WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX at XXXXXXXX XXXX I received a text alert that my Chase Freedom credit card was used to make a {$75.00} purchase at a XXXX ( I receive text alerts each time that credit card is used ). I was at work in XXXX, Florida at the University XXXX XXXX XXXX at the time of the purchase, which was made in XXXX, Florida. The card was with me at the time of purchase. I immediately reported the purchase as fraud to Chase and was issued a new credit card. 

On XX/XX/XXXX I received a letter dated XX/XX/XXXX, saying that since my card has a chip they can't confirm it was a fraudulent charge. The letter also said I had 14 days to reply or they would " finish our review and share our final results with you. '' The 14 day deadline is pretty absurd, considering I received it 12 days later. I opened the letter after hours and called the general fraud line, and was told by the rep, again, that the purchase was made " with the actual card. '' This is physically impossible. In fact, she said the card was swiped, not inserted. She provided an email address for me to send my time sheet to, to prove I was working. 

On XX/XX/XXXX I sent my time sheet to the provided email address. I also called the phone number from the letter, which connected me with XXXX 's voicemail box and I left a message. 

On XX/XX/XXXX at XXXX XXXX XXXX returned my phone call. He said what the other rep said, and added that the charge will be put back on my account. He read of the purchases : a XXXX cent water bottle and two XXXX gift cards. I told him that gift cards are commonly purchased with stolen credit cards. Again, I insisted I did NOT make the purchase and he offered to escalate me to a supervisor. I emailed his supervisor my timesheet ( he stated he had no record of me sending the time sheet the first time ) as well as location services information from my XXXX, showing I was in my office six minutes before the purchase was made. 

Between XXXXXXXX XXXX and XXXXXXXX XXXX  I spoke with the XXXX Police Department, XXXX XXXX County Police Department, and XXXX Police Department. I was advised by the XXXX rep to file a report online with the XXXX County Sheriff 's Office, which I did around XXXXXXXX XXXX. 

At XXXX I received a phone call from the Chase supervisor, who told me my documents and case will be moved to the Dispute Department. I'm a little concerned about this since it's not so much a disputed charge as it is fraud. She assured me they will investigate the charge and get back to me within ten business days.
I moved into an apartment complex by the name of XXXX XXXX apartments. At the time they had just becomes the new management company and had a new onsight XXXX. When I moved in there was never a walk-through. The new XXXX charged me for things that were wrong with the apartment before I even moved in. The reason why I moved out is because there was never any hot water and I had XXXX small children. Anytime I needed something fixed they never put in work orders for XXXX XXXX. They went through a handful of maintenance and managers that didnt know what was going on. I tried to explain to the XXXX that there was never a walk-through and she was new and didnt try to help. She added incorrect information and billed me for it. Now Im trying to take care of this. There is no way they can produce a walk-through. I feel that they need to go back to their records and remove Or delete it from my credit. Its been affecting me for the last XXXX years negatively and its time the properly acknowledged their incorrect information! Either they provide a walk-through with my signed signature with damages that were or were not done ( which they can not because there was never one in place ) or remove it from my report immediately! 


I dont have paperwork because its been years but I can provide some of the names I do remember. The XXXX that moved me in and knows things were already damaged was XXXX XXXX. I cant remember the in between names but it ended with a XXXX by the name of XXXX! Essentially shes the one that incorrectly charged me!
I have spoken to several members of management regarding my Nordstrom Visa application. Because of my fraud Alert they requested of me twice my DL, SS Card, And Utility Bill with my name and address on it. I get one member of Credit willing to help me get approved and I believe that I am being definitely being treated unfairly. My credit score and documents match up why do they keep declining me.
I have XXXX credit card charges with American Express ( they are the same charges so it is impossible to differentiate what amount of the charges was for our purchase of their ( the merchant 's ) timeshare and what amount was for fees to enable the merchant to complete the purchase of our XXXX timeshare ) related to XXXX the purchase of a timeshare from a merchant and fees paid to the same merchant for the merchant to purchase our XXXX timeshare. 
I am not sending this complaint regarding a dispute but rather AMEX 's responsibility for the charges. 
If AMEX will not either reverse the charges or absorb the charges we ask that the interest charges be held in abeyance for a period of 2 years from the final dispute resolution date ( this was last week ) as it was agreed by AMEX ( and why we obtained the XXXX cash card ) that the vendor would reverse the charges and then recharge to the simply cash card. This was to allow us time to receive payment from XXXX Collection for our XXXX XXXX so we could pay the entire balance off. Thus providing this time with no interest charges to either fully address this, obtain other resolution, or reasonable time to pay the card off for charges that should not be on our card. Is AMEX willing to do this? 
I expect answers to be provided through this system and not via separate mail.
Got divorced in XXXX 2015 and the umass XXXX bill and the mortgage was my ex wifes responsibility according to my divorce paperwork yet it shows up on my credit report as being late. I would like it removed from my credit report as it is aversely affecting my credit score.
I hired a public defender and was required to pay XXXX dollars. I filled out a form that they say was never received to give me an extension due to no work or reduced hours. I tried resolving this with the company and even called someone in the courts. Now because the time elapsed I owe XXXX dollars and this is on my credit report. I told them I have no problem paying the XXXX or even half of the XXXX, but they would not work with me. The collection company is called State collection services in XXXX, WI.
BBT sent you a false statement regarding my complaint on behalf of my parents. BBT has on file a certified copy of POA in which I have the ability and legal option to take care of and handle this matter. Therefore, my complaint still stands.I made a XXXX part payment to BBT totalling the loan amount. Instead they did something different. When I contacted them in person, BBT was to have reversed the payment, I have forwarded you copy of their statement of intent to correct, reverse the misapplied funds made to them in which it was to have been be applied to loan. Instead they applied it in error to something entirely different. When I contact the bank they assured me they would reverse the transaction. Yet they did not. They also have this loan listed as commercial loan which does bring about a higher rate of interest. Which is also an error. There was no late fee due, since the mod was newly executed and all payments were made according to the agreement. I made with them.. In order to make the agreement for my parents, I did have to have A POA which clearly shows they lied to you about not having the ability to respond to you. I believe they are predatory lenders and wish to have this matter reopened and a true investigation be started, XXXX in which what they say is investigated and I opportunity to respond.. I am XXXX XXXX, my parents are XXXX and XXXX XXXX and I have certified POA.
Hello my name is XXXX XXXX. I have not been with BB & T a full month, and the customer service I have received from their employees has definitely been distasteful. My last encounter I begged the account representative to transfer me over to an supervisor. He refused and threatened to hang up the phone on me. I stated multiple times can you please transfer me to a supervisor. It was when I asked him his name. He only gave me a first name and when I asked well since you wont release last name so that I could reference him in my complaint his employee number or anything to tie me back to him he wouldnt. He went straight to putting me on hold without saying anything and there I waited 10 minutes for a supervisor to pickup the line. Horrible customer service. 

I called BB & T because I was charged 5 overdraft fees. I spent {$15.00} more than I was supposed to but yet I was {$36.00} 5 different times. My account is positive when purchases go through, but I am still being charged overdraft fees, even though im technically not in the negative until the last purchase goes through. This should be illegal and a burden on their Customers.
Portfolio Recovery is calling relatives and spouses phone and claiming a credit card debt from 2010 long after statue of limitations. I find this debt invalid as original creditor is now my Car Loan and credit card company with valid updated accounts. Have informed Portfolio Recovery to stop communications via phone and email to no avail.
The property mortgage is in XXXX XXXX XXXX who is my deceased mom I am currently residing in the property and I want to maintain ownership of my moms house. I 've submitted several modification request to the current mortgage company after being unsuccessful with them not processing my request a property foreclosure sale date was set for XXXX/XXXX/XXXX. I contacted an attorney and he filed a injunction with chancery court of XXXX XXXX XXXX/XXXX/XXXX. XXXX and XXXX the foreclosure attorney moved forward with the foreclosure XXXX/XXXX/XXXX even though I had a signed order from the court not to foreclosure
When I graduated  in 2007 I  had 6 months to start paying on loans. After that period I was trying to consolidate my loans but was told I was unable to consolidate. Making my monthly payment just outrageous and un-affordable. This hurt me through credit, and hardship
When I applied for a loan with 21st Mortgage, the loan officer advised me that I needed to apply a different way and told me to do another app. Later I found that they ran a hard credit inquiry twice, one day after the other rather than referring to the first one. These hard inquiries are still affecting my credit score so I asked them to make a correction on my credit file and remove one. They were uncooperative and said I should have talked to the loan officer. The loan officer is exactly the person that told me to do this and caused the problem in the first place! Can you help please?
I keep getting negative collections on my equifax report anytime I try to go finance a car. It seems like it is almost deliberate and most of the accounts are not verified. All information related to the companies were not available or identified and are old.
My mortgage company, Roundpoint, increased my monthly payment due by about {$500.00} based on wrong property tax projection for the town of XXXX. They paid wrong amount to the town XX/XX/2016 and got refund XX/XX/XXXX from the town. Their escrow analysis for this year is based on the wrong amount they got refunded XX/XX/2016. Since I get tied of the mistakes they have made and overcharging for my escrow account, I requested the removal of my escrow account. They denied my request without justification. they stated that the loan to value ratio is greater that XXXX % but it is actually less than XXXX %. They also claimed that I have PMI, but currently there 's no PMI on my loan and I have not paid PMI out of my pocket. 
Customer service has not been able to answer to any of my inquiries and they don ; t allow me to talk to anyone who could answer to my questions and request.
First, this is so stressful and disheartening that as a consumer my rights are constantly being violated. I have been dealing with these issues for over 9 months. I am including ALL 3 BUREAUS IN ONE COMPLAINT!!! 
XXXX, had a MAJOR problem with stalling disputes by sending FRAUD DISPUTES LETTERS. I am sending these letters from MY HOUSE, Signing them and enclosing my identification. Exactly how on earth is this a FRAUD DISPUTE? DO NOT SEND ME THESE LETTERS AGAIN!!! I have filed several complaints with them with the BBB & CFPB they always reply with ( they need more time ) one time even replying that they were investigating a BANKRUPTCY. I HAVE NEVER FILED BACKRUPTCY. 15 DAYS IS MORE THAN ENOUGH TIME TO SEND ME INFORMATION REQUESTED OR REMOVE THESE ACCOUNTS. My biggest issue with XXXX is them verifying accounts and not sending me documentation of HOW they were verified. 
First XXXX I have contacted this company myself after disputing with XXXX and Transunion several times and asked them to furnish me with the same information they have furnished the credit bureaus because i KNOW for a FACT it is inaccurate. No response. XXXX  and transunion still tells me this account is verfied. It needs to be removed IMMEDIATELY. 

XXXX XXXX XXXX same with them. XXXX put the burden on ME to validate this debt with thr collection agency. They DID in fact submit me witb documentation for an XXXX XXXX. This account is NOT MINES and needs to be removed. 

I Also sent XXXX and the following collections agencies ( professional credit and credit bureau ) services letters stating that i felt that my hippa rights were violated. I requested a medical release form that i have NOT recieved. Under hippa my medical information is protected. XXXX  needs to remove ANY medical bills immediately unless they can furnish me with a medical release form. 

Also on ALL THREE BUREAUS the department of education is reporting several late payments on my account. An account that has been closed and transferred. They recently just updated this account with an 120 days past due warning. How is that even possible and this account has been with another agency over a year. This account needs to be removed from all three bureaus. 

This is exhausting that as a protected consumer i am getting all kinds of run arounds with MY CREDIT. This is causing me major stress and sleepless nights. This is my last letter before filing a lawsuit. I can not keep doing this back and forth.
I was a member of XXXX and I am still I was a customer of theirs I haven't paid them yet or lately due to health reasons but they never once reported me to the credit bureaus as promised to help raise my credit line and limit you never disclose that they told me that they would and it's never been done and then they kept hitting me with these every once every few months so I would like to either have them completely removed from my account and have my money returned to me that for false advertisement and I do see that 8th class action lawsuit was recently won back in 2016 for this very reason but I wasn't aware of it at that time either and I was using their service in 2016
XXXX XXXX is showing on my credit report as a authorizzed user but i never recieved and dont know what or who did that .. 
account XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, sd XXXX XXXX XXXX XXXX
XXXX XXXX, a manager at SOFI, told me on XXXX/XXXX/XXXX that my debt consolidation loan could not be cleared to close after I submitted the requested documentation to the company two weeks earlier. I was originally approved for {$25000.00} by SOFI and was trying to consolidated {$18000.00} of credit cards. SOFI requested my tax returns, since I am self employed, for XXXX and XXXX which I provided. Then they requested all of the schedules that I did not have. I called to ask which schedules, for personal or business returns, and the lady I spoke to said that since I received paystubs from my business, that I could just submit those for approval. I submitted my last XXXX paystubs by uploading them to SOFI and I called back to make sure they were received. Now a new rep said that I still needed to submit the schedules for the tax returns, even after I had been told that my paystubs would be fine. I called SOFI today and XXXX, another rep, said that they were still looking for schedules. I then spoke to her manager XXXX XXXX, and he refused to speak to my accountant that was on the line with me and was trying to see what schedules they wanted. This company is terrible in its customer service and lies to consumers about what is required for loan approval. The reps are not properly trained and tell you different things about the requirements because they are just reading off of the software for the client file but do not really know what is happening with files. The process is misleading and every person you talk to tells you something different. I have wasted a lot of time and I have been unable to consolidate my credit cards which are at very high rates. Managers are also terrible and extremely rude.
In XX/XX/XXXX, we XXXX learned that our mortgage payment had almost XXXX in XX/XX/XXXX ( I think XXXX but we were n't notified. We have been making our monthly payment plus an extra {$50.00} each month, but suddenly we are some {$2000.00}. delinquent and facing foreclosure. We get multiple phone calls from a machine and XXXX notices each week, but when we try to reply, we leave a message and get no response from a human.. I have sent numerous letters also. Being retired and having a recent XXXX XXXX, I cant afford financially or physically to pay what they now expect. I feel threatened and scared. I do n't know what to do at this point. I NEED HELP. I want to keep my house and have made monthly payments for over ten years, and now this.
Wells Fargo opened a credit card account that I said I did not want when I opened my checking account. Even after I closed my checking account, they kept my credit card account open without notifying me.
I disputed a collection account and received a letter dated XXXX/XXXX/2016 stating that the record would be deleted from all credit files. I just noticed that after deletion the trade line has been added back to my XXXX report. Please see letter attached. 
ALSO Equifax has my name listed as XXXX XXXX XXXX. That is not my name.
XXXX has 7 accounts open and all marked late while I am still in school, when these are suppose to be all in one account.
I have made serval attempts to dispute a debt with XXXX XXXX through all XXXX credit agencies. I have advised them XXXX times in the past XXXX days that this debt was made by illegally due to identity theft. The collection company has yet to remove this debt from my credit report.
I got a notice from Experion indicating information had been reported to them by a creditor. When I reviewed my credit report, there was an item listed from XXXX XXXX which indicated a past due balance. It listed the original creditor as XXXX XXXX. Since I have never had an account with XXXX, I disputed the information. Experion came back that they reviewed the information and determined it was accurate. Since it is not my account, it is obvious that they are completely incompetent to be in possession of sensitive financial information.
To Whom it may concern, I currently serve as an XXXX member in the XXXX. I am moving overseas to XXXX, and taken on debt, knowing Barclays contract of 0 % APR and no annual fees, to cover the costs associated with a move across the globe. I wanted to bring to your attention to a cancellation of Servicemembers Civil Relief Act ( SCRA ) benefits by Barclays Bank on their Mastercard Gold Card that will likely put many servicemembers, including myself, in a financial bind, and at the very least is an abuse of those servicemembers ' good faith and trust in Barclays as a financial institution and lender. In XX/XX/XXXX, I, along with many friends currently in my unit, opened a Barclays Gold Card with an agreement that the SCRA benefits afforded to me would include a 0 % interest rate on both old and new purchases, balance transfers and cash advances ; no fees of any kind, which included waiving the annual fee of {$990.00} each year and charge of {$290.00} for each authorized user ; and no collection efforts. After reading that the waiver of annual fees was withdrawn from the offered benefits on XX/XX/XXXX. Over the phone with Barclays, I was assured that I have these benefits until year XX/XX/XXXX. The customer service representative said " my entire lifetime, as long as I held the card. '' I would be happy to hold these benefits as long as I am XXXX. On XX/XX/XXXX, I received a memo stating the annual fee would now be assessed each year, and I will be charged {$990.00} dollars. I will be XXXX/moving out of the Country as an XXXX member, and have utilized my Barclays XXXX XXXX to cover costs associated with an overseas move. I am worried I can not afford to pay off my credit card before the annual fee is assessed, and therefore, putting me into an even deeper financial bind. Barclays should grandfather the annual fee waiver until my XXXX service is over, in order to give me time to pay off my {$15000.00} balance that I acquired to support my overseas move. I write because I know of countless servicemembers who were deceived by Barclays, offered extremely high credit lines, most in excess of {$25000.00}, with the promise of 0 % AP. I now face the decision to either pay the balance and close their credit card, possibly putting them in a position of financial hardship, or pay the exorbitant annual fee. I hope you can see why this is an abuse of both servicemembers ' trust and the spirit of the SCRA, which has long provided XXXX members and Veterans a piece of mind in making financial decisions.
Everything on my credit report is not me. Someone keeps getting loans and mortgages out on my credit and I do n't know how to stop them so I can actually use my credit MYSELF.
Experian refuses to remove an inquiry dated XX/XX/XXXX on my credit report on behalf of XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX who apologized for the hard inquiry ( I didn't give them permission to pull my credit ) and promptly submitted an electronic request to the three credit bureaus to remove the inquiry from my credit file on XX/XX/XXXX. XXXX and XXXX removed the inquiry within 30 days, and Experian did not. I contacted Experian SIX times between XX/XX/XXXX, and XX/XX/XXXX, asking for an update and trying to understand why they hadn't removed the inquiry. They replied they didn't receive the information from XXXX XXXX XXXX. I promptly uploaded a copy of the letter sent to me by XXXX explaining that they would send a request to the credit bureaus to update my credit file, and have had them resubmit the request over SIX times ( every time I spoke with Experian and they denied seeing the information ). Experian keeps saying they don't see the information from XXXX, every time I call XXXX they pull up the dates that they've sent the request. I'm at a complete and utter loss as these two companies keep having me call each other and they keep blaming each other for as the source of the problem. This is a complete violation of my rights, and XXXX did not have the right to access my report. Please help me.
USAA bank has been my primary bank fo r 7+  years, and the communication speed of their online services is very slow.