. On XXXX XXXX, XXXX I received a 10 day notice to pay with the underlying tone they were planning to sue for the disputed amount. I sent a certified letter reiterating that the debt is disputed and proof had not been received. On XXXX XXXX, XXXX, I was served with a small claims suit. At no point has the agency provided the required documentation.
XX/XX/2016 {$250.00} This debt is not mine and I am not sure where it came from.
i had to go to an XXXX XXXX XXXX on XXXX XXXX 2017. while there, someone i rented a room from used one of my trusted devices to access my netspend debit card account, among other things, she blatently transferred {$200.00} from my account to her sister 's account. ( i checked from a payphone at the program ). After the phone inquiry, i opened a dispute. the company required me to send them an email ( not allowed in the program ) to get credited for the remainder of the investigation. Long story short. the company sent a letter with alot of transactions but not the main one in question and stated that there was no irregular usage of the card or account which was false as i had NEVER transfered any acount to account funds and that alone should have been a red flag. There is also the question of why wasnt that specific transaction shown in the original mail they sent ( they sent 2 to the program ). im finally out of the program now and did a follow up on the issue and appeal their decision. i got a response that i would get a reply in 48 hrs ... its been almost 2 weeks. 
its really troubling that i explained to the operator the situation about the XXXX XXXX in detail about response times i am allowed, follow ups, and lack of internet access. it seemed as the operator was just in a hurry to end the call.
I have never received any letter from them stating that I have a medial debt. They have never called me. They have never emailed me. My doctor 's office has never called me regarding a bill not being paid. I absolutely Do NOT have a contract with Collection Service of Athens. 
I have asked for verification of contract and I have not received any response at all. 
I am disputing this debt to the fullest extent of the law. They have also added it in my credit report and are causing all XXXX of my credit reports to go down significantly. 
Last Reported XX/XX/XXXX Collection Agency COLLECTION SERVICE OF ATHENS Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$270.00} High Balance {$270.00} Remarks Medical
I 'm writing about a personal banking issue I had with U.S. Bank. In 2013, U.S Bank opened a reserve line on my behalf, at the suggestion of a personal banker. It was pitched to me as overdraft protection. The problem is that the instrument was not properly explained to me over the phone and thus I was unaware that in the event of a negative checking balance, the reserve line would be drawn upon, rather than simply dipping into my savings. The banker did not tell me this crucial fact. Over the course of 3 years, I received a number of unnecessary and extreme interest charges totaling around {$800.00}. I believe the following : 1 ) This instrument was " sold '' to me improperly 2 ) It was not properly explained by the banker ( the process to authorize by phone and there is no paper trail to show that I understood the penalties or how the instrument worked ) 3 ) It amounts to fee gouging and does not alert consumers clearly that they are drawing on this expensive line ( had I known this, I could have simply replenished my checking account ) I 've been on the phone for multiple hours with low level online banking support and through a branch. They tried to be helpful but did n't have the authority to move this along. 

I am diligent in my review of my monthly statements but they are not laid out in a transparent manner and this reserve line was buried on page XXXX. Yet another reason I do n't believe the reserve line was issued or managed in a transparent manner. 

Because my initial conversation about the reserve line with the U.S. Bank banker was in XXXX of 2013, U.S. Bank claims they no longer have a record of that voice conversation but rather I should trust that the benefits were explained clearly. I disagree with this assertion. 

CFPB is a great resource and I thank for your consideration. I look forward to hearing back. 

Sincerely, XXXX XXXX