WillisBack/dataset-financial-user-claim huggingface dataset:
I had 3 fraudulent charges placed on my account on XX/XX//2019 in the total sum of {$740.00}. I received a notification from the bank, Barclays, about unusual activity, so I immediately called Barclays. They agreed to dispute the charge and send me a new card. I received the new card, but Barclays then told me that their investigation showed the card 's chip was used in the transaction, so they believed I used the card and refused to remove the fraudulent charges. I called them two times and was told the same thing both times.

However, two other credit cards of mine from different companies were also used for fraudulent activity on XX/XX//2019 during the same time period, but the other two banks, XXXX XXXX and XXXX, both removed the fraudulent charges without issue.
I currently have two auto leases with TFS. Due to a XXXX of my father, I had to change the way the payment was drafted. Once this change was made, they began applying payments to my XXXX, when they were intended for the XXXX. The XXXX ended up have multiple 30-day late reports on my credit. Backup information was supplied to TFS.
My student loans used to be managed by XXXX before being transferred to Great Lakes upon relocation. XXXX mismanaged my student loans and Great Lakes has done the same when they took over. My student loans should be forgiven as a result. I do n't think the loan balance and interest is correct and it has caused hardship to me and my family.
Same old same old- just recording for legal purposes.  Information never correct even after dispute. I check with lenders and they CLAIM they have rectified it.   XXXX   did not allow me a dispute again. Lenders claim they " were '' not notified by  XXXX . My core has not gone D O W N even with numerous corr ections.
I have been trying to work with XXXX. XXXX since XX/XX/2018 to get the MI off my house. They have passed me around several times and nothing has happened ; no help, no responses and no action. I was originally told by a manager that a 3rd party would call me for new appraisal and nothing, the number I was calling no longer worked for that manager. I then requested for my MI to be removed through their email process months ago as well. Generic response with no help, I emailed them back with more information and no response. For the last 6 weeks I have been trying to work with Al XXXX XXXX. for home lending and nothing has happened. I have received 1 email saying he is working on it at week 2. I have called,  left messages and emailed with again no responses. My loan has no waiting period and the MI can be removed. This has now cost me more than the cost of a new appraisal which I was told at first my upgrades would prove enough and wouldn't need, then later was told I would need. I agreed and nothing has happened still. This company in my experience is a joke and has done nothing to service my loan. 
I have phone records and emails to show my interest in the MI being removed and almost nothing in return.
Negative info is about an account with XXXX which I never open never asked and never sign a contract with them and I never used their service. The amount is {$330.00} Second negative is about an utility bill for {$68.00} for a rental that I never received and I payed after I find this in my credit report.Ater the payment I ask the collection agency to change the info in the credit report and mention that was a mistake as a result of miscommunication. 
They refused.
I have an account at Usaa I called them on XXXX XXXX when XXXX had a data breacher with me being a federal employee I was advise to take procaution so i called them on XXXX/XXXX/15 asked them to close my account ending in XXXX. I open a new account ending in XXXX come to fine out they didnt close it and alot of ach payments tried to come through and they charged me XXXX for everyone that tried to come thruogh amounting in XXXX Now they have closed that account and put holds on all my other accounts with me not being to recive my direct deposit until that is paid
THERE WERE SEVERAL CHARGES ON MY NETSPEND CARD THAT I DID NOT AUTHORIZE THE CHARGE OR THE PURCHASE THREW A INTERNET. I BELIEVE MY LAPTOP GOT COMPROMISED AND HATCHERS GOT MY CREDIT CARD NUMBERS. I HAVE FILE A COMPLAINT WITH THE IC3.GOV AND WITH LOCAL AUTHORITIES. HERE IS THE LIST OF MERCHANTS THAT CHARGED MY CREDIT CARD FOR SERVICE AND PRODUCTS THAT I DID NOT ORDER OR AUTHORIZE THE CARD TO BE CHARGED. 
Transactions included in this dispute If you have additional transactions to dispute, that are not listed here, please contact Customer Service. 
Special Note : When you file an unauthorized transaction dispute we require the affected card ( s ) be blocked to protect your account. We will show you options for replacement cards once you finish filing your dispute. 
Transaction Date Description Amount XX/XX/XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX XXXX XXXX US {$15.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8.00} XX/XX/XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX XXXX # XXXX XXXX XXXX {$28.00} XX/XX/XXXX XXXX # XXXX XXXX US {$47.00} XX/XX/XXXX XXXX XXXX XXXX {$6.00} XX/XX/XXXX XXXX   XXXX XXXX {$49.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8.00} XX/XX/XXXX XXXX XXXX XXXX {$1.00} XX/XX/XXXX XXXX   XXXX XXXX {$1.00} XX/XX/XXXX XXXX  XXXX XXXX {$24.00} XX/XX/XXXX XXXX XXXX XXXX {$1.00} XX/XX/XXXX XXXX XXXX XXXX AXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX XXXX {$20.00} THANK YOU VERY MUCH FOR YOUR TIME AND CONCERN ON THIS MATTER.
American express reserve issues debit cards based on email verification, not a real identity of the person like social security number.I received a debit card sent by a scammer and I deposited {$500.00} towards comcast service for 5 months as a promotion.Scammer even sent me all details about comcast services and when called the number it said XXXX menu. 
Actually scammer filled my information and gave his email and when american express sent him email confirmation, he clicked and got approved a debit card for XXXX without depositing single penny. I Can not imagine opening an account without real identity of the person. 
American express reserve agent informs me that debit cards are not fraud protected and buyer be aware.Why is american express is allowed to issue debit cards based on email verification.This is a perfect recipe for scammers and terrorists to transfer money, if american express can not trace the XXXX XXXX. 
your agency should take action against american express as it is the part of the problem anddamages are enormous and irriversable.. 
Is it a fact that debit card purchases are not protected from fraud, as they claim.? 
I do not find that in the accompany rules, it promotes direct deposit of salaries, incomprehensible that this fraud is allowedIf not please let me know I will pursue with american express. 
XXXXXXXXXXXX
XXXX XXXX XXXX Last reported : XX/XX/2018 {$21000.00} This account is closed and is part of a payment plan,
I modified my mortgage. I had my own home owners insurance and Chase added their mandatory insurance. Chase refused the payments for the amount stated both in my modification and on my statements. After speaking to several reps XXXX rep stated the modification was not executed properly on Chases end and they would fix it, by sending out new docs. Docs were never sent and Chase started foreclosure process. Chase agreeed after filing bankruptcy to allow me to make 12 months of payments and then Chase would reinstate my mortgage, once again Chase refused the payments all paymenys were sent in money ordes to the forclosing attorneys office, as directed by Chase. Five months into the agreement Chase is trying to record a foreclosure from XXXX five months prior. They also told my insurance I no longer own the home and to cancel my insurance while Chase once again added its force home owners insurance.
Letters were sent to the collection company asking to verify the debt they claim belongs to me. I have received letters saying it 's a verifiable debt but when asked for proof they send me copies of a bill. I havent received anything shows by that I signed for or agreed to pay this debt nor have I received information letting me know that I am responsible for this debt. Every time I ask for this proof they re age the account on all XXXX of the credit bureaus with an updated ( current ) date.
The lender sent a collector to my house 3 times in one week which I consider harassment. The paper that he gave me does not tell me who the original creditor is nor what the debt is for, I consider this gross harassment. Further they have not shown me any proof that the debt is valid or how they acquired it.
once again I am complaining about my mortgage company OCWEN they are the worst company on the face of the earth! 
I have said it before and I will keep saying " they are spread out too thin to be effective '' they have offices in XXXX and the when they send out information it always comes from their XXXX XXXX XXXX Florida office. their left hand does not know what their right hand is doing. I call their toll free number from my residence in the United States I should be connected to some one in the United States NOT XXXX!!!!!!!!!!!!!!! 
XXXX does not understand and they do not have up to date records payments go to a US address in XXXX XXXX Illinois as another office, they are spread too thin. They do not credit payments when they are received so they can charge a late fee.
On or about X/XX/2017, I reported five credit card fraud transactions to Wells Fargo Bank totaling approximately {$4000.00}. I stepped into a XXXX XXXX and reported the fraud. All but two transactions were removed. Those two transactions, totaling {$790.00} were posted to my new card. It was subsequently determined that there was a breach in the Wells Fargo security and the bank determined I suffered from an account takeover. I reported again that these two transactions were fraud. The bank started an investigation and indicated that they determined they were legitimate transactions. I faxed a request for them to reconsider their decision and they reopened an investigation. In the meantime, I contacted the Wells Fargo fraud department and we determined that a " fraudulent '' fraud report was generated at the XXXX XXXX branch on X/XX/2017. The fraud report contained " fake '' fraud disputes of transactions of {$10.00} or less since XXXX 2017. These were legitimate charges. This is useful since I made credit card payments " validating '' these fake fraud disputes since XX/XX/XXXX. When the real fraud dispute occurred in XX/XX/XXXX, I had made no payment since XX/XX/XXXX ; however,  the history of making payment against " fraudulent '' fraud claims made the bank rule against me and forced me to honor the large transactions.The bank employee that filed the " fraudulent '' fraud report no longer works there. I believe she was part of the scam ( knowing the bank business rules about paying on disputed claims ) and Wells Fargo know this and wants to cover up by sticking me with the bill. Wells Fargo has refused to provide a copy of the fake fraud report generated on X/XX/2017. They also indicated in their rejection letter that no new information was made available. This is not true since we determined that fraud claims on transaction prior to X/XX/2017 were fake.
On XXXX XXXX I attempted to send {$1000.00} to a person via Bank of America mobile banking app from my XXXX with the app BoA provided to me. I sent the money to a telephone number, one of 2 choices the other being an email address. This was a domestic transfer to a person that provided me with a service, boat transport. BoA sent the money to a foreign account, unknown to me, they do n't provide any infomrmation. The person I sent the money to has no foreign accounts. I provided no banking information for the person that was to receive the money, only a phone number. They have had their number for well over 10 years, not a new phone number. BoA claims they followed my instructions so they are blameless. They clearly did not. They found the incorrect link to a bank account, not me. This is not the first online problem with BoA in the past 9 months but the only one this complaint is concerned with. 
They clearly need to return the fraudulently transferred money. 
Claim number XXXX. 
Account ending in XXXX. 
XXXX XXXX XXXX
account was closed on ( approximately ) XX/XX/2018 - US BANK - XXXX all problems surrounded three transactions on XX/XX/2018
Hello my name is XXXX XXXX, I am an authorized user to speak with. My partner XXXX XXXX is being harassed, threatened about a fraudulent debt. XXXX is an XXXX in the United States XXXX. XX/XX/XXXX was to be his last payment of {$450.00}. First Hawaiian Bank if accusing him now of owing an additional {$1600.00} due to late fees & interest accrued on those late fees and if he did not pay in full they would tow the car on XX/XX/XXXX. He was offered a " deal '' that he must now agree to pay {$450.00} per month until XX/XX/XXXX. We have proof via XXXX & XXXX stating that since XX/XX/XXXX he has paid on time & as agreed. We also have XXXX statements showing the allotment going out each month. 

Prior to XX/XX/XXXX he had been behind on payments. He spoke with XXXX at First Hawaiian Bank & received a 4 month deferment because he was willing to set up an automatic allotment. His original payoff date was XX/XX/XXXX. With the deferment it became XX/XX/XXXX. He was told upon asking that due to the deferment he would owe no late fees or added interest for the 4 months being deferred. He was also told his payment would not change. XXXX asked XXXX if the allotment which pays out on the XXXX for the military would be alright with his pay dates. XXXX stated it was alright and if there was a problem he would submit the paperwork to fix the issue for XXXX and not to worry. 

XXXX has not heard from First Hawaiian Bank regarding any issues since XX/XX/XXXX when he spoke with XXXX until XX/XX/XXXX. He received no letters at all, no mail, no notices. On the XXXX he started getting the harassing phone calls, even while at work. I believe he is being the victim of a predatory bank simply because he is in the military and stationed in XXXX rather than XXXX. They are threatening his very livelihood and military career as he would lose his clearance level if they repo the car. 

Desired Resolution : First Hawaiian Bank cease and desist with all harassment. Give a formal apology to XXXX. Drop all fraudulent fees immediately. First Hawaiian Bank will honor the original agreement as was put in writing, stating once the allotment was in place XXXX would have no late fees, no added interest, and final payoff would be XX/XX/XXXX in the amount of {$450.00}. First Hawaiian will mark loan as paid in full and release title to XXXX. 

In summary First Hawaiian bank has the original documentation by XXXX stating all was taken care of, the allotment would be fine as it was, keep original payments of {$450.00}, there would be no late fees or additional interest. The loan would be deferred and therefore extended to XX/XX/XXXX the pay off. We have documents from XXXX different credit agencies showing that First Hawaiian reported XXXX as paying on time, as agreed since XX/XX/XXXX after speaking with XXXX and setting up the allotment. We have XXXX statements showing the allotment for the payment. We have received no written notices, only harassing, threatening phone calls. We wish it to stop and for XXXX to pay off his loan XX/XX/XXXX as agreed and be issued his title showing free and clear as well as loan documents stating paid in full.
In my family we have three generation ; many creditors and bureaus tend to use the wrong person. What I dont understand is how it happens so frequently. I have a Wells Fargo credit on my credit report that doesn't belong to me. However, the credit card was open was open by the third generation. This issue was reported XX/XX/2018.
On XX/XX/2018 I filed a formal complaint with Equifax that they are reporting inaccurate credit information. I demanded to see VERIFIABLE PROOF ( an original consumer contract with my signature on it ) about these accounts because according to FCRA Section 609 ( a ) ( 1 ) ( A ), they are required by Federal Law to verify, through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT, any and all accounts that they post on a credit report. Equifax simply responded by updating those accounts as verified and accurate and NEVER sent me this verified proof that I demanded. There is also a XXXXXXXX XXXX and XXXXXXXX XXXX inquiry on my report that doesn't belong to me.
XXXX XXXX XXXX is falsely reporting our previous mortgage with them as having been " discharged in a chapter XXXX bankruptcy ''. Our mortgage was not discharged. In fact, we modified our mortgage through XXXX XXXX XXXX ( which we lodged a previous complaint XXXX ) wherein XXXX  XXXX XXXX constantly played games of sending out paperwork late and stated it did not receive them. 

In any event, our mortgage with XXXX  XXXX XXXX was NEVER discharged in a bankruptcy. It was modified and paid on time. Thereafter, it was sold by XXXX XXXX XXXX to XXXX XXXX now known as XXXX XXXX. 

I have called XXXX XXXX XXXX customer service department and loss mitigation department regarding the reporting and yet it still is being inaccurately being reported as being discharged. 

I have attached proof of the transfer of the account from XXXX XXXX XXXX to XXXX XXXX.
Chase 's poor service and actions have led to credit score being below XXXX. Chase long drawn out process affected getting loan refinancing and loan modification causing great hardship. Chase also had me pay off and close XXXX XXXX to apply for loan refinancing which also negatively affected my credit. I had a cosigner that is a XXXX XXXX and had more income {$75000.00} than I owed on my loan. Chase never can be reached calls go to voicemail!!
I continue to get calls from a company called ASI that claims I had a debt with a company called XXXX. The phone number I have for them is XXXX. I do not recall ever doing business with a company called XXXX. Additionally, I do not, to the best of my knowledge, have any past due debt with any company.

Before proceeding with the several of the calls, I indicated that I will not provide them information on myself, nor will I discuss any debt, until they send me written confirmation of the debt so I can validate this is authentic. I have instructed them to send the documentation to the address they have on file for the debt, since I will not provide them any information on myself since I believe this is fraudulent.

The company refuses to send me any documentation and continues to call me 1 - 3 times per day. This has been ongoing for approximately 4 months.
I noticed an unusually large number of unauthorized inquiries on my Equifax, XXXX and XXXX   credit reports. 

Via certified mail, I submitted a FTC identity theft report to each credit bureau along with a copy of section 605 of the FCRA and a copy of my drivers license so the inquiries would be blocked within 4 days of receiving the letter per the FCRA criteria. I have proof the letters were received by each credit bureau on XX/XX/ 2019. 

It is XX/XX/ 2019. As of today the inquiries have not been blocked per the FCRA regulations.
XXXX XXXX is the credit card issuer for XXXX clothing retailer, the XXXX XXXX card. Back in the XXXX, my son, an authorized user on my XXXX charge account, lost his credit card. I contacted XXXX to notify them of the lost card and to request a replacement. It took them two weeks to respond to the lost card communication, and they never replaced the card. I reached out to their support several times for a replacement card, and I was promised on two occasions that a replacement would be sent within 7-10 days. No card was sent. In XXXX, I lost my XXXX XXXX card, and I reached out to XXXX for a replacement. Weeks went by without a response. Finally, on XX/XX/XXXX, I received an email from XXXX saying they couldn't replace my card because they were unable to contact me. All of my telephone numbers, emails, and mailing address are all accurate, and no attempt to contact me was made by XXXX. Furthermore, they ran an additional hard inquiry credit report without my permission as a part of the card replacement process. When I told their support team I would be filing this complaint, suddenly, they became more cooperative. They indicated they would escalate my request to a manager to resolve. On XX/XX/XXXX, I got yet another email saying the issue had been escalated, and " someone '' would reach out to me within 7-10 days. XXXX XXXX is not taking customer service seriously. They are not taking lost cards seriously. They are not doing their due diligence, and customers plus retailers are suffering because of it. I've requested the CFPB to publicly post my complaint so other customers and retailers know XXXX will NOT take care of them. All I want is my lost card replaced so I can make purchases.
My company closed and I was laid off work 2 yrs ago. I paid my debts as long as I could until money ran out. I was not able to pay my XXXX card last year. Calvary Portfolio assumed the debt. In XX/XX/XXXX, I started working again. I called Calvary Portfolio to see about paying my debt. By the time they sent me settlement letter in XXXX, the debt was moved to XXXX XXXX XXXX, XXXX. I contact them for a settlement letter. I finally receive one after calling several times. I try setting up payment arrangements online in XXXX. After going back and forth with them for a month, they finally tell me the problem is, they no longer have my debt, nor account. I need to contact Calvary. After repeated emails and phone calls, Calvary just won't respond. I finally hear from Calvary in XX/XX/XXXX after having to open A XXXX  complaint. They tell me my debt is now with XXXX XXXX XXXX lawfirm. I repeatedly call and email them with no repose. I open a XXXX complaint with Calvary in XX/XX/XXXX. They tell me they authorize this law firm to work with me on their behalf. I get in touch with XXXX XXXX at XXXX XXXX XXXX. We agree to settle on {$140.00} per month, for 12 months. She said she was mailing something in the mail this week. To date, I have not received anything from her. I have numerous phone messages over the past 2 weeks since I only get voicemail. They say they will return a call within 1 business day, but they never do. I open another XXXX  case against Calvary but I'm told it does not meet their criteria. Calling Calvary does nothing. I can't get through to anyone. What do I do? Not to mention, if you XXXX XXXX XXXX XXXX lawfirm, a lot of people are saying it's a scam and ripoff company, so I'm even more fearful of sending them any money.
I SUBMITTED PAPERWORK TO XXXX AND TRANSUNIONON A NUMBER OF OCCASIONS. TRANSUNION DELETED IT AND THEN PUT IT BACK. THEY KEEP TELLING ME ITS BEEN VERIFIED, WHICH IS IN CORRECT. THE THIRD PARTY VENDOR THAT THEY CLAIM TO HAVE VERIFIED DOES NOT HAVE INFORMATION ON ME BECAUSE I HAVE OPT OUT, THEY CAN NOT VERIFY ANY INFORMATION ON ME. SO IF IT CAN NOT BE VERIFIED THEY HAVE TO DELETE IT.
My name XXXX XXXX XXXX I bought a car through Ally Financial Inc. Four years later on XXXX XXXX, 2017, I payed it off. As of today XXXX XXXX I did not received my tittle by mail as stated in the purchase contract, to realize what was happening with my tittle I called to find out that my tittle was sent to a wrong address and now is lost.