WillisBack/dataset-financial-user-claim huggingface dataset:
Chase closed my business checking account and charged me a {$75.00} legal fee. The irs mistakenly took money out of my account and now I have had to redeposit the funds. The banker informed me he would refund it but could not on Monday because the account is closed. He said if it was open he could. This is is unacceptable.

I am upset because I found this out online. When I have gone to the branch the employees were not informing me this happened. If I am communicating with chase employees about my account they should have told me this.

I had to go back to the branch and waited three hours on Monday to reopen the account.

I called yesterday to access my account and I was told I need my debit card to get access to my account.

Today I went to the branch and I was not given my debit card or checking account number after signing up in branch on Monday.

Chase also has a XXXX  bonus for opening the account. The banker was also unable to give that to me so I had to email it t. But its not credited yet.

I also had problems with my credit card application and am worried it will be not sent to my XXXX  address.

I also am interested in buying a condo and wanted to do business with chase. I have taken out thousands of dollars from chase because of poor service. I have put it in wellsfargo advisors. I dont have these problems with them. I need my XXXX  dollars back. I like chase but prefer not have these problems. Can someone please help me
I received settle in full offer from XXXX Bank dated XXXX/XXXX/15 ( see uploaded documents ) stating to pay {$280.00} within 45 days, which was paid to XXXX via check written/mailed on XXXX/XXXX/2015 via priority mail, which was cashed by XXXX Bank on XXXX/XXXX/2015 for account ending XXXX. I then received a collection agency bill dated XXXX/XXXX/2015 for {$280.00} from Vision Financial Corp after my check was cashed/paid to XXXX Bank. This violates the fair debt collection act to send someone to collection when the bill is already paid. XXXX made agreement not to seek further collection activity if settlement paid within 45 days, which it was.
the debt in question is not mine I was XXXX between XX/XX/XXXX to XX/XX/XXXX
Ive sent numerous letters and filed three complaints with the CFPB regarding the inadequate investigation into verifying a debt. I am frustrated because after almost a year I have not received any legal instrument showing verifying that I am the owner of the debt reported by XXXX XXXX. I am asking that CFPB re-open the complaint file case # s listed below : XXXX XXXX XXXX After numerous attempts at verifying a debt with XXXX XXXX, I have been told that the debt was verified. Well, how was it verified? Where are the documents that show this debt as belonging to me? 
As a consumer, I feel that my fair credit reporting rights have been violated and no one is trying to help me after I have taken all the legal steps to get assistance. At this point, I am forced to seek legal counsel against the CFPB and all three credit bureaus.
On my XXXX, XXXX and Trans Union credit report, its showing a current balance on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I paid my balance in full and shouldnt have a balance. My current balance on all 3 accounts should be a recent balance of {$0.00}.
I have an account that appeared on my credit last year from XXXX XXXX on behalf of original creditor XXXX College and it was deleted off of my XXXX, XXXX and Transunion report by XXXX the dispute date was XX/XX/2017. Some how it has been reinserted this month on my XXXX, XXXX, and Transunion reports by a new collection agency going by the name of XXXX XXXX XXXX XXXX. I was not notified in writing or phone call about this debt nor does this account belong to me as I have placed a fraud alert on my credit files due to breach. It was previously removed from not being my debt and it was resold to another collection agency. I want this account removed back off of my credit reports immediately this is a violation of the FCRA by reinserting a deleted account back on my credit report.
My loan was put into deferrment without my permission or knowledge. In the process of doing this they increased my interest rate. When I called and told them to change everything back to the way it was, my payment amounts and terms are different. This is unacceptable and should be illegal.
I was approved for a Title Loan from XXXX XXXX, Part of deal was to pay off old debt with Mariner Finance. I am XXXX and on ly receive XXXX, So I am judgement proof. SO after Mariner receive. The create a second loan for {$250.00} stating my original was paid in less then in full. and do a charge off and report on my credit report as bad debt reported for collections. Mariner is a Predatory Finance COMPANY. i WOULD urge OTHERS TO STAY AWAY FROM them. Originally WHEN THEY BOUGHT OUT XXXX XXXX OF XXXX, XXXX. I WOULD N'T PUT UP WITH THERE HARASSMENT, SO I DISCONNECTED MY NUMBER. THE WENT IN TO MY ORIGINAL HARD COPY PAPERWORK KEPT IN THE BACK ROOM TO FIND MY REFERENCES. SOME MALE COLLECTOR FROM OUT OF TOWN. CALLED EX POLICE XXXX XXXX. WHO HAPPENS TO BE A NEIGHBOR. HE STATED TO HIM BACK IN XXXX OF XXXX. THAT HE WAS A RECRUITER FOR THEM AND I FILLED OUT A JOB APPLICATION. HE COULD N'T REACH ME AND WAS HOPING XXXX HAD MY NEW NUMBER. 

WHEN I MENTIONED THIS XXXX FROM MARINER WHEN MAKING THIS DEAL. THEY WANTED TO I GUESS PUNISH FURTHER. WHAT XXXX ARE THESE PEOPLE. 


Bad Debt ; Placed for collection ; ( XXXX ) - MARINER FINANCE , LLC XXXX XXXX, XXXX MARINER FINANCE , LLC has flagged your account as Bad Debt ; Placed for collection ; ( XXXX ). 
Alert Type : Potentially Negative Found On : XXXX XXXX, XXXX Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your credit score. 
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 
Alert DateXXXX XXXX, XXXX SourceXXXX CompanyMARINER FINANCE, LLC Payment StatusBad Debt ; Placed for collection ; ( XXXX ) Status DateXXXX XXXX, XXXX Balance {$0.00} Balance DateXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX If you feel you are a victim of identity theft, please contact a XXXX Specialist at XXXX.
My husband was a XXXX as a result of XXXX. I had a lot of bills to pay after he passed and failed to cash XXXX checks and found them last year as I was cleaning up my home. I contacted OCWEN and was told by OCWEN to submit the checks to be reissued which I did on XXXX XXXX, XXXX ( attached ). Over a year went by and I got no response. I contacted them again earlier this year and finally received a response from them dated XXXX XXXX, XXXX ( attached ). In my view their response is purposely very confusing and they claim my ( by then ) dead husband had confirmed receipt in XX/XX/XXXX and as such they are refusing to reissue my checks and refusing to send me the money which is rightfully mine. We are talking over {$12000.00}. I just sent them another letter today asking them to reissue the checks and pointing out my husband was dead when they claim he confirmed receipt. Regardless of whether the checks had been received none were ever cashed and they have my money to this day.
This is in regards to the previous complaint. The bank responded that the bonus would be credited to my account by XX/XX/XXXX. As of today, I haven't seen the bonus yet. Please refer to their response attached. 

To be more specific, I opened a business checking account at a Wells Fargo branch using the offer code that was sent to me on XX/XX/XXXX and had met all the requirements as of XX/XX/XXXX. According to the terms and conditions, I would get the bonus within 30 days after meeting all offer requirements. I have tried to contact the bank directly and still have not received the bonus yet. I have attached the supporting documents in this complaint for you to review.
I filed bankruptcy on XXXX and did not include this card in the list of creditors since it is a secured card. I paid the entire balance last week to a XXXX balance thinking I could use it this week for gas and groceries. Unbeknownst to me, Citi closed the card after my payment went through. Citi now has my {$200.00} security deposit and my card is at a XXXX balance with funds that already posted to my checking account and has been taken from my balance. Im left with no money for this week and no warning. If I had known this would happen, I would have waited to make that payment since it was not due yet or I would have paid less so I would have money to live on this week. This is not fair. With a secured card such as this, they should not be able to close the account like that as its basically like you have a savings account because its guaranteed funds. I would never have imagined this would happen.
I received a 30 and 60 day late notice on my credit that was reported by XXXX Bank. I disputed XXXX but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full XX/XX/XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee XX/XX/XXXX. Based on their Deposit Account Agreement I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized XXXX Bank to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. XXXX Bank took the fee out of my account without authorization and ended up crediting back my account the balance and late fees XX/XX/XXXX ... two years since I requested it to be closed. XXXX Bank is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the 60 day notice. XXXX Bank has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that XXXX Bank could have provided a coutesy removal of late notices but did not contact them in time ... XXXX Bank is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of XXXX Bank but XXXX XXXX was unwilling to protect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices.
XXXX is showing this still on my credit report- XXXX XXXXXXXX XXXX XXXX They agreed to delete it from my credit report. 

Equifax agreed to delete the following- XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Still showing on the credit report.
Citibank had a promotion to get a credit card and if in the first months you use more the {$3000.00} they will give you XXXX miles. I called to verify that I had some of the miles because I spend over {$2000.00} and had over a {$1000.00} pending which it will be equivalent to {$3000.00}. When I called the lady that answer my phone call was not friendly at all she was talking very loud and did n't honor the promotion and said that even if I spent {$3000.00} I will not get the miles, I asked to speak to the supervisor and again he was talking very loud, all this conversations were in XXXX so they think that just because I asked to speak in spanish they think that you need them to speak louder, that is very frustrating. So this supervisor called XXXX said again that " no I will not get the XXXX miles '' then I said why is Citibank promoting something that is not true! Then he said " Oh yes you Will Get the XXXX miles by XX/XX/XXXX '', because I had spend over {$3000.00}. Then I asked for some sort of confirmation and he said that it was not needed. I called last night XXXX XXXX and spoke to a lady that talked super loud and she said that I was NOT going to get the XXXX miles. I can not believe that they have such a poor customer service and more severe false advertisement. Please help me with this situation. Thank you for your attention in this matter. 

XXXX
I have made monthly recurring payments, in excess of the minimum amount due, to Capital One for my home equity loan. These payments are made from my XXXX XXXX XXXX Account. I received a notice from Capital One that the XXXX 2016 payment was returned for insufficient funds and they threatened to report my account as delinquent on my credit report. However, XXXX XXXX XXXX 's records indicate that the payment to Capital One cleared. I have tried unsuccessfully to resolve this matter with Capital One, and this is not the first time Capital One has failed to appropriately apply payments to my account. It appears to be a recurring issue with Capital One, which I believe is attributable to a significant deficiencies/material weaknesses in the company 's systems, processes and/or personnel. Capital One, however, not disclosed these deficiencies.
I made a {$180.00} payment on my Bank of America Visa card acct on XXXX XXXX, ahead of the XXXX XXXX due date, and received a confirmation number ( XXXX ). BOA charged me a late fee and did not credit the payment. I managed to have the late fee reversed on XXXX XXXX, but the payment has still not been applied.
I closed my account with XXXX on XX/XX/XXXX, I paid all that was owed and received confirmation of my account being left in XXXX both for services or installment plans after my payment of {$74.00} dated XX/XX/XXXX. 

I received a collection letter dated XX/XX/XXXX from XXXX XXXX XXXX. stating the following : Creditor : XXXX, XXXX Client Account # XXXX Convergent Account # XXXX Amount Owed : {$250.00} After receipt of letter I went to the XXXX store on XX/XX/XXXX and was contacted with costumer service XXXX XXXX EID XXXX who said he could not provide information on my account, that I needed to contact the collector for information on the amount owed. Same was told by the store clerk. 

On XX/XX/XXXX I contacted the Collector XXXX XXXX XXXX, who told me that they could not provide information on my account other than the amount owed, in addition they failed to identify themselves. 

I have sent a letter to the collector disputing their harassment and the debt. 

It is very unfortunate and illegal the manner in which this companies act. No one provides information, not only this they fail to provide anything in writing. It is as if the strategy is to force the consumer to give up and pay an unlawful debt.
A collection agency is reporting the incorrect " placed for collection '' date on my credit report for an account that is also past the 7 year reporting time frame. Also known as re-aging. The placed for collection date -XX/XX/XXXX, is actually the date the collection agency purchased the account from the original creditor. The account last payment was XX/XX/XXXX per the installment contract from the original creditor. According to FCRA Section 605, this account would have gone into collection/charge off on XX/XX/XXXX -180 days with no payment ; remained on my credit report for 7 years then removed from my credit report by XX/XX/XXXX. I have submitted certified letters to the collection agency, credit bureau and original creditor but the account is still on my credit report and with the incorrect date. 

The FCRA says that collection accounts must be deleted from your credit report 7 years from the date of first delinquency on the original account. The date of first delinquency is 180 days from the date of your very last payment to the original creditor.
I moved XXXX in XXXX 2015. I had a contract on a house for {$560000.00}. I planned on putting 20 % down and obtaining a 80 % loan from XXXX XXXX. She informed me that I had XXXX late pays from BB & T on a HELOC loan I had with them on my house XXXX. I was livid because I knew I had on late pay in XXXX of 2015. The credit report showed XXXX late pays, XXXX in XXXX and XXXX in XXXX of 2015. I called XXXX XXXX and XXXX XXXX of BB & T to find what was happening. I was never able to get a definitive answer from either man. Only after numerous calls from XXXX XXXX of XXXX XXXX was I able to get a letter from XXXX XXXX ( letterenclosed ) .I was only able to get a first lien from XXXX XXXX for {$410000.00} at 4 1/2 % and a second lien from XXXX for {$38000.00} at 5 1/2 % because of the erroneous late pays turned in by BB % T. Now, 5 months after my closing, I went back to XXXX XXXX to obtain a new loan that would reflect the current loan market. What do I find. The new credit report she obtained had the same XXXX late pays from a year earlier. BB & T failed to do their due diligence and I was having to suffer the consequences again.
My social security number was used to open several accounts. 
I filed a police fraud. Report and all the papers from. The credit Card company 's. This company removed it from my credit reports Then put it back and started billing and calling me again. I. Have Never used this card or made payments on it. I told them. 
The person responsible for the card and it did n't make a Difference.
My information was included in the hack discovered on XX/XX/17 according to equifaxsecurity2017.com It took over a month to inform consumers about this hack and we have been unprotected and unaware this entire time.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2016 30 days late as of XX/XX/2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
I wrote all three credit reporting agencies about incorrect information on my credit report and XXXX and Experian refuse to fix the problem despite having clear documented evidence of the reported error. XXXX, a student loan provider and servicer, has reported to these agencies that during XX/XX/XXXX and XX/XX/XXXX my payments were made late. I have concrete evidence in the form of correspondence from XXXX confirming that between XX/XX/XXXX and XX/XX/XXXX my federal student loans with XXXX were in deferment status and payments were not required. As such, these two erroneously reported late payments in XX/XX/XXXX and XX/XX/XXXX should be removed and deleted from my reports.

XXXX  XX/XX/XXXX - Late Payment XXXX XX/XX/XXXX - Late Payment
My bankruptcy is not discharged as of yet. XXXX XXXX XXXX was notified thru bankruptcy processes and last reported to my credit report XX/XX/XXXX. XXXX XXXX XXXX denies being notified and one representative hung up on me. You've paid off -17 % of your collection amount. 

Balance {$5200.00} Highest Balance {$4400.00} Opened XX/XX/XXXX ( 1 yr, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX
I have   XXXX  pu blic record accounts in the amounts of {$15.00}, xxxx and {$13.00}, xxxx that have been reporting on my yearly credit report by  XXXX  since  XXXX  of   XXXX  . According to FCRA law : " This information is generally removed  seven years from the initial missed payment that led to the delinquency. Missed payments and most public record items may remain on the credit report for up to seven years, except Chapters   XXXX  ,  XXXX  and   XXXX    bankruptcies, which may remain for up to 10 years. Unpaid tax liens may remain for up to 10 years from the filing date. Paid tax liens may remain for up to seven years from the filing date. Transferred accounts that have not been past du e remain up to 10 years after the date the account was transferred. '' I have tried several times in the past gew years to have this information deleted from my reports, as since it has been reporting since  XXXX    XXXX   which is now 16 years and 6 years past the legally permissable reporting criteria. However    XXXX    continues to report this information which is a violation of my FCRA rights and  State law.  The account is also being illegally re-aged to reflect the current month as the reporting date every time I file a complaint.
I have had ongoing problems attempting to modify my loan. I have mailed in the documents several times- but somehow some documents were received- but other documents were missing, although they were sent in together. I filed a complaint and in XXXX was assigned to a rep to help me with the process. The sam thing has happened, I send documents in, but Rushmore tells me to resubmit a document bc they sent me an old version etc. They never seem to have all my documents, I have to remind them and reference when they were received. It is so unclear and I am having a difficult time hearing back from anyone. I was denied for missing documents, which I sent over & over and for a XXXX from that they made an error in the one I was sent. The rep would ask me to send in on teh spot, but some documents I could not bc I mailed them in, such as statements, that I could not print. I do not have access to a printer that is mine to use. They have requested the same explanation over and over about my business taxes in writing, I send it in and they confirm it received and then as for it again. My rep emailed me and said that I need to contact him urgently, FOUR days asking for the same document again. I emailed and called back, it has been over a month, no reply. While I am working with the rep on my modification & turned in all REQUESTED docs, I am served w a notice of default and put in foreclosure. I ask the rep about a National Disaster forbearance, because my place of employment/residence were in a declared national disaster area inXX/XX/2018 & he has no idea what that was, how to go about it, if I could apply or not. I know this is confusing, but that is why I am so worried. I feel like I am getting the run around.
Hi, I enrolled in a Citibank offer where if you transferred {$50000.00} into a savings account within 30 days and leave it for 60 days then you received a {$600.00} bonus. I just called Citibank and they claim that I did not meet the 30 day requirement. I opened the account XX/XX/XXXX and I did not receive the information to transferred funds into the account until XX/XX/XXXX where I did transferred {$50000.00}. However, even though I provided all the correct information Citibank rejected the transfer. So on XX/XX/XXXX I had to transfer {$50000.00} again. Both of the days I transferred were before the 30 days. However, the money did not make it into the account until the XX/XX/XXXX. Citibank made it impossible for me to meet their 30 day criteria by delaying when I could open the account and rejecting my transfers. I would greatly appreciate if Citibank honor the {$600.00} bonus because I made my best efforts to meet the 30 day requirement but because of Citibanks actions I could not. Also, my other savings account has a much higher interest rate so leaving the money in Citibank cost me hundreds of dollars, which the {$600.00} would help offset
I purchased a timeshare on XX/XX/2014 the salesperson said we had to fill out a RCI MasterCard application to purchase the timeshare. I was declined for the MasterCard so I bought it with my XXXX bank card. Promises and guarantees where broken so the vendor said they would credit the XXXX for the total amount we paid. On XX/XX/2014 the vendor opened the RCI MasterCard and charged me the cost of the Timeshare without my approval. I never consented to the new charge and never signed a credit receipt for the purchase. I have disputed the charge with RCI and each time they just ask for more and more information then lose it or not read it. They tell me deal with the vendor but the vendor does not respond. RCI told me there is nothing they can do for me anymore. They do not care that the charge was fraudulent.