WillisBack/dataset-financial-user-claim huggingface dataset:
Someone hacked my XXXX XXXX  account and made an order on stuff that I will not by and sent me e-mail gloating about it. I did not know ebay had stored my debit card information. After disputing the charges with the credit union and card turned off, pay pay bypassed the deactivated checking and pull using an ACH from my saving account. One of the vendor agreed to a refund, the other one has not responded. Did a refuse delivery and return with the hacker wad putting the order in my name. The tracking shows the vendors got the items back. Strangely the XXXX account I used was closed and I have no access.
This is the letter that I wrote to Toyota Financial XX/XX/XXXX I am writing this letter in hopes of getting a better deal for what I am paying for. I have a XX/XX/XXXX Toyota XXXX. I first got the vehicle in XX/XX/XXXX. I have never missed a payment since having this car. I also had a XX/XX/XXXX Toyota XXXX XXXX   before this car and the payment was over 500 dollars but I never missed a payment. I have been paying a very large large amount for the product that I have. My payments have been over 500 dollars a month on both cars ever since I got them. Why do I have to continue pay such a large amount? Is that fair? both of these are used cars. and this last one why do I have to keep paying for 84 months? I know that I did sign both contracts but I really thought that this was because of my credit issues and I did really need a car desperately. I did try to give the last car back but it was past the 3 day limit and they said that they would not take it back. Since I have been paying faithfully and have not missed a payment. I just want a better deal. By the way since when did 84 months of paying a car start. Can't say that I ever knew about this trap that Toyota put me in but I hope that they will have some empathy and cut me a new deal that is reasonable for what I have been paying for. thank you. my account number is XXXX. My name is XXXX XXXX. My address is XXXX XXXX XXXX in XXXX XXXX California. ( XXXX ) XXXX
Dear Sir/Madam : I had/have Previously Submitted a Complaint/Request for Assistance, and the Consumer Complaint Number # XXXX, against XXXX XXXX XXXX XXXX XXXX, Loan Number # XXXX. On today, I received a letter dated XXXX XXXX, 2017, from Beneficial. 

That letter at Paragraph 3, references a Lien for XXXX XXXX XXXX, that Lien was disposed/avoided of in the Federal Bankruptcy proceedings, after the XXXX  XXXX XXXX did not challenge it by the Federal Bankruptcy Judge. Beneficial was provided a copy of that Court Order by my Bankruptcy Attorney ( XXXX XXXX XXXX ), that handled my case, after Beneficial refused to acknowledge the copy of the bankruptcy proceedings that I sent them. If Beneficial has provided you with a copy of the XXXX XXXX, 2017, letter that I just received from them, please note that they have omitted that document? I have provided as an attachment a Copy of that Court Order from Judge XXXX for you to review. How is it that Beneficial forgot to provide that document to you, this in itself is the whole basis for the Complaint against them. Beneficial has willfully and knowlingly not submitted documents that prove that I am right. Additionally, XXXX XXXX has never submitted any documents, be it letter or Confirmation from XXXX XXXX XXXX that Lien is still Valid. I also contacted the XXXX XXXX of XXXX XXXX, which handled the bankruptcy proceeding on XXXX XXXX XXXX 's behalf. In view of this information and the statements made by XXXX XXXX XXXX XXXX, in that letter dated XXXX XXXX, 2017, they must provide proof of whom and when they spoke with at XXXX XXXX XXXX, time, date and Phone Number, so that Debt Lien can be acknowledged. 

XXXX XXXX XXXX XXXX, must not be allowed to Pawn this off on " XXXX  XXXX XXXX, XXXX, as they had nothing to do with the information being provided by XXXX XXXX XXXX. As you now have the Court Order that Beneficial did not provide you with, and no way of knowing who from Beneficial spoke with whom at XXXX XXXX XXXX XXXX and when, that needs to be resolved in writing by XXXX.
I am a customer at Citibank and have been with them for over 20 years. On XX/XX/XXXX-XX/XX/XXXX my ATM debit card was skimmed as I noticed unauthorized Transactions on my card in the following amounts XX/XX/XXXX {$200.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} Since I have a daily withdrawal limit they were not able to take out more than {$500.00} a day. 
I immediately on XX/XX/XXXX around XXXX reported it to the bank and informed them of what had occurred. Subsequently I also told the bank that the card was in my possession and that I had not given it to anyone or shared my pin. A case was opened up for investigation. My initial request for a refund was denied stating the fact that I had not logged a police report which I was told at the time by customer service was optional. On XX/XX/XXXX. I filed a police report and informed the bank about it and faxed in the details of the report to Citibank. I also filed an appeal which was also subsequently rejected. I asked to see the ATM video and was told that I couldnt see it and again was rejected stating that since the card was in my possession that the charges were not fraudulent. I have not received my money back and I want to see the ATM video to prove it was me who made the withdrawals.
In 2013, I open a M & T account for direct deposit. Without notice, a lawyer somehow put a freeze on my checking account. I was n't aware of the freeze until I went to use my check card. I was not given any notice that my account was going to be put into a freeze status. After I went to court and explained to the judge what happened, he released the freeze from my account. I closed the M & T checking account because I was not happy with the way they put my account into freeze without letting me know first. Later, I was charged by M & T bank for extra fees for some very small unauthorized charges. I 'm not sure what these charges for or why they were put on my account, but I was held accountable for them being charged {$38.00} fee on a {$1.00} charge, etc. This was done three times for very small charges. I was n't made aware that I had a balance until I went to have my name added to account with my husband at XXXX XXXX this year. XXXX XXXX would not allow me to establish a joint checking account with my husband because they said I had an outstanding amount to pay at M & T. I need these charges to be investigated because I feel they were unrightfully charged against my account at M & T and wrongful bank fees were applied giving me a negative rating with XXXX XXXX  for minor unauthorized charges.
yes on XXXX I open a checking account with Citibank the will not help me with my issue I have called the customer service number multiple times and gone into three branches with my California id and Citibank debit card and social security card the clam I am a frudulant and will not help me this is XXXX as I have an account and can not access my own money either through my debit card or online
After being alerted of the XXXX personal information leak I tried to set a credit freeze at the three big credit reporting companies. One of these companies, TransUnion, buried their link to the credit freeze service behind multiple pages and ads for their own " credit security '' service, making it very difficult and confusing to freeze my credit. On top of this, they are blatantly abusing their power by charging a fee to freeze my credit after this massive leak, which can be said for XXXX as well. This is not a run-of-the-mill identity theft case. It is a massive breach of personal information, and these companies already stand to make billions of dollars from credit freeze fees alone. There is no reason for them to be pushing their own services to take advantage of people in vulnerable positions.
I rented a car from XXXX on XX/XX/XXXX at the XXXX, airport, XXXX. They verified my Drivers License issued by the Illinois state in USA, my USA passport & XXXX Credit card and noted the details on my Rental contract. 
I was not provided an English translation of the Rental Contract, most of which was written in XXXX and I have no knowledge of the Spanish language. I spoke to them in XXXX only when renting the car and them very well knew that I could not read most of the terms and conditions written on the back of the contract. 
On XX/XX/XXXX while driving in XXXX I was stopped by the police for holding a cell phone in my hand. I was not using the cell phone. I produced my Drivers license and passport as requested by the XXXX police. XXXX police issued me a citation for driving in XXXX without a valid international driving license and seized my car. I immediately called the XXXX personnel and they spoke to the XXXX police personnel. XXXX police communicated to me that XXXX should not have rented the car to me without a valid driving license to drive in XXXX. 
Centauro personnel rent cars to numerous individuals everyday .Centauro personnel are required to only rent cars to individuals who are eligible to drive. They are all citizens and/or residents of XXXX and expected to know the XXXX law better than a foreign tourist. 
XXXX and its personnel have willingly encouraged me to break the law by renting me a car when they were fully aware that I did not have the valid documents to drive a car in XXXX. XXXX and its personnel have intended to benefit from renting a car to an individual who was not eligible to drive in XXXX. XXXX and its personnel have intended to benefit from actively encouraging an individual to break the law of XXXX. I am sure XXXX has actively encouraged numerous foreign tourists by renting them cars without a valid drivers license to drive in XXXX and profited from it enormously. 
Will XXXX or its personnel ever rent a car to a local kid or a local adult without a valid driving license to drive in XXXX? They just intended to benefit from defrauding and cheating a gullible foreign tourist. 
Centauro along with Bank of America Visa is trying to fleece me for the illegal rental transaction and including gas not consumed, citation, administrative charges amounting to USD XXXX. The actual rental amount due is less than XXXX XXXX XXXX and its personnel not only encourage a innocent foreigner to violate the XXXX law, but also want to further financially exploit the victim.
See case number XXXX. This issue has never been resolved or addressed by BofA. I have submitted the complaint twice and still no resolution. XXXX XXXX called and left a voice mail. I called her several times because she never returned my calls, which is why I submitted a second report. She finally called and said she had been out and would get back to me. I 'm still waiting. The complaint shows open. This has been going on since XX/XX/XXXX. I want a satisfactory resolution and I want a phone call from someone telling me what you can do, not what you cant do. I will keep writing until this is resolved to my satisfaction.
This company ( I C SYSTEM INC Account XXXX ) is stating that I owe XXXX XXXX XXXX. 
I never had an account with XXXX XXXX XXXX. 
I have disputed this item before and had it taken off my credit report once. 
This is the second time they have submitted that I owe them. 
My attempt to reach out to the company failed they did not answer the phone. ( XXXX ) I have disputed with XXXX  and this time they have verified this as accurate so it is still showing on my credit. 

I dont understand if this was disputed before and taken off how can they ( I C SYSTEM INC Account XXXX ) put it back on my credit. I fell this is harassment. 
Please advise
I have repeatedly asked for validation of this debt from XXXX yet never received paper work showing that I had a signed contract with them as well as what all the charges are for. When view results keep saying that it remains.
Huntington Bank took over XXXX dollars from my accounts and left me with a XXXX balance with no warning or notification. The representatives were very rude in informing me that the money was taken for an offset from the previous year. This left me in a very precarious situation as I was unable to maintain costs for work and home.
I used Bank of America XXXX to pay an individual on XXXX/XXXX/2016. The online system said that the XXXX should receive the check 2 days after my electronic instruction ( receipt by XXXX on XXXX/XXXX/2016 ). Since it was for payment to an individual, a paper check was sent in the mail by the bank. I got a call today XXXX/XXXX/2016 from the XXXX wondering the whereabouts of his money. I told him that I presumed that he got my check and cashed it since my account was debited the {$200.00} owed on XXXX/XXXX/2016. After some searching by the XXXX, the check was located today at XXXX 's company. He will deposit the check today. However, I question why my account was debited in advance of presentment and payment of this hard copy check. So, I called Bank of America to find out why. They told me that when I send money to large institutions like mortgage companies or utilities, they usually accept wire transfer payments so if the instruction is sent today, they receive their money as a wire transfer tomorrow. For hard copy checks that are sent by the bank, the amount is debited from the XXXX 's account on the day that the XXXX system estimated that the XXXX would receive the check. Had I written out a check myself and put it in the mail, my account would only be debited at presentment and payment of the check. I asked B of A if the Payee had died in the interim, would my account have been permanently debited the {$200.00} and B of A would have been {$200.00} richer. They informed me that if the check was not cashed within 90 days, they would refund those funds to my account. Well, it appears to me that the bank is using my money for up to 90 days for free while I do n't have access to that money for up to 90 days. I would also question whether the bank 's system is smart enough to ensure that after 90 days my uncashed check would be credited back to my account. It was at that time that I expressed my dissatisfaction with their internal policies and that the process was unfair and heavily weighted toward the bank 's advantage. It is at that point in the conversation that they offered a solution -- which was to treat my outgoing hard copy checks as " draft only '' checks ( I would presumably have to know enough to ask for and receive this preferred treatment of my funds ). They assured me that these " draft only '' checks would not be debited unless and until the check was presented for payment and paid. 
So here is my question : Is this a legal practice in which banks may choose to engage? Because it seems to me that this is just another way to manage the " float '' at the general public 's expense. Instead, the banks treat these funds as if they were already theirs. Can you please enlighten me on the legality of this practice? Thanks in advance. 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX cell
GREETINGS TO YOU, XXXX XXXX XXXX REGARDING THE ABOVE CASE NUMBER, I SENT TO THE FEDERAL TRADE COMMISSION AN ID THEFT MATTER REGARDING XXXX ON MY CREDIT REPORT 3 WEEKS AGO. 




REGARDING EQUIFAX , XXXX AND XXXX, I REPILED TO THE FEDERAL TRADE COMMISSION. 




I PLEASE NEED FURTHER ASSISTANCE WITH THE CREDIT REPORTS ABOVE AND YOUR SENT TO THE FTC. 




I WILL RETURN A CALL TO YOU OFFICE AFTER THE FEDERAL GOVERNMENT HOLIDAY. 




RESPECTFULLY, XXXX XXXX XXXX
I had a problem with my hazard insurance earlier this year. M & T Bank said they resolved the issue by refunding my money. I just received a notice from M & T Bank that they are AGAIN trying to put hazard insurance on my account.
I detected a fraudulent charge on my card and reported it immediately ( w/in a day of the charge ). Chase ( the issuer ) reissued my card then proceeded to bill us for the charge. Only a second call and a lot of run around got the charge reversed. They acknowledged that they knew the charge was fraudulent, claimed to have made a mistake, and just claimed ( again ) to have corrected it. Creating confusing and complicated barriers to a fraud claim seems a clear attempt to profit from criminal activities and ( needless to say ) violates the terms of our credit card agreement.
Today XX/X/17 they called me then called my sister saying they have issued an arrest warrant for me cause payment bounced and it 's been months
I have spoken to  XXXX  at this company several times and come to find out, she is recording my phones calls without telling me that they are recorded. I found this out through another customer that is having the same issue with this company. This company has used scare tactics and threats to me and my husband. I have repeated several times told this company that my husband and I do not have money to pay and I have even sent them documentation proving my  XXXX  status with Social Security and my husbands status. They still are pursuing us and making threats, the last phone conversation I had with  XXXX , she recorded it and did not advise me of this, or the fact that this was attempt to collect debt, never have they said this to me during any of our phone conversations. This company is using unfair collection tactics that are against the law and I would like them investigated please. I have heard countless stories about them and I also have my own experience. I have been in contact with an Attorney and will file a law suit for this unlawful behavior. I have told this company and even provided document to further prove out financial situation. We are filing Bankruptcy in a very short order and I have also told them to stop contacting me and I still get emails from them.
i Purchased a {$60.00} Toy on my ( HHGreg ) Credit Card in XX/XX/XXXX and i returned in 2 weeks, Store Customer Service ( Returned item Cashier ) made mistake and returned {$60.00} to my Different Credit Card instead returning Back on ( HHGreg ) Same Card i realised in XXXX some time then i started Calling to Store and Credit Card Bank ( SYNCB ) and amount became XXXX HHGreg they Shut Down all their stores, and ( SYNCB ) don't want to Cooperate. i have tried with XXXX and XXXX Customer Service referred me to XXXX now please i request help from you guys i should not be penalized for something i did not do. i always wanted to pay original amount but no body listened to me. 
please help : :
On XX/XX/2018, I notified Trans Union by Certified mail, that I was disputing XXXX/XXXX, XXXX XXXX, and XXXX. To date, Trans Union has not responded within the 30 days as required by law to validate this debt. They are in violation of the FCRA and FDCPA
Student loan with Navient increased from XXXX to XXXX after 11 years without any notice. 
Never recieved documents or disclosure on repayment loan. Paying every month, but they are reporting non payment to credit bureaus. Calls are met with insulting and rude people. 
On hold for long periods of time without anyone picking up the call. Takes days and hours to get unhelpful responses.,
In an effort to have this collection agency validate this alleged debt I disputed ir thru the credit bureau. Within 48 hours ir came back as verified from the company Credit Protection Association. I asked how was the account verified? I have not received any written copy of the validation. I proceeded on and filed 3 cimplaints rhru the BBB each time this company refuse to send me validation of the alleged debt and state in their response that they do not have any information on me.
JH PORTFOLIO DEBT EQUITIES , LLC et al. are continuing to report unverified, inaccurate, invalid, derogatory, and defamatory information about me. As a result, XXXX XXXX XXXX XXXX, dba, Chief Executive Officer, for JH PORTFOLIO DEBT EQUITIES , LLC, received three NOTICES OF DISPUTE AND DEMAND FOR VALIDATION and have ignored and/or otherwise have not provided validation or answer. XXXX XXXX XXXX XXXX, dba, Chief Executive Officer, and JH PORTFOLIO DEBT EQUITIES , LLC have not provided a consumer contract bearing my signature, nor has the collection agency answered any of demands in my disputes letters.
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, and Chapter XXXX Bankruptcy Discharged XXXX
I have been requesting verification of the following account that Equifax continues to report on my credit file chapter XXXX bankruptcy and chapter XXXX bankruptcy. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. On XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Agent XXXX and he informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On XX/XX/XXXX, I also contacted the number listed at the bottom of my XXXX XXXX confirmation paper XXXX and spoke to Agent XXXX and she also advised me that my security freeze was confirmed and set into place as of XX/XX/XXXX. She also stated that there is NO inquiry from Equifax or mode of verification from XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/XXXX.
SOS Loans, LLC has a public record listed on my report as of XX/XX/XXXX. I was never served with any paperwork leading to this judgement. As soon as I saw this on my credit report I called and made arrangements but they refuse to remove from all XXXX credit bureaus. Even though they lied in court to get a judgment i was never notified about. My husband was tragically killed in a car accident on XX/XX/XXXX. I have XXXX children & no life insurance policy for him. I 'm not or never have i ignored there letters but i never received anything from sos loans inc
Ally has now decided to manipulate my credit report, the proof I will attach clearly demonstrates abuse and they should be fined for this. Companies should not be able to manipulate you in this matter.
I APPLIED FOR A CREDIT CARD ONLINE, ON OR AROUND XX/XX/2016. I WAS TOLD I WAS APPROVED FOR A CREDIT CARD AND WOULD MUCH LIKE TO DO BUSINESS WITH THIS COMPANY. I HAVE CONTACTED THE COMPANY DIRECTLY AND VERIFIED MY IDENTITY, DUE TO AN ALERT ON MY CREDIT. AS OF XX/XX/2016, I HAVE HAD THE ALERT REMOVED FROM MY CREDIT FILES, TO AVOID ANY HINDERING OF THE APPROVAL OF MY CREDIT CARD APPLICATIONS. I HAVE TRIED CONTACTING THE COMPANY AGAIN OVER THE PHONE, BUT TO NO AVAIL. MY CREDIT SCORE RANGES BETWEEN XXXX AND ABOVE. ONCE AGAIN I HAVE PROVIDED MY PERSONAL INFORMATION, INCLUDING NAME, SS #, DOB, AND ADDRESS, TO THE COMPANY VIA PHONE.