WillisBack/dataset-financial-user-claim huggingface dataset:
Chase sends emails out to its customers offering a promotion to sign up for " Chase Pay '' and use it on XXXX and receive 10 % cash back on up to {$250.00} in purchases. However, as soon as one goes to use Chase Pay on walmart.com, Chase instantly freezes the user 's credit card account. I 've never had a problem with this credit card ( the one tied to chase pay ) being declined or had a fraud alert placed on it and have made significantly larger purchases using the card, but as soon as I attempt to make a small purchase with Chase Pay tied to this card, it gets frozen? This freeze by Chase requires a lengthy set of phone calls talking to numerous departments at Chase and answering dozens of questions. Then they often put a review on the account that can take up to 10 calendar days to respond to you. This happened to not just me but is attested to by at least a hundred users on various financial forums such as XXXX. It seems this is a form of false advertising as Chase offers a promotion and then when you attempt to use, they freeze and even lock your account so you 're unable to use the promotion before it expires. I just had my account frozen and the anticipated removal time is conveniently enough 2 days after the promotion ends. Very deceptive marketing by Chase.
My father signed the document that he would pay for my braces. He was unable to do so and this debt was passed to XXXX XXXX. Instead of contacting my father to collect the debt they have contacted me. 
I have informed them on multiple occasions to contact my father however they have made no attempt to do so and have continued to call me at work and other inappropriate times. 
I also find it suspicious that they have not attempted to contact my father. He informed me that he filed for bankruptcy not too long ago. That bankruptcy would discharge the debt. I suspect that they are attempting to illegally collect the debt from me since I may not have knowledge of the bankruptcy. 
When I informed them of this information and requested they stop attempting to contact me, they put me on hold for 10 minutes while I was at work.
I was in school for over six years, XXXX of my loans was sold to various lenders. I was never made aware of this and now 6 years later, it is the only negative thing sitting on my credit report, and almost double the original amount. The contacted the collection agency about payments or settlement and they want far above what I can afford, and almost 2 years worth of payments.
Dear Support Representative, I just discovered this and paid the amount of XXXX . You can find the payment of the receipt that is attached. I would appreciate if you can help me remove this derogatory mark as affects my credit history. Sincerely, XXXX XXXX
I was living with a friend and moved out they where notify and the cables still continued to be on there for it became a huge bill. Never received anything about tell I checked my credit score
XXXX XXXX Bank of America has refused to return the residual balance in a bank account of {$3.00}. After contacting the customer service organization they communicated that they would charge me {$50.00} for the return of my {$3.00}. Or they could just take my {$3.00}. Every financial company should be required to provide at least XXXX option for returning a customers own money without a fee.
Called staff XXXX, XXXX agent no information from agent told Ombudsman office handling account left message to have some call me about account issues. 
XXXX Ocwen XXXX, asking XXXX to have agent handling account to call me as customer service could not talk about account. No rep from a Ocwen has called. 
Received doc requesting proof of payments. We sent docs XXXX to Ocwen verifying XXXX / Ocwen issues. Informed the docs were destroyed, per their 5 year rule to maintain records. Despite XXXX XXXX Supporting docs, transferring information / files from previous servicer would be maintain. 
Ocwen XXXX XXXX is a constant predatory and unfair servicer with many facillies in servicing loans, even simple communication.
I had XXXX account with XXXX in XX/XX/XXXX and my account was paid in full closed in XXXX ending in XXXX. I did n't have any other account ending in XXXX
I will be filing a complint on your company for sharing my personal information with my coworker when the young lady called and talked to three coworkers and advance america was not surpose to give your company my social security number i signed a privacy policy saying my personal information will not be sold or shared which is identity theft please cease all communication with me and my complaint will be filed with the consumer financial pertection bureau sincerely XXXX XXXX
This company keeps calling and harassing me. I advised them to send me a letter stating specifically what is owed and who the original creditor is. They state theyre not sending a letter. They also assume that Im XXXX XXXX, and try to verify the last four digits of my social security number and date of birth. I have asked them repeatedly to cease all communication and to only contact me by mail. I ask there address and they wont give that information, I asked to speak to a supervisor and they hang up. They even hang up as soon as I try to ask a question.
According to my recent credit report request from XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX  Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NOT SIGNED AGREEMENT WITH ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX Account # XXXX  Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XXXX & XX/XX/XXXX BUT I HAVE NEVER BEEN LATE ON THIS ACCOUNT PLEASE HAVE THE CREDITOR REMOVE THE LATE PAYMENT OFF THIS ACCOUNT XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX BUT I HAVE NEVER BEEN LATE ON THIS ACCOUNT PLEASE HAVE THE CREDITOR REMOVE THE LATE PAYMENT OFF THIS ACCOUNT
I made an extra payment to my mortgage servicer, Green Tree Servicing, on XXXX/XXXX/15. Green Tree applied the correct amount to my current payment, but they did not apply the extra amount, totaling {$360.00}, to reducing the principal. They are essentially sitting on the money, doing nothing with it. I submitted an online inquiry to Green Tree, but only received an automated reply stating that they would get back to me within XXXX days. I also called Green Tree 's customer help line today. I explained the situation to the operator, and she assured me that she would have the {$360.00} applied to reducing the principal. However upon checking the account online this evening, I see that nothing has changed. 

Note that Green Tree 's web site states : " You have two ways to pay additional toward your principal. One, you can choose biweekly payments to pay down your home loan faster. XXXX, even if you choose monthly payments, you can pay extra any month. If we receive a payment larger than the amount due, we apply the additional amount first to any outstanding fees and then to your principal balance. '' However, the operator I spoke with today stated that Green Tree does NOT automatically apply extra funds to reducing principal. 

I see that CFPB and the FTC have fined Green Tree for illegal and unethical practices XXXX. Green Tree acquired my mortgage, which is in good standing with zero late payments in its XXXX year life, from a reputable lender. Green Tree has been difficult to deal with from Day 1. I urge the CFPB and FTC to use your power to steer other lenders, as well as XXXX XXXX and XXXX, away from doing business with this shady operation ( pun intended ). 

Thank you.
XX/XX/XXXX I sent this letter to XXXX XXXX Dear : XXXX XXXX XXXX As I was reviewing my credit report I became aware of a collections account reporting by your company. What I find strange is your attempt to collect on a debt thats non-existence. Why would I pay for something I do not owe? Again, I dont owe you any money? 
With that being said, please see this letter as me disputing this alleged debt with your company as well as requesting debt validation. 
Thirty days, is more than enough time for you to send me legal supporting documents bearing that this account belongs to me, hence owing you any money. 

Regards, Experian XX/XX/XXXX Report # XXXX Dispute Results : * XXXX XXXX XXXX XXXX-Verified as accurate *XXXX XXXX XXXX XXXX XXXX- Verified as accurate Experian XX/XX/XXXX Report # XXXX Dispute Results : *XXXX XXXX XXXX XXXX Deleted *XXXX XXXX XXXX XXXX XXXX-Updated If XXXX XXXX sold this account to XXXX XXXX XXXX why were they both reporting as open? Once I sent the debt validation letter to XXXX XXXX XXXX it was finally removed. Attached below is the letter that I sent the credit bureaus. 

Dear Credit Bureau I am writing to dispute this account that is reporting inaccurately. I contacted XXXX XXXX XXXX at the telephone number XXXX on XX/XX/XXXX at XXXX XXXX and was advised to contact another number XXXX. What I find strange is XXXX XXXX XXXX sold this account to XXXX XXXX XXXX, but XXXX XXXX XXXX has removed this from my credit file as of XX/XX/XXXX after my dispute with them. Both XXXX XXXX XXXX  and XXXX XXXX XXXX, with the same partial account number XXXX were both reporting on this same debt. IMPOSSIBLE!! This is not a valid debt so how are you reporting it if its non-existence? I demand that you provide me with legal proof. Why would I pay for something I do not owe? Again, I dont owe XXXX XXXX XXXX any money? I demand this information be deleted from my report. Send me an updated copy of my report once this has been deleted. 
Thirty days, is more than enough time for you/XXXX XXXX XXXX  to send me legal supporting documents bearing that this account belongs to me, hence owing XXXX XXXX XXXX  any money. Im demanding that this is removed from my credit report immediately if XXXX XXXX XXXX cant provide proper information/documentation that I owe their company. Continuing to report this inaccurate, unverifiable information on my report is illegal and I will file a complaint with CFPB, FTC, XXXX and whoever else I need to get this resolved. 

Regards, THE IS UNFAIR TO MYSELF AS A CONSUMER AND I WOULD LIKE FOR BOTH ITEMS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.
I 'm unable to open either a business and or personal account with XXXX XXXX XXXX and I 'm completely confused as to why. I 've had no record of abuse with XXXX XXXX XXXX and I 'm being treated unfairly and would love to be a XXXX XXXX XXXX Customer.
Capital One  continues to charge me excessive, non-contractual interest with every statement. I accepted a balance transfer offer from  Capital One. A fter doing so, I have different interest rate " tiers '' posted to my accou nt ( balance transfer rate plus regular purchases ). As part of the balance transfer offer, Capital One a ssured me in their online wizard when I accepted the offer, that I could continue to avoid interest on new purchase by making the " interest saver '' payment posted on the statement by the due date.   Every month, I make the " interest saver '' payment on my account by the due date. Every month,  Capital One char ges me interest on new purchases ( a small amount, less than $  XXXX , but not the zero amount that was advertised, and continues to be advertised, with the " interest saver '' payment posted on each and every statement. I am sick of calling  Capital One eac h and every month to remove these charges. Capital One gives me a long litany of BS when I call them as to why this occurs. Examples, The advertised "  Interest Saver '' payment is only APPROXIMATE. You can not break up your interest saver payment into MULTIPLE payments or on MULTIPLE days. You can not make your interest saver payment   BEFORE the due date, etc. In short, they just can not get it right. None of these peculiarities is of course communicated to the consumer, and even following their instructions exactly ( making o nly one payment of the " Interest Saver '' total, not multiple payments adding up to that total ), I continue to get charged non-contractual interest. Capital One is the top 5 issuer of credit cards, and balance transfer offers are an industry standard. Why can they not calculate the interest   correctly, as advertised to the consumer, and as per the balance transfer contractual terms and conditions??? This is unconscionable behavior.
I was given a credit of {$2000.00} with the Best Buy originally through City Bank. At a certain point they lowered my limit and this caused me to be over balance with them and have to pay extra fees. 

I was in college and the military at the time. This debt has been made whole with them. 

My credit score was lower, their interest rate was high, they lowered my limit which increased my fees and made it difficult for me to pay them the amount they were asking. This was in XX/XX/XXXX and XX/XX/XXXX.
AFNI is reporting an {$80.00} bill I do not owe. The original company placed debt on my report for equipment in which XXXX did receive. XXXX acknowledged receiving the equipment and removed the debt. AFNI collection is inaccurately reporting a debt I do not owe. I never received verification or validation debt in writing when I requested it and disputed multiple times on my credit report. I researched on the FL Department of Finance website and AFNI is not listed as a licensed collection agency to do business in the state of FL as required.
So much of my payments go towards interest rather than principal. At times, when I would pay more than my required monthly minimum, that extra money went directly towards interest. The first year and a half that I began paying ( 2011 ), all of my payment went towards interest and nothing went towards the principal. Is that normal?
I got my free credit report and it is showing an inquiry on my credit report that I did not authorize.
XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX CA XXXXUSBank Loan # XXXXThe short sale was started XXXX/XXXX/2015 with USBank. Today we were told, by an obviously new and clue-less employee of USBank, that borrower does not qualify for the HAFA relocation incentive " because they did not qualify for HAMP '' So ... .... If someone does not qualify for a loan mod they are ineligible for a relocation incentive???? 


***SERIOUSLY????????????????? 

What does one have to do with the other? 

The employee at USBank was unable to explain why or how USBank came to this decision. 

USBank is obviously understaffed and refuses to train their employees as to not only Federal Guidelines, but also the basics of todays mortgage industry - which includes HAMP and HAFA. 

Does USBank even know the difference between HAFA and HAMP? 


The absolute worst part of all this is that ON USBANK 's OWN WEBSITE it states on page XXXX in the paragraph titled " The Making Home Affordable Program '' : This program has XXXX different options for homeowners - one for loan modification ( HAMP ) and another for refinancing ( HARP ). If you do not qualify for these options, you may qualify for other foreclosure prevention alternatives ( HAFA ). 

It is obvious USBank is purposely not training their employees in an attempt to defraud their own clients, investors and the Federal Government. We already know they think they are bigger than the Federal Government. We have these isues on ALL our files with USBank. If the CFPB would like further information to aid in their next fine against USBank, please let us know. We have closed over XXXX short sales and would be able to provide substantive documentation from our detailed notes, emails, and documents in our short sale files.
I am filing a complaint against Fair Collections & Outsourcing located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. FCO erroneously contends that I owe an outstanding balance of {$1200.00} to XXXX XXXX located in XXXX, Maryland. This apartment complex is owned by XXXX XXXX XXXX which is also known as XXXX XXXX XXXX. Three years ago, I resided in an apartment located at XXXX apartments. On XXXX XXXX, 2013, I submitted my 30 day notice to vacate. However, before turning in my notice to the rental manager, XXXX XXXX XXXX, I contacted the District Manager, XXXX XXXX. I had this conversation with XXXX XXXX because the 30 days carried over in to the month of XXXX because XXXX is a short month. XXXX XXXX explained that I just needed to pay the rent for the month of XXXX and the first two days in XXXX. So I followed his instructions and paid rent for XXXX, the first two days in XXXX, and utilities. After moving from XXXX XXXX, I decided to move to the XXXX, Maryland area and continue my college education. Unfortunately, when I began to apply for apartments, I was continually denied because of the false information that has been reported by Fair Collections & Outsourcing to all the credit bureaus and other reporting agencies. I had no idea that this act of injustice was done to me until I began application processes which resulted in quite embarrassing conversations with several rental managers. XXXX of which informed me that I would never be able to rent an apartment with this negative information attached to my name. I am unfairly suffering because of this debilitating situation. Furthermore, the only apartment I was able to secure is located in a very dangerous area of XXXX, Maryland. Sadly, I have been living in poor conditions without hope of procuring a suitable residence because of the blemish that Fair Collections & Outsourcing has erroneously reported. I have prepared copies of my signed lease from XXXX ( which states 30 day notice to vacate ), my letter to vacate, as well as the copies from money orders paid for my last month 's rent, my pro-rata fee for XXXX XXXX and XXXX of 2013, and utilities. Furthermore, I also did some research on XXXX XXXX XXXX to find out if others have experienced negative treatment from this company as well. Per the company 's website, they conduct business in several states throughout XXXX. The research that I took time to do revealed that this company has quite a questionable reputation. The rating of XXXX XXXX XXXX with the XXXX is low. In addition, there was a complaint made with the XXXX by a tenant who has had the same experience of being falsely accused of owing rent. In addition, the was a complaint posted on the website XXXX about XXXX XXXX in XXXX, Maryland. Lastly, I found information about a lawsuit filed in Nebraska against XXXX XXXX XXXX ; case number XXXX. The management company was found guilty in violations of specific laws concerning releasing military personnel from their lease agreements. In closing, I humbly ask that this false debt be removed from all the credit bureaus and any negative information that has been given to all other reporting agencies. Thank you for your time with this matter.
I had a tablet and other devices from XXXX that i returned to them when i stopped using them. I was supposed to recieve a credit for the devises which would lower my final bill but they never applied the credits and then sold it to a collection company. The company won't respond to us asking for the credits on our bill and are attempting to over charge us for an amount that isn't owed.
I filed a complaint via US mail requesting dispute/investigation with Equifax information listed in my credit report. Mainly to update the phone numbers listed in the consumer statement ( Fraud Alert ). The numbers have changes and I wanted them updated. 
I provided all the needed proof documents, ( Copy ID, SSN Card, Copy Phone Bill, etc ). 
I have not received an update on my mailed in request to update my information. 
I did however get a mailed statement from Equifax ( attached ) which states that they are adding a " XXXX '' statement to my credit report, and that it would remain in effect for 12 months. Plus they are notifing all the other credit reporting agencies ( XXXX XXXX, XXXX ) of " XXXX '' status added to report. 
This had nothing to do with my request. I am employed with XXXX XXXX XXXX was prior military XXXX years ago, and I am NOT on XXXX. All I wanted was the phone numbers updated on the Fraud Statement on my account. The NEW phone numbers should be XXXX and XXXX. I have NO KNOWLEDGE of any XXXXXXXXstatus to report for military service. Plus they are now adding it to all XXXX credit reporting agencies. So now they are no only in-correct in there reporting, but they are reporting incorrect information to other agencies. This is unbelievable!! 
These reporting agencies are total unaccountable for the mistakes and errors they impose on consumers. When you address this issue with them, please ask them to update what was request the " phone number for Fraud Statement '' XXXX and XXXXXXXXWhat can I do, as a consumer to hold the agency accountable. As a federal regulator and consumer protection agency. Making them correct what is wrong, does n't go far enough. 
A huge civil fine, putting a dent in the pockets of the company is the only to make change with these agencies. Yearly I pull my report, and each and every year something is wrong with the reporting. There mistake, not what a company reported. We need your help to correct this problem at all consumers face
In early XXXX, I found an offer from Citibank to open a new checking account with them ; leave {$15000.00} in the account for 2 months, then they would give a {$300.00} bonus. About 1 and a half months later, the account was closed. After calling customer service, I was told that the account was closed as a result of my lack of response to a call they made to me on XX/XX/XXXX. In fact, my phone log says that I called them back about an hour later the same day. Otherwise, I had received an email on XX/XX/XXXX after activating the debit card they sent me, and on XX/XX/XXXX, saying that my transfer had gone through. However yesterday ( XX/XX/XXXX ) I received an email saying that the transfer did not go through and that the account would be closed. I have a feeling that Citi is systematically closing accounts rather than paying out the bonuses they offered to account holders. I would happily have put the money in a high-interest account were Citi not to have made that offer, but instead, Citi has been making interest on my money and left me out to dry.