WillisBack/dataset-financial-user-claim huggingface dataset:
I recently went to use my debit card to pick up a prescription. ( Last Friday evening ) Although I had sufficient funds in the account, my debit card was being blocked. Luckily, my US Bank debit card was not my only source of funds so I was not left stranded without my prescription. When I called their 800 #, they proceeded to tell me that they had sent a new 'chip card ' back in XXXX, which I never received, and since I did not activate it they 'turned my debit card off '. I asked them to turn it back on since I never received this new card and they made no attempt at all to ascertain whether or not they even sent it to the correct address before they decided to deny me access to my funds. I have banked with US Bank for decades, they have my phone number and never attempted to call or text. They also have my home address and email, which they regularly send me emails so it would n't have been that big of a deal to at least make 'one ' attempt to contact me before denying access to my money. Now they offered to send a new one, but it will take about a week and they refused to overnight the new one. My only option was to go into a branch for a temp card. Now keep in mind it is Friday evening, they are closed and I had to work the next day. I went to the closest branch on Saturday during my lunch break, it was about XXXX, they close at noon! So, I now have been without access to my money for 3 days because of their procedures, and probably wo n't be able to get to a branch until Wednesday. I feel that this policy/practice of theirs is a clear violation of UDAAP. Can you imagine if I had been on a business trip, which I often have to drive from XXXX XXXX to AZ, and I did n't have anything but my debit card? I would be stranded at some gas station in the desert! What if I was an elderly customer on limited income and had to pay for some sort of transportation assistance only to find that the bank was closed? What if I had a serious medical condition and needed that medicine right then but was told no wait until next week. I could totally understand them turning off my card if they had made ANY ATTEMPT to contact me to verify if the card was missing or if I just forgot to activate it, but they did n't.
XXXX AND XXXX XXXX  ARE REPORTING INVALID ACCOUNTS AND INQUIRIES.
I had a collection account at XXXX XXXX XXXX that I owed to Capital One for XXXX. They reported the account on my credit bureau the same day they received the account. I did n't find out about it until months later when I pulled my free credit report. Before I paid it I called XXXX and asked them when it would be reported to the bureau as paid. A lady told me if they received it before the end of the month if would take no less than XXXX days. I paid the account in full on XXXX XXXX. I called cavalry today ( XXXX/XXXX/2015 ) to make sure they were going to show it as paid in full and now they are telling me its going to take XXXX days????? Why does it take XXXX days?? They did n't take XXXX days before reporting it. I paid with a debit card and the money had cleared my bank. It should be reported immediately. I felt that they were deceptive, they just wanted the money before the end of the month and so they lied about when it was going to be reported to the bureau. They want the money right away, but they drag their feet when its on them to update it to the bureau!
I applied online with XXXX bank and after applying was told I needed to take in or mail a deposit if I wished to continue with opening the account. I never paid a deposit to open account but they are reporting to chexsystems I owe XXXX on a account I never finished opening. I can not contact chexsystems online website has internal errors. I need to get my name and this account removed.
Since. I paid {$1.00} to view Credit history on trial and Experian charged me {$24.00} and I can not access account called and I 've talked to the Rep said will send me an temporary password to access but I never gets it and never have a chance to view a Credit report! 
I felt Totally cheated and scam! I already read carefully a about " Review Experian " should learned from customer with ton of complained about it!
Debt was claimed in year 2000 by Alarm company XXXX for XXXX and has been on my Credit file! 6 years.Account # XXXX.held by Transworld systems- XXXX
I believe that I have been a targeted by your employees to discredit and discrimination. 
Since I open this account I have received over XXXX by 6 unauthorized debits, and believes there may be a conspiracy to steal my money with the government to cause negative default upon accounts with the U.S. Department of Education. 
My concerns were not address in XX/XX/2018 and I am being charged for checks fees that arrangements were made and should have not taken place, however, instead of honoring my requests I am being hit with boomerang checks that I specifically made arrangement therefor. 
It clear that on XX/XX/2018, when I first experience this problem with this account, I made arrangement with the Department of Education and US Bank to discontinue the boomerang check as I were hit with unauthorized checks and fees, instead of honoring my arrangement to prevent this reoccurrences with US Bank as XXXX have long history with banking discrimination, however, it seems, that here in Wisconsin, US Bank team up with corruption and help discrimination and hacks the internet to continue discrimination activity.
My school sent my financial aid funds to an account that closed 2 years ago. After tracking the funds, I found out that Chase Bank had held the funds, and deducted fees from my deposit. I asked them to explain what the fees were, and the fees are for attempted transactions after the account had been closed, as well as extended over-draft fees that had begun to compound. The initial deposit was {$720.00}, but after Chase had deducted all of their " fees '', I was left with {$420.00}. I find it hard to believe that fees can continue to compound on a closed account.
Was a cosigner and instead of checking main applicant, salesman took it upon himself to totally check my credit without notifying me until the day to sign I find out the loan was all me instead of the actual individual that I cosign for. That is why I have so many hard inquiries. 
Thanks
i have submitted a letter to XXXX about some items that i asked them to verify with my name on them on XX/XX/2018, and they have not respond to the letter requested.
On XX/XX/XXXX, I received a phone call from XXXX at Accounting Management Service Inc. ( collecting agency ), located in XXXX, CA and I was told I owe {$2000.00} to XXXX XXXX XXXX ( as XXXX ), located in XXXX, CA. 
Later that day, I found out XXXX charged me {$2200.00} for XXXX storage fee that we 've never agreed or authorized. After the fact I sent the signed " XXXX Form '' to XXXX on XX/XX/XXXX via both e-mail and regular mail, In addition, I specifically called the office for a confirmation that the form had been received and the embryo would be disposed of. No one ever mentioned that the form was not valid at the time. 
I 've been trying to dispute this unauthorized charge with the billing supervisor at XXXX however all she could say is " the disposition form we sent had a notation on it to get a notary. I believe the account has been sent to collection it needs to be paid. And that form needs to be signed by a notary in order to receive any more bills. '' Until I requested on XX/XX/XXXX to send me invoices that they claim I owe, I had never received the invoices from them. 
I strongly believe we do n't owe this debt for the reason I mentioned above. 
I do n't understand why we have to pay for something we 've never agreed or unauthorized. They are ignoring the fact this debt caused by the negligence of their staff handling our file. 
Please refer the attached statement of the fact that I sent to XXXX but they keep insisting we owe the debt. 
If you can escalate this matter to investigation to improve the way the they conduct their business, it 'll help other victims. 
And I hope you can convince them to dismiss this debt. 
After I filed a compliant to Federal Trade Commission, they suggested to file a compliant with you.
To whom it  may  concern, I have been a Chase customer for about 4 years. I attempted to close my account through the website and it appears it is not possible. I believe it is very important to provide customers various ways to close an account other than visiting a branch location or calling someone online, especially for those protected individuals that can not complete account closure through neither phone or in-person. It appears that the  Chase  website, even within the customer user interface, only attempts to cross-sell more products and not actually assist their customers with an important step of the customer relationship process -- closure.     For the best customer experience, Chase should update their user interface to allow for online account closures.
I applied for USBANK visa signature card since they were offering % 0 APR for balance transfers for one year. Also they were offering {$100.00} credit if you spend {$500.00} within a month. I completed both requirements and to my dismay I was denied the promotions they were offering after I made a balance transfer and spend over {$500.00} on the credit card. I called customer care and spoke to supervisor called XXXX and almost spend one hour on the phone since these guys are not organized and specialized in wasting valuable customers time. I was told balance transfer did n't hit my account within first month of account opening which is not true. I did some due diligence prior to balance transfer and called USBank customer care and I was told as long as I completed balance transfer on XXXX XXXX I should receive 0 % promotional APR and I followed their instructions and completed balance transfer request on XXXX XXXX. As per supervisor XXXX I was told I should have completed balance transfer on XXXX XXXX which is Sunday which is contrary to what I was told by previous customer support reps. I opened USBANK checking acct on XXXX XXXX along with credit card and I used the credit card as soon as I received it on XXXX XXXX which prompted me to believe USBank is counting the day they mailed credit card and not the day I received the credit card which is not ethical way of doing business. USBANK clock is ticking even when I do n't possess credit card to request balance transfer. I was told by supervisor XXXX I should have an existing checking acct inorder to qualify for {$100.00} credit. 
USBANK web site should n't be offering me credit card offer along with checking account opening if there is a requirement of existing checking account and this practice is very misleading. USBank is offering so many promotions in a misleading way just to attract customers and denied promotions once they open accounts. USBANK web site should n't be offering me credit card offer along with checking account opening if there is a requirement of existing checking account and this practice is very misleading I demand that USBANK grant me % 0 APR for balance transfer since I was given misleading info from customer care and also USBANK clock is ticking even when I do n't possess credit card to request balance transfer. Also USBANK should give me {$100.00} credit Since USBANK web site should n't be offering me credit card offer with {$100.00} promotion along with online checking account opening if there is a requirement of existing checking account and this practice is very misleading
On XXXX XXXX, XXXX XXXX XXXX Bank had put an inquiry on my credit report. I have no knowledge of this inquiry and would like for them to validate this account by providing a copy of my signed contract with them. If you can not provide this information I would appreciate if you remove it from my credit report from XXXX, Experian and XXXX along with the inquiries too. According to the FTCA you have violated my rights and broken the law.
I called Transunion credit report 3 times. I tried to file an dispute on some inquires that were no authorized by me. The first time I called it was XXXX/XXXX/XXXX, the representative stated they do n't do disputes on inquires. The next day I called back XXXX/XXXX/XXXX that representative stated I have to mail in or fax my dispute in. XXXX/XXXX/XXXX called to check the statues on the dispute. Was told they did n't have it, that i need to resend it. Hung up called back same day. The rep stated they received the dispute. That i need to contact every creditor i am disputing with also that I need to get a police report. Went to the police dept where i am located. Was told I cant file a report unless my information was used and gain goods off my information. I then spoke with the Supervisor of the dispute dept. He stated i would have to waite till the inquires fall off. I then asked why do I have to waite for something to fall if its not mines or was authorized by me.
After receiving an initial letter from XXXX XXXX XXXX ( ERC ) I replied in writing that I disputed the validity of the alleged debt and that any future communication from them was to be exclusively in writing ( no telephone calls to any number ). To date I have not received any verification or validation information or even any acknowledgment of my dispute and they continue to call my cell phone ( sometimes multiple times per day and/or early in the morning ) despite receiving both written and verbal cease communications orders.
Equifax is unlawfully reporting accounts without verifying or validating the debt. They are in violation of Section 609 of the Fair Debt Collection Act.
I monitor my credit with XXXX XXXX through XXXX and XXXX reports. On XX/XX/XXXX my FICO score with XXXX was XXXX, on XX/XX/XXXX it dropped to XXXX. On XX/XX/XXXX it was XXXX with XXXX, XX/XX/XXXX dropped to XXXX. There had been no significant changes to any of my credit accounts. On XX/XX/XXXX I used XXXX XXXX to check on personal loans to consolidate credit card debt. It states this does not affect your credit score. Several offers were returned. I received an email from one lender stating there was a negative account in my file and they were not offering a loan. On XX/XX/XXXX I received a credit monitoring alert from XXXX XXXX XXXX for which I had signed up due to their credit breach. I have a charge off /closed credit account with XXXX/XXXX from XX/XX/XXXX. This is the only negative on my report which was factored into my credit score 5 years earlier. I called XXXX. The representative told me Experian had made a remark on my report and that is why XXXX dropped my score and subsequently XXXX also. I filed disputes with all three agencies but they did not seem to understand my concern. Why did the soft inquiry that is not suppose to affect my credit do this? Why is my credit score being significantly dropped again when it was already affected by this 5 years ago? On both my credit reports I have 100 % payment history and 0 derogatory marks.
XXXX Called N.A.R. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX asking them to validate the ( 2 ) collections they have added to my credit report. Instead of validating the debt, on XXXX, they sent me a NEW collection letter to the updated address that I provided to them. 
XXXX Called again asking for the validation ( signed contract ) showing my signature. Spoke with a Supervisor named XXXX and she indicated that she was still waiting for the documents from XXXX 
XXXX Called again and spoke with the Supervisor XXXX asking for the paperwork again. She indicated that they received it but because they were closing in 5 minutes that she would email it to me first thing the following morning. 
XXXX Called again asking to speak to the Supervisor XXXX but was told this time that she was not available. 

I have disputed this two charges thru the Credit Bureaus, ( XXXX ; XXXX ; XXXX XXXX but they just sent the information to the collection agency and the collection agency will not provide the proof nor will they take these off of my Credit report Idaho XXXX Date opened : XXXX Amount : {$2400.00} XXXX Date opened : XXXX Amount : {$4200.00} I have never lived in XXXX. My wallet had been stolen with my drivers license ; social etc inside. I have filed a police report already but they too need to see the signed contract against my drivers license / passport showing that it was not me.
Was denied retrieval of funds by bank rep/teller by   XXXX   XXXX    XXXX . After asking if I could write down amount of withdrawal ( instead of verbalizing as she requested ) she became rude. She then proceeded to advise me that signature was a non-match. Thus would not be able to disperse me my funds. There is a hold on my debit card preventing me from properly generating use of my money.
My Student loan originally was a Loan, Navient took over the loan and now is a credit line and all my payments went to pay interest. I never signed for this change.
First off, I would like to state that I am a XXXX XXXX who is currently unemployed due to a layoff. On Friday, XXXX XXXX, 2017 ; to my knowledge, my account was at a XXXX balance. I made a conscious decision to overdraft my account to pay for parking ( D.C. Parking mainly accepts card transactions ) in order to attend my volunteer position. After I completed my duties, I decided to submit {$5.00} to pay for my parking in order to avoid any overdraft fees. At this moment, I realized that there were some fraudulent activities on my account which caused my account to go into a negative balance which also included SunTrust overdraft fees. Immediately after, I called the bank to inform them of this activity and notified them that I made a transaction prior to knowing what was taking place with my account. The bank then informed me that they would look into the fraudulent charges and assured me that I would not get any additional overdraft fees for my parking charge. After about 5 business days had passed ( the estimated time told to fix the fraudulent activity ), I called for a follow up. The bank then told me that I was misinformed and that I am liable to pay the fees. Thus, I complained again. SunTrust told me, since I was misinformed they needed to have their research team clarify the recording in order to lift their fees off of my account. As a result, the banks research findings found me liable and now, I have to pay {$5.00} plus {$72.00} in overdraft fees. I do not have a job, I am currently looking for one. I live off of financial aid to carry me throughout my academic career. I am a hard worker, an XXXX XXXX XXXX Please help me. I do n't think its fair that I must paying {$77.00} for a parking spot when I am actually devoting what little time and resources that I have to the XXXX.
Chrysler capital wrongfully repossessed my vehicle on Monday XX/XX/2016 it 's now XX/XX/2016 my car is paid untill XX/XX/XXXX but I have yet to get it back .... i am XXXX they are aware of this so my son is on the loan with me to take care incase something should happen. So all my basis are covered. They said they can not compensate for XXXX or loss of wages due to their error. My XXXX plates are in that vehicle and other sentimental items. No Picasso or anything but priceless to me. And being that I 'm pacific time and they are on central time I have to get things started early to get no where ... I 'm so confused frustrated my health is declining I 'm XXXX and XXXX for all XXXX that I 'm under .... Please help me!!!! They knew i am XXXX they know they are in the wrong and yet they still do n't do anything to help my situation!!! Please contact me at XXXX my name is XXXX XXXX
I'm not happy with the resolution proposed by Chase. " We will extend your Anniversary Free Night through XX/XX/XXXX, to include any of the XXXX hotel properties worldwide. '' They need to grandfather the promotion and not change it the way they want. This is not right! To remind them this was the deal when me and my wife signed up for this card : This is not the right way to solve this issue, the deal was a free night for every anniversary not only for first year. When I opened the card the deal was : " Chase XXXX  Rewards Club Select Credit Card Earn XXXX bonus points after spending {$1000.00} on purchases within the first three months of account opening Enjoy a Free Night after each account anniversary year at over 5,200 hotels worldwide Earn XXXX points per {$1.00} spent when you stay at an XXXX hotel Earn XXXX  points per {$1.00} spent on purchases at gas stations, grocery stores, and restaurants XXXX Rewards Club Bonus points are redeemable at hotels such as XXXX XXXX & XXXX, XXXX XXXX XXXX & XXXX and XXXX XXXX Platinum Elite status as long as you're a Select credit cardmember Automatic 10 % points rebate on redemptions {$0.00} Introductory Annual Fee for the first year, then {$49.00} a year " not just for XX/XX/XXXX, or XX/XX/XXXX, so they need to respect the promotion and the people who are their customers. For whoever got this Credit Card including my wife they need to respect the deal we signed. I'm also a Chase customer, I do my banking with them, I have my checking and savings account with them. If they are not willing to respect the deal I might end all my accounts I have with them and I'll be banking with another bank. Thank you,
I have been trying to dispute a report. My tax liens have been removed as of XXXX XXXX,2015. I have a letter from the IRS notifying me that they were released. However they continue to be reported on my credit report. Each time I look up how to dispute a report I am taken to blogs about credit/collections advise. I only want this taken off my report. I am trying to buy a house. please take these off my report.
On XXXX XXXX 2017 I submitted a written request for validation of the debt under the Fair Debt Collection Practices Act. Specifically I requested the following required information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent Their response provided me only the information on their debt collection letters and my credit  report and non of the requested required information. At this time they are in violation of the FDCPA. I request they be ordered to stop all debt collection attempts and remove this item from further credit reporting.
I have been r eceiving automated phone calls from penn credit corp claiming that they are trying to collect on a debt from   XXXX   XXXX   XXXX   XXXX  . I have not ordered anything from    XXXX   XXXX   XXXX   in, more than 10 years. I paid late then but did pay  XXXX . I heard nothing from them for years but just started receiving the collection calls out of the blue..