WillisBack/dataset-financial-user-claim huggingface dataset:
I had XXXX in Fraud so I closed my XXXX XXXX XXXX Account and they did n't close it and put the new Account in the Robbers name sending the robbers XXXX ATM Cards stole XXXX from me the bank and Judge say its impossible two comprehend. 

XXXX Bank denied me a new Account because i did not have a id card i purchased and opened a XXXX Account With XXXX and XXXX XXXX i ca n't get Verified two get a master card i need two travel. So i sent XXXX XXXX dollars two open new account and copy of ID and they respond already canceled then chat said apply agin then Chat say call them I do n't have a Phone I 'm XXXX. 

At Wells Fargo i always pay my Credit Card with Cash and i walked in and paid XXXX dollars and asked if i had Auto Pay and they said yes and i did not because it showed a closed account. 
I filed a fraud report that the bank teller robed me telling me i had Auto Pay and then Every Time i walk into the Bank a manager has two verify me so Every time i go into Wells Fargo the manager comes and Verify Me. 
Fore 3 months i ca n't get Verified with Pay Pall i have tried many times. 

A bank worker can send themselves all my Money then there lawyers only say its Impossible two Comprehend then almost no other bank will give me a new card
This debt appears on my credit report by a third party lender. I initially requested to know who the loan originator was and denied that information. I have requested to have this information removed as the account has been added to my debt consolidation loan in XX/XX/2015. Once my loans were consolidated it should be a violation of my rights for them to continue to report it. I have contacted ACS/ XXXX/ Conduent regarding my student loan and I have disputed it with the credit reporting agencies ( XXXX, XXXX, and XXXX XXXX ) and the student loan companies are stating that the information is accurate and refuse to remove it from my account. ACS/ XXXX/ Conduent told me that they have no accounts associated with my social security number. When I have them dig deeper they find accounts that are closed, paid in full. However ; they still appear on my credit report as a negative. When contacted, they told me that even though they accepted full payment and closed the account, the missed payments continue to be negative on my account. XXXX XXXX has my student loans in debt consolidation and it shows in good standing on my credit report. What is the point of paying off any debt if you have ever missed a payment? Companies can do whatever they want to consumers and it's basically too bad.
Around XX/XX/XXXX, we apply for a Loan Modification with Bank of America because of Financial Hardship in our family and they sent us the paperwork fast to start completing  documentation in a timely manner. XXXX XXXX is our point of contact for any questions, concerns, etc. and his information will be in included in the uploaded document. As of today XX/XX/XXXX we already sent ALL the documentation needed to complete our Loan Modification process and a few days ago BofA sent us an important information that our Home Loan will transfer to XXXX   XXXX XXXX, a division of XXXX XXXX XXXX, XXXX on XX/XX/XXXX. Based of customer reviews ( many reviews on their websites ) XXXXXXXX XXXX XXXX, a division of XXXX XXXX XXXX, XXXX after receiving the home loans from another financial institutions they ALSO transfers the home loan again until the customer is at the point of no return to their houses because the monthly payments are " impossible '' to pay. 

My understanding and per our Reforms in the California Homeowner Bill of Rights BofA can't  transfer our Home Loan to another Servicing/Lender. I keep calling and leaving messages to XXXX XXXX via phone, email and I also needed to escalate to the Call Center Manager asking for XXXX XXXX 's Supervisor. I sent a message to XXXX 's Supervisors and I still not getting any answers from any of them. 

Then after, I called the Customer Service extremely worried an one of the Service Representative from BofA told me that usually this is been happening very often in the last two years with BOFA ( sending letters to customers letting them know their home loan will transfer to another servicing/financial institution ) but at the end and almost 24 to 48 hours that transfer is cancelled without notifying the home loan customers, its very confusing and I don't think it's the right thing to do. We are currently living on our property and its a single family own.
I was going through my credit report last month and noticed several credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of these creditors and credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them, I being giving run around. I've also personally wrote to the credit bureaus to look into this, and I just received auto template mentioned that I need to contact the Creditors/Companies that I haven't authorized them. I do not believe I authorized anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and would like these hard inquiries removed completely from my credit file :
Ally Bank charged me an overdraft fee on a debit card. 
1. Sufficient funds are on deposit. Ally delays all deposits for several days. I do not know why - and frankly, I do not care why. They have MY money. 
2. If there are not sufficient funds for a debit card purchase, they should decline the transaction. This is law. The FACT remains - I have sufficient funds on deposit. 
3. If someone came into my home and stole from me, I could shoot them. 
I DEMAND MY MONEY RETURNED IN FULL. 
Further, I request a {$35.00} fee for theft.
Santander auto financial had sent a letter from a lawyer at XXXX. My wife had called them to make arrangement for payment. She was told that if she paid XXXX dollars by XX/XX/2017, that she could make a payment on the first at just keep making payments until caught up. Well, today Friday XX/XX/2017, I XXXX XXXX XXXX XXXX was severed with a court summons to the fact that Santander is placing a judgement against us and in the court of XXXX, Wisconsin. When I called the corporation to talk about the matter, the person that took my call was very rude and empathetic to the fact that my wife was in a car accident and the fact that we have had to pay medical bills, her out of work and getting my car put back together. As a matter of fact, she said that I was lucky that I lived in the state of Wisconsin, because if not they would have already repossessed the vehicle. At this point she started becoming even more rude to the fact that she was talking down to me. I have a XXXX XXXX in XXXX and I told her that this is not the way to do business but of course being a big bank they can do what ever they want. I am a XXXX veteran, which is willing to work on this but the unforseen car accident put a strain on finances and this corporation does not care about anything but there money.
On or around XX/XX/2016 I was involved in an accident was XXXX. Once I was able I immediately contacted XXXX XXXX XXXX in an effort to return their equipment. I was advised that I was " too late '' as 15 days has now passed. 

I explained the situation and still want to return the equipment, but they refuse to speak further with me and instead are poisoning my credit report. 

I do no owe XXXX XXXX XXXX and now they have turned me over to a debt collection company called XXXX XXXX XXXX that is poisoning my credit report and causing me damage in obtaining favorable credit terms and emotional distress. 

I have obtained XXXX XXXX XXXX XXXX on an unrelated matter, but they have advised me they will step in if my efforts to get this taken care of in a voluntary manner fail. 

Along with this complaint I am filing a Complaint with my State 's Attorney General and have been told I have a cause of action under the Arkansas Deceptive Trade Practices Act. 

However the most disturbing is that I want to invoke the arbitration clause in XXXX XXXX XXXX XXXX contract and they refuse to send me a copy of my contract. I have been assured by XXXX XXXX they can compel the production and then I will immediately arbitrate against XXXX XXXX XXXX and their collection agency. 

Please help me get this resolved. 

Thank You!
I have been a citi aadvantage card holder since XX/XX/2007 I upgraded my card. with that I went from a {$50.00} to {$95.00} yearly fee. When I signed up I was told that this year would be waved since I upgraded my card. I have called in 4 times now to get a run around. they tell me that a supervisor will call me back and they never do.
I have a vehicle loan through BMW Financial Services. I was thirty days late for the XXXX XXXX, 2015 payment. XXXX of my credit reports state they the XXXX late was XXXX 2015 and the other says XXXX 2015. I have disputed this with the bureaus and BMW responded that they were reporting correctly and they are not. I have attempted to resolve this through contacting BMW on multiple occasions and I continue to get different answers. I am requesting assistance to have the credit reports report correctly as showing the payment was XXXX days late for XXXX 2015. I have attached a letter from BMW that I received stating the XXXX payment was late.
On XXXX XXXX I deposited a total amount of {$1800.00} to an ATM outside of Chase located on XXXX XXXX and XXXX XXXX, XXXX, AZ. I was only credited for {$1200.00}, I have filed a claim for the missing deposit of {$600.00} but it was denied. The claims department directed me directly to the branch that mishandled my deposit, while at the branch no one could help and directed me to the Police department to request a subpoena and consent form in order to get copies of my deposit receipts and transcriptions of my calls to Chase claims. The police department had no idea what I was talking about and directed me back to the bank. The second time around I was highly upset and spoke to a manager at Chase on XXXX who was able to get me copies of my receipts which showed the discrepancies of missing funds but could not help me recover it. The manager told me to fax the receipts to Chase which I did but in return to only tell me they did n't receive anything. On Thursday XXXX/XXXX/XXXX I filed a claim with Chase Executive Office claim # XXXX as an urgent request but still nothing has been done. I have exhausted all options and am really upset that this bank is stealing my money at no fault to me. I ask for your assistance in recovering my funds as my bills have been delayed due to the lack of funds on my account. I am beyond disappointed on the mishandling of my account and money.
Macy 's fraud department notified me on XXXX XXXX regarding potential fraud on the american express portion of my Macy 's card. This was removed from my account in a timely manner. On the Macy 's portion of the card, they did not review for fraud but I found the fraudulent charges on the same day. Since my initial paper work for this fraud, I have had to call monthly to get this cleared from my account. As of today, it has not been removed.
I have been a credit card holder with Capital One since XXXX. I paid my bill on time every month until XXXX. I had a very devastating financial hardship. As a single mother of XXXX small children, it was hard for me to find a job that fit my schedule, as I was very limited to child sitting resources. I had to constantly switch jobs just to fit my babysitters schedule, so it was hard to balance finances. Due to the problems I was having, I made a total of 5 late payments to Capital One. The last one was 5 months ago ( which was Capital One 's fault ). I 'm finally stable with a permanent job and stable income. I 'm in the process of fixing my credit so I can possibly become a homeowner in the next two years. On XXXX XXXX, XXXX, I emailed the CEO of Capital One a goodwill letter pleading to them to remove my late payments as they are really affecting my XXXXredit score tremendously. I received a call on Monday, XXXX XXXX, XXXX, stating that they WILL NOT remove my late payments for me.
I have student loans where about XXXX dollars in the XX/XX/XXXX and payed on them, my husband applied for these loans. We payed on them and them in XX/XX/XXXX my husband died and i was unable to make payments have had several forberances and now my loans is XXXX dollars there is no way i will ever be able to pay this loan off. I made several attempt to pay something on them and they based it on income which was still way to large a payment for me to make with only XXXX income. The would not accept any payment unless it was the entire amount. My loans started with XXXX XXXX and where sold to Navient. I have had to do forberance and interest and fees and mounted up to very larger charges. Please let me know if there is something I can do. Am I a candiate for the current lawsuit that is now going on. I am now on forberance because I am only working part time.These loans are for my daughters college education.
On or about XX/2017 I borrowed XXXX $ from Check and Go, I experienced a unforeseen problem. The Company Check and Go continues to call my employer with automated massages. Is this unlawful? I plan to pay my dept, but this is causing problems at my job.
My name is  XXXX   XXXX  and I have reported m y Tjmaxx Master ca rd lost/stolen back in  XXXX   XXXX . I have paid my valid balance and closed this account. I have received a letter after few days that they approved my fraud claim and removed all the charges. Now all of a sudden I have received an email in  XXXX   XXXX  that I still have a balance of some {$2100.00} . ( cr edit card ending  XXXX  ) When I called Tjmaxx credit card, I was told that they have denied my claim back in  XXXX . This is so unfair and I want them to disclose all the investigation as I do not agree with their decision. It is on my credit report as a negative factor and I want this to be resolved ASAP.
Will first of all I tryed getting a loans but they consume that I could n't get it so know I see that I have bad report ungesst me that 's not right for this people be doing me like this and someone been using my identity to get loans and banks I 'm tried of this already please help me fix this problem.thanks you.
A company identified as : CBNA made hard pulls of my XXXX credit report on XX/XX/XXXX and XX/XX/XXXX without my authorization. After some research it seemed this is Citibank?
This XXXX refinance transaction is troubling. First of all, I specifically told the lender that I would like to refinance my payoff balance. Then I had a processor negotiating how much to refinance based off what I thought I owed US Bank. She first put {$94000.00} as I was n't sure. Then she put {$87000.00} when my payoff was around {$86000.00}. I do not understand. 

Another issue is that I had an escrow shortage of {$1100.00}, so I made an additional payment into escrow in the amount of {$1100.00}. I was advised last week by the processor that I would not need to bring any monies to closing. Then a closing manager contacted me on Friday telling me that I need to bring over {$1900.00} to closing. She also says my payoff has increased to over {$88000.00}. I do not understand. She told me that if I did n't agree, we would n't close until next year. I agreed as I would n't consent to this tactic. My loan officer was out of the office on XXXX XXXX. My closing was anticipated for XXXX XXXX. 

I find something unethical about this transaction. First of all, they waited until the last moment to drop the final number to pay. Why would I need to pay when I paid the escrow shortage? They also increased my interest rate from XXXX to 5 % to including my closing costs. I feel as if I 'm getting ripped off. 

The amount financed should not be negotiable. I 'm not requesting extra money. It seems as if the lender is trying to increase the amount finance and loan costs. 

Could you please investigate this transaction? I will attempt to obtain the documents I received last week showing the new numbers and the amount they are requiring. 

I also filed a complaint with the XXXX program requesting an investigation.
Today I received a message via email that my " card information may be at risk due to a data breach at a business where you shopped recently. To help protect you from fraud and give you some peace of mind, were reissuing your card with a new account number and security code. '' I subsequently called the card issuer, Capital One Visa, and asked for the name of the merchant that suffered the data breach. I stated that I wanted to stop doing business with the company to avoid further risk to my account. The representative expressed sympathy with my concern but refused to name the company. 

Unsatisfied with this answer I asked to speak to a manager and was transferred to a fraud specialist at Capital One Visa. The manager repeatedly refused to disclose the name of the organization.

This is unacceptable. If a company fails to secure its data then customers should have the right to know about it. Capital One 's actions seem more concerned with protecting a company from the consequences of its data breach than protecting the individuals, like myself, who have actually suffered a real loss and remain concerned that we may be exposed to additional compromise. In other words, how can I be sure that the new card I have been issued won't be compromised again if I unknowingly return to the same business that caused the problem in the first place? 

Furthermore, how can I be reasonably expected to protect myself if companies merely circle the wagons and keep customers in the dark? This is about far more than just exposure of my credit card account. What else was exposed by this data breach? Capital One Visa should automatically be obligated to notify customers of a data breach so that customers like myself can mitigate losses and protect assets from all forms of data exposure. 

In closing, companies with insecure and/or badly managed data management practices should be exposed so that security minded individuals like myself can make educated decisions about the management and exposure of our data to companies we do business with. This includes credit card companies themselves. How can I protect myself from something I am not allowed to see?
since opening an account with this bank they have had several ongoing issues. fifth third has had problems in which I am was not able to access my account via the mobile app or online, they have at all times made accessing my account and changing simple things even such as my phone number a huge hassle. When calling into customer service there is consistent rude, nasty service by people who dont speak clear english. When asking for a supervisor I am often hung up on or transferred tot he wrong departments. I am often given wrong information as to matters such as what actual debit card is active on my account. The bank has made disputing transactions as complicated as possible. The have misrepresented bank terms and conditions to me as well as privileges. The bank when I have called to speak to a manager I am transferred to the wrong departments or placed on holds of an extremely long time and often still transferred to someone who is not a supervisor.
Paypal took action to close my account but refuse to refund my money back to me. I 've waited for weeks after my account was closed but they 've still not sent my refund. I do n't understand why they 'll close my account for no reason whatsoever and then refuse to give me the money in the same account they closed.
I purchased a new vehicle from XXXX XXXX XXXX XXXX, California on XXXX XXXX, 2015. The car was a 2015 XXXX XXXX XXXX and decided to do the 0 % financing and put {$5000.00} down @ XXXX mos. My credit score was over XXXX! After XXXX months of calls from Chrysler Capital financing, a " XXXX '' requesting excessive documentation, personal bank statements, " how 's the money coming in '' ( really should n't matter where 's it coming from ) other than my net worth well exceeds the value of the vehicle. With the assistance of my financial institution XXXX XXXX XXXX XXXX company could not believe what Chrysler Capital financing was putting me through and the inconsitencies with requests!! Examples : XXXX XXXX - tried calling XXXX at the number that you gave me, nothing but a busy signal. XXXX the number to make sure I had it right, still busy. 
XXXX XXXX - tried the number numerous times during the day, still busy. 
XXXX XXXX - XXXX called in and we spoke. She was looking for employment info, which I told her I could not provideXXXX XXXX - XXXX called ( acting like it was the first time we had spoken ) and requested statements. I sent her the statements per my conversation with you. 
XXXX XXXX - received a message from XXXX, again acting as though she had never contacted me before, asking the I send the statements. I resent the statements and emailed XXXX XXXX XXXX - Spoke with XXXX at XXXX XXXX dealership and sent him the statement once again. 
In closing, I could of out right purchased this vehicle cash, but choose to do the financing. Having said that, if I was treated so poorly I would of never gone through this ordeal. On Sunday, XXXX XXXX I received a call from the Finance Manager, XXXX at XXXX XXXX apologizing for how I was being treated and that the loan had finally gone through. Returning home from vacation on Friday, XXXX XXXX to find a note taped to my front door from Chrysler Capital - " Urgent Notification - Account Default '' Really completely blown away!! XXXX weeks after getting a call from XXXX ... now my thoughts are what the XXXX is going on?? Called Chrysler Capital on Monday, XXXX XXXX and spoke to a XXXX, Manager in Servicing and I immediately asked her where is the statements, coupons reflecting what 's owed. She could not give me an answer and said that NO documentation had been sent to me even when I explained that the loan had been finally funded. Lack of complete communication ... I did n't know what to think other than, a real poor way of handling customer 's and NO XXXX people know what the XXXX is going on!!