WillisBack/dataset-financial-user-claim huggingface dataset:
I have account with Chase sapphire reserve credit card which includes {$450.00} annual fee and {$75.00} annual fee for authorized user in exchange to priority pass ( free access ) to lounges in any airport that has one. I did receive XX/XX/XXXX statement with due date XX/XX/XXXX showing 2 charges for priority pass guest visits, {$27.00} each, for XX/XX/XXXX. I did use a lounge in XXXX XXXX airport that day. We had 2 priority passes at that time - one was for myself, another was for my husband ( authorized user ). We had XXXX guests with us - XXXX adults and XXXX kids ( XXXX and XXXX years old ). Each priority pass user can bring XXXX more guests for no charge. Moreover the kids under XXXX years old is no charge. Yet 2 month later Chase decided to bill us additional {$54.00} on top of annual membership fee I paid in XX/XX/XXXX. It does contradicts Chase sapphire marketing and advertising of the priority pass benefits. I was trying to solve an issue with Chase sapphire reserve representative yet had no success. Chase rep was not able to explain why I was charged 2 month after my initial visit. Moreover Chase rep did not have any proof for number of guests I had that day. Chase rep said the charge was based on XXXX XXXX lounge information which contradicts the actual number of guests I came with. As of today I was charge for something I am not responsible for and Chase sapphire reserve does not want to help resolve an issue.
I have a personal loan with Wells Fargo. We got behind on payments when I was unable to work due to XXXX due to XXXX. They refused to set up a payment plan. Every time I called to try to make a {$300.00} payment they said that was n't enough. And refused any payment at all, letting the account get even further behind. I tried to make a payment at the beginning of XXXX and they said it was n't enough. I told them I would call on XXXX XXXX and make a {$610.00} payment. Before I had a chance to do so, without any notification they took {$910.00} out of my checking account. According to them that was completely legal and they do n't need to even tell us first. I have been a wells fargo member since 1990 and feel completely taken advantage of.
I had a   XXXX   account where I bought and sold items, paypal was my creditor in which money was debited and credited with ALL transactions made. ebay closed my account with no explanation and being closed, paypal withdraw all funds in my account of approx.  XXXX . Both  XXXX  and paypal started contacting customers I had without my knowledge and issuing them refunds for items already bought and paid for for over 6 months.
EQUIFAX is being used a scapegoat/diversion/cover-up for the malicious activity that happened to me and for what is potentially happening to other unsuspecting citizens/civilians/consumer of XXXX XXXX XXXX.
There is NOTHING on my EQUIFAX consumer credit report to dispute ...
This continues/appears to be a matter of collusion and suspicious/malicious intent on behalf of XXXX XXXX
What EQUIFAX information was used to reduce my credit line???
My EQUIFAX consumer credit score ( over 700 ) during the time this incident happened is attached to this complaint.
After paying down debt to reduce my debt to credit ratioXXXX XXXX XXXX. reduced my consumer credit line from {$4000.00} to {$1900.00} causing a debt to credit ratio INCREASE which negatively impacted my consumer credit rating and consumer credit scores with ALL major consumer credit reporting agencies. Up toXX/XX/XXXX my XXXX XXXX line of credit for my XXXX XXXX credit card was {$4000.00}. On XX/XX/XXXX, 4 days AFTER XXXX XXXX  received my {$2500.00} payment, XXXX XXXX reduced my XXXX XXXX  Consumer Credit Card line of credit to {$1900.00} thus causing my debt to credit ratio to increase from 38 % to 83 %. My XXXX XXXX XXXX  consumer credit card credit reporting payment history is immaculate/on time/never late across all three credit reporting bureaus sinceXX/XX/XXXX. On XX/XX/XXXX, at approximately XXXX XXXX, I was told by a XXXX XXXX XXXX XXXX XXXX XXXX representative ( XXXX ) that a " periodic '' account review was done which caused my credit line to be decreased. For the record, my XXXX  XXXX and Equifax consumer credit reporting scores were HIGHER than they were when I was granted the initial {$4000.00} line of credit - ATTACHED EQUIFAX CREDIT REPORT FROM XX/XX/XXXX. I received letters from XXXX XXXX stating their decision was based on information from EQUIFAX ... In addition to consumer concerns with using EQUIFAX given what was transpiring with EQUIFAX during the timeframe of this incident, this is not only false representation it 's also malicious intent at the hands of XXXX XXXX. I am a subscriber to a daily consumer credit monitoring service ( ATTACHED EQUIFAX CREDIT REPORT FROM XX/XX/XXXX) and there is NOTHING on my EQUIFAX credit report that substantiates the claim from XX/XX/XXXX
I have tried to contact the company in regards to this complaint to no avail, I am trying to get this account removed from my credit report as I have no recollection that this visit to the hospital ever occured. I am just trying to get it taken off my report and have tried to even come to a settlement for a ( PFD ) '' Paid For Deletion '' even though I don't believe the account belongs to me however it is the last and ONLY negative account on my credit report and I wish to have it taken care of ASAP ...
There us an account added to my credit report from Exeter finance. This account does n't belong to me. I want it removed. Please verify social security number. My ss # XXXX
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX Date opened>>>> XX/XX/2012
In XXXX, I decided to increase my credit lines and applied to several banks and was approved by all of them. Bank Of America was one of them. I received modest lines of credit on a XXXX and a XXXX. I used both cards and paid them off immediately in XXXX. In XXXX I used both cards again. The cards had 0 % balance transfer offers and I made balance transfers to both in order to lower my interest. Within 2 weeks of completing the transfers, Bank of America sent me letters for both accounts stating that they reviewed my accounts and closed them due to having inquiries on my credit report as well as the balances were too high ( under 30 % ). I believe that Bank of America is a predatory lender who is looking to coax people in on special offers, then they close the accounts and charge them high interest until they pay them off. I am going to press them to see how high the interest goes and when I get the amount in writing, will pay them off ( since i have plenty of cash in my account to do so ) and then will look to sue them. 
This " bank '' even petitioned me to be on their VIP customer list. If you are with Bank of America, you should close your account and move it to a bank that is interested in keeping customers and building relationships. This bank is run by crooks.
I did not authorize this company to pull my credit report they have pulled my XXXX and XXXX report i have tried to get this dealt with but they have not been helpful at all
On XX/XX/2018 - I disputed this debt in writting with AR Resources , Inc . This medical debt, is from XXXX XXXX XXXX XXXX. I have never received treatment of any kind from this group. This is either mistaken idenity or the result of fraud. I suspect, fraud. A woman was using my personal information fraudulently. Either way, I was never treated by this medical group. And want them to stop reporting this inaccurate information to XXXX   consumer credit.
Account was taken over by XXXX. Credit history showed account in good standing from XXXX XXXX through XXXX XXXX. In XXXX XXXX the account was reported to the credit bureaus as 90 days late. No information was reported in XXXX XXXX, and account showed current in XXXX XXXX. It is impossible that there could be a delinquency of 90 days in a month of 31 days. There was a minor delinquency that was caused by a payment going to the old servicer instead of the new, but a forbearance was granted retroactive to the first day of the delinquency, which negates the delinquency. I have attempted to have the item removed but have been unsuccessful.
ATTN : PPD Dispute, KEY BANK Dispute XXXX ( I will be keeping a copy of the fax transmittal confirmation ) Fax : XXXX, XXXX, XXXX ( I keep getting different fax numbers to fax to and different items to submit. ) On Friday, XXXX ( XXXX ) I used my debit card ( to obtain unemployment funds ) in the ATM at Key Bank in XXXX, CT. I tried withdrawal {$500.00}, but the machine never disbursed the funds. However it accounted as if it gave me the {$500.00}. 

I talked to a XXXX that night when calling the ATM number. She said she could start the dispute, but I said I needed the money right away and I would go into the bank in the morning. 

I went the the Key Bank location in XXXX, CT the next morning, and they were unhelpful and unwilling to investigate themselves. They told me I had to call the ATM/XXXX number again. 

I called the number again, and they filled out all the dispute information, and then I was required to send a letter by fax or mail. 

1. The machine kept {$500.00} I needed 2. The process to rectify the situation is inconvenient, lengthy, unfriendly, not customer service oriented. 
3. The bank said it wasnt the first time the ATM didnt give people their funds. 
Due to the banks error, I wasnt able to obtain my money, I had to take time to go to the bank, then call the XXXX, and now write a letter - again, due to a bank error. 
4. A little common courtesy at the branch could have totalled changed this complaint. Courtesy includes treated as if the bank made a terrible error, an empathetic person 's, help with filling out the form and then faxing it for me. Instead I called the dispute number from the parking lot of the bank, while in my car, and had to locate a friend to use to fax the information. Its outrageous.
Sincerely disappointed and inconvenienced, and now it says it 's " pending ''. They gave me a number for the dispute processing area, and there is no " live '' person to talk to. It 's a recorded message that hangs up after a few repetitive cycles. I have no idea if they have what is needed.
This is four days without my needed unemployment funds with no understanding when I might get them.
It 's unacceptable.
P.S. - a bank teller could walk over to the ATM and count the funds, look at the security camera within a few minutes. But I 'm forced to spend my valuable time following up with THEIR bank error.
I submitted and FDCPA debt validation request to XXXX XXXX Credit Card, part of Synchrony bank for debt validation on the XXXX of XXXX XXXX. The request had a 30 day time window on it, and was completely ignored by XXXX. I submitted the second letter requesting debt validation to XXXX on XXXX of XXXX XXXX, and once again the request was willfully ignored. The first agent, XXXX whom I spoke to in their collections department was verbally abusive and hung up on me. The second agent I spoke to XXXX was as helpful as she could be but had no idea why they had n't responded to me, and sent me over to XXXX customer service department. The agent in customer service was obviously outsourced and had no idea in the slightest what FDCPA even is. I advised the last XXXX agents to please notate my account, and they told me that in addition to that, the calls are recorded. I understand that I need to report these violations to the proper Federal venues. Thank you.
This collection that wasn't even supposed to be mine is reporting to two different creditors with the same account number. I just paid it to resolve it on my credit but instead they have it labeled twice on the credit report and it is wrong. It should have never been mine but I just paid it because I thought that would help my credit because I don't have the time to look into it. Instead they reported it as two trade lines with separate companies which is wrong. On top of that, they didn't even put it in a dispute status when I disputed it with them.
Am I correct that I am required to pay for a freeze on my credit for Experian and XXXX? I discovered this only after I had to navigate around a service XXXX wanted me to pay for XXXX TrueIdentity XXXX as an alternative to freezing my credit. It seems as though these credit reporting agencies are attempting to take full advantage of this XXXX hack situation. XXXX should foot the bill for these credit freezes that put at least XXXX XXXX XXXX most likely many more XXXX identities at risk for theft. At {$3.00} per freeze, these agencies stand to make hundreds of millions of dollars as a result of this.
Ocwen Loan Servicing , LLC, and I entered into a modification agreement, on or about XXXX XXXX, 2016. The terms state the the down payment is to be paid on XXXX XXXX, 2016. Each month thereafter, I am to pay the same amount each month by the end of the grace period, which is the XXXX of the month. 

However, today, I received a letter entitled " DELINQUENCY NOTICE '' demanding payment for payments that have been absorbed by the modification, which is not due until XXXX XXXX, 2016. I consider this : 1. ) harassment, 2. breach of contract, and 3. ) against the laws governing mortgagors and loan servicing agencies under the Fair Debt Practices Collections Act, et al.
This company has had numerous of attempts to fix my identity theft problems for months and now all of a sudden this breach has made it even more harder on me and my family with the identity theft. I have over 20 identity theft accounts on my credit report and over 40 something inquiries that I did n't authorize and 4 public records that are not mine I have never filed for Bankruptcy and this company still had n't done anything to fix all these issues. If this information is not updated and removed within 30 days I will fill a class action lawsuit for emotional distress and not investigating properly. I ca n't even get a job because all of the errors on my credit report. This company got breach because they are a sorry excuse for a credit reporting agency and they all should be fired. They hang up on people all the time and never really investigate anything.i have sent all my police reports and fraud affidavits to this company over and over and I would like freeze placed on my permanently and sent a code to unlock it when I want too
TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request ( notice their internal file number XXXX ). TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX XXXX  XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX   XXXX XXXXXX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX/XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX {$63.00} not mine XXXX  XXXX XXXX XXXX  {$150.00} not mine XXXX XXXX   XXXX ****XXXX {$170.00} not mine XXXX XXXX XXXX XXXX ****XXXX {$200.00} not mine XXXX XXXX XXXX
I have 4 collection accounts from years ago that keeping being reported as current. they are either duplicates, old or paid as agreed but now show as recent collections. I ca n't get help from the creditors/collection agencies. I was referred to you to submit a complain for XXXX XXXX. I need help and ca n't get any funds. This separate database has totally ruined my life and chance of rebuilding for me and my XXXX kids. I was forced to leave a XXXX XXXX marriage and was told i would have help and protection against discrimination, etc. Where is my protection now? 9 years of working so hard to feed my kids and trying to clean up everything. my joint bad credit finally is off my records and now what do i do. Today X/XX/17, I was denied a small loan by XXXX XXXX, XXXX XXXX, and XXXX XXXX and more in the past few weeks. These companies charged thousands to borrow {$500.00} and that is also why this company is hurting my life. For all single mothers that get out of XXXX XXXX it is not easy and no one is there to help. you have to beg and search and see if you are lucky to find resources. I lost my home last year and could n't rent a decent place because of this. Please help me take any negative credit off my record under XXXX and then they need to report to the 3 bureaus. XXXX, XXXX, Equifax. please help me on this. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
I received medical care at XXXX Medical center which is in network with my XXXX Medicare Insurance. My XXXX consulted with a hospital XXXX concerning something during my XXXX. This hospital XXXX was in network with my insurance, however the hospital XXXX incorrectly filed their paperwork as out of network. They have been informed of their error several times. Despite these they have sent the bill to collection and impacted my credit score adversely
We just bought a home in Virginia with C & F Mortgage. Us Bank bought the note and is not honoring the biweekly payment program written into the note in paragraph XXXX. I just demanded they provide a audit and credit all of the additional interest they have charged, since they put my biweekly payments into a suspense account instead of applying them to the note. They also applied one of my payments to additional principle when there was no instruction to do so, and called to say we were behind on our mortgage several times. I need help with this arrogant and unwilling mortgage company.
Greetings, I formerly held a XXXX XXXX XXXX, administered by Barclay Bank. After the merger of XXXX XXXX and XXXX XXXX, my card was converted to an XXXX XXXX " XXXX. '' I did not receive the card in the mail. I did not receive the terms and conditions by mail, email or any other way. I never possessed the card. I did not activate the card. Regardless of this, XXXX converted my autopay settings, which provided automatic payments from my XXXX checking account. They charged me an annual fee on the card I did not apply for, did not want, did not possess, and did not activate. Then they collected partial payment from my checking account and began to charge interest on this annual fee. It took a few months for me to notice, but when I did, I called and requested that the card be cancelled immediately. They promised to cancel it. It was not cancelled. They continued charging me fees, interest etc, and taking money directly from my XXXX checking account. I called again, and requested to cancel the card and a refund from all fees/interest charged on this card. They refused, and I asked for at least a refund on payments that took place after I called to cancel the card and they failed to cancel it. In short, I was charged an annual fee + interest + servicing fees for a card I did not apply for, did not want, did not possess, and did not activate. Is this legal? I would like to file a complaint against Barclays Bank, XXXX, and XXXX.
XXXX XXXX from ARA XXXX ext XXXX has called XXXX XXXX 2018 at XXXX. Left a voicemail that had all of my information date of birth, ss # making threats to send someone to my place of employment or my home and have me taken away for fraud. She has called my parents and talked to them stating on the same day I have several fraud charges against me and they are going to take me away. I have no such charges and have no idea what they are talking about. They called my daughter and said they are going to take her to jail because I listed her has a contact and I am not calling them back. Why is this place still in business? They are constantly harassing and making up stories and calling multiple family members.
XX/XX/XXXX late payment XXXX XXXX account Good afternoon and I hope all is well when you receive this email. I am writing to you in reference to an ongoing issue my husband and I have been dealing with, with XXXX XXXX. You see my husband is a XXXX XXXX % XXXX veteran who suffers from XXXX XXXX and a XXXX XXXX XXXX. I am his legal care taker and take care of all his finances as well. We have a XXXX XXXX account and over a year ago I had called the service dept to change the email from his to mine since we were set up for email statements. I had n't used the card for most of that year and did n't honk anything of it. I had used it back in XX/XX/XXXX I believe and was under the impression from your service dept that the email on file was mine from months prior contact with them. We get a phone call stating the payment is late, in which I had responded I had never gotten an email. They looked into it and said ny husbands email was on file. I know that it was overlooked on both sides and I should have followed up again when I initiated the original change. It slipped my mind and we were late. I asked if we could be forgiven for it and the customer service rep XXXX spoke to her manager and told us we would fine. That they reversed the late fee and that they would send an electronic notice to the credit agencies within 30 days. That was never done. I called today and spoke to a manager XXXX I believe, she told me nothing could be done because it was n't a banking issue. I expressed to her the issues and injuries my husband has and how it was supposed to be changed to my email address a year prior. She did n't want to hear it. I also told her XXXX made it clear that she got approval from a manager to fix it. That it 's on recording and XXXX said " even if it is there is nothing they could do. '' Im asking if you can please help us fix this issue. It is negatively affecting our credit and we are trying to purchase a home through the VA. Is thee anything you can do to help us? We appreciate
Citibank solicited me by paper and e-mail for a low interest rate of XXXX percent on my existing credit card, in XX/XX/2018. I responded to citi.com/XXXX, to accept, it did not go through. I then called and spoke to a citibank representative, and she stated that I was enrolled in the program that ends XX/XX/2018. I made a purchase of XXXX on XX/XX/2018. My credit card statement does not show this special low interest rate for this purchase. I called citibank on XX/XX/2018 and the representative I spoke with refused to honor the low interest rate, saying they had no record of me enrolling in the program, eventhough they have a record of me calling on XX/XX/2018. 
This is a scam. This is a bait and switch. Citibank refuses to honor THEIR solicitation. I enrolled on time. They are in error.