WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I went to purchase furniture, when it came time to checkout we applied for a credit line to pay for the items. When some of the items were delivered they were damaged we were also missing some of the items we purchased. They billed us for everything. We ended up not keeping any of the furniture, I have made many attempts to resolve this matter with them yet we haven't gotten anywhere other then them showing a XXXX  balance. I should never have been billed in the first place.
On or around XXXX XXXX, 2016 identity theft and fraud claim was reported on a checking account in which I am a joint owner. Both myself and the other account owner made a report. In addition to the verbal report to USAA on XXXX XXXX, 2016, a police report was filed on XXXX XXXX, 2016 and a copy was provided to USAA. 

During the course of USAA 's investigation, USAA has frozen all accounts in which I was a sole owner, preventing me access to my money, and by locking me out of online account access, USAA has prevented me from updating other products that I have, i.e. Auto & Property Insurance, Life Insurance and investments. Furthermore, USAA sent a notice requesting that I pay {$12000.00} in overdraft fees in which I am not liable according to USAA 's Terms and Conditions. 

USAA 's policy states that account holders have 60 days to report fraud. The report was made well within the 60 day timeframe. In addition to the verbal report, the debit card associated with the account was reported as lost about a week prior to the fraudulent activity being detected. The {$12000.00} is excessive and goes against USAA 's written policy regarding fraudulent charge reporting. The investigation into the matter was opened on or around XXXX XXXX and as of XXXX XXXX, I have not received any information or updates about the findings of USAA 's investigation or how USAA came to the conclusion that the account holders were liable for the {$12000.00} in overdraft charges.
I am a victim of identity theft. My personal information was compromised and an inquiries were incurred in my name without my knowledge and approval. I sent my dispute to this company on XX/XX/XXXX with all the relevant information they needed to verify my claims but the funny this is these fraudulent inquiries are still showing on my credit report.

please delete these erroneous inquiries from my report asap : - XXXX   XXXX XXXX XXXX  -- - pulled lastXX/XX/XXXX - XXXX XXXX -- -- pulled lastXX/XX/XXXX - XXXX XXXX -- - pulled last XX/XX/XXXX - XXXX XXXX XXXX Pulled lastXX/XX/XXXX - XXXX XXXX XXXX  -- - pulled last XX/XX/XXXX - XXXX XXXX XXXX -- -- XX/XX/XXXX - XXXX XXXX XXXX XXXX- pulled last XX/XX/XXXX - XXXX XXXX XXXX  -- - pulled last XX/XX/XXXX
Services was contracted with XXXX XXXX and has been contracted with XXXX XXXX for approximately 14 years when recently ( last 1 1/2 years ) and is currently still under contract, the contracted provider started charging excessive fees, interrupted services, billed for services not contracted, failed to render services as contracted, and closed the account without authorization or consideration for number portability. Failed to respond to FCC complaints. ( FCC Complaint # ( s ) : XXXX, XXXX, XXXX, XXXX ) Requesting for consumer, XXXX XXXX XXXX to pay to terminate contract and services not provided and/or billed. Will attach additional information pertaining to payments and services. This is the second collection agency obtained by XXXX and I have not been provided the services I contracted since XXXX XXXX, 2016. 

This letter from XXXX XXXX references a home-based internet line : ( XXXX ) XXXX that was not further contracted after XXXX XXXX, 2016 when the contract ended. It was under the same account number ( XXXX ) as the voice ( talk, text, and data ) line reported : ( XXXX ) XXXX to the FCC after the line was disconnected on XXXX XXXX, 2016. ( XXXX ) XXXX is still contracted. I have not agreed to terminate my contract ( will not be paying an early termination fee of {$140.00} ) for this line and XXXX does not have this line connected for use as anyone that attempts to contact this number can understand when calling this number. This is the third attempt to collect on a XXXX bill in which services have not been rendered. I will not be paying for non-contracted services, services not rendered under this account or for not having service. You have been paid all you are due. 

XXXX XXXX has solicited multiple companies to collect on a debt not contracted, owed, or due and all have ceased collection activity on their behalf and notified both the consumer and the CFPB that collections have been ceased. XXXX has been the most recent company to cease collection on behalf of XXXX XXXX concerning this matter. Now on this attempt, XXXX has changed the number in specifics as to what the collection is indicated for ; indicating a contract for internet that was not renewed on XXXX XXXX, 2016 due to no longer needing it.
I have contacted FEDLOAN on numerous occasions regarding receiving a monthly payment reduction. I was told that it could not be done and then was given a slight deduction that was still above what I expressed that I could afford. I have tried to work with this servicer for 2 years to no avail but now receiving threats of default when I tried to resolve the problem.
No5 my accounts on recent credit report. Was hacked a year or more ago and they were in my bank account and any online account, Ihad at the time
My payment was approximately XXXX days past due. Navient called me XXXX times on XXXX/XXXX/15 and another XXXX times on XXXX/XXXX/15, starting at XXXX XXXX. The collectors were rude and sarcastic, and I requested no further calls, but they kept calling. I also promised to pay in the next few days, and they still kept calling.
Someone opened a bank account in my name then opened a line of credit of XXXX and also opened a credit card ... I 've done everything the bank said do I 've sent them do you have the police report they sent me an affidavit I filled it out and had it notarized in front of a government official and they still wo n't remove this information this incident happened in XXXX I do n't know what else to do please help me please this happened in XXXX the bank is XXXX XXXX the personal loan department
my property was lost on XXXX and someone found my driver license and my social security card and other information, my credit card and they charged my credit card. I had send the police report to all XXXX credit they do n't nothing about it. however, I fake this opportunity to address to you in order to get this resolve. thank you
XXXX XXXX XXXX has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission. Also, I sent a debt validation letter to them and they have not sent a valid response. They should be shut down. They are taking advantage of XXXX XXXX like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to few a home but XXXX XXXX XXXX is making impossible by reporting misleading and inaccurate information or my credit report.
I made a purchase through XXXX and used paypal as the financing source since they were offering a special promotional offer, that required a specific dollar amount to secure the special financing offer. In order to meet the requirements there were a few items from different sellers. However upon looking on my checking account this morning, Paypal transfered XXXX of the sellers invoices to a " back-up '' funding source. Thus disqualifying me from the promotional offer and then erroneously debiting my checking account, without my permission. This is a gross display of negligence and bait and switch. They never ever notified me that they would be utilizing the back-up source or that the order would no longer qualify for the promotional offer. I attempted to call Paypal and they told me there was nothing they could do as it was already in process, thus leaving me without the funds in my checking account and subject to potential overdraft fee. What I would like to happen is what I told them on the phone. Reverse the charge to my debit card and place all the transactions under the 12 months promotion like I had agree'ed to at time of purchaser, or them eat the {$100.00} charge and credit my debit card.
This complaint is about Citibank/Home Depot credit card. I always pay this card on-line through my checking account. On XX/XX/XXXX ( or there abouts ) at XXXX I submitted a payment on line, only to realize I had used the wrong ( old ) bank account info, which did not have the funds to pay the check. I immediately called, the person at Citibank said they could do nothing because it was after XXXX. I traveled to the nearest Home Depot that evening, paid my payment in cash. I called again the next day, the person helping me said nothing could be done, they had no procedure to withdraw a payment. 
When the check was returned 3x and I was charged a large fee each time, I called them again and was told they would continue to submit the check, they had no way to stop any payments. I was able to put a stop payment on at the bank, so nothing further was paid. The fees I had to pay to the bank nearly equaled my monthly payment ...
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
The debt collector, XXXX, researched my new address ( they did n't have mine on file apparently ), and instead of sending me a correspondence requesting I contact them or pay my debt, they issued a law suit! Fine, I owe the debt, I need to pay it right? I get it, I am okay with that. But they should have asked first. But my real complaint is that they served a summons with my personal information about debts I owe to a roommate! This information did NOT need to be made public in the form of the lawsuit nor the summons to my roommate if they had just contacted me to begin with. This needs to stop.
My personal information was improperly stored on Equifax and compromised when a security breach occurred between XXXX and XXXX 2017. I obtained my Equifax credit report via XXXX and discovered it was linked to another individual 's identity. I believe my identity could be stolen, which would negatively impact my credit score, financial trustworthiness, and personal health.
My account was hacked due to XXXX  & Experian breach the accounts that were in my bankruptcy reappeared delay payment the accounts were all deleted and then reappeared I was not notified by XXXX in five days that they were going to re-put what they had taken off back
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please update my information to it correct, and obtain either, verbal or hand written verification directly from a person at that.

Please delete/remove the following accounts 1.XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX   6.XXXX XXXX I have no idea where these accounts are from I was a victim of ID Theft. I am not sure if they are still using my name or not.
Hard inquiry against my credit report exists, without my knowledge, and consent by XXXX XXXX, on XXXX/XXXX/XXXX, which I dispute and would want to be removed
Pinnacle credit services is bought s debt from XXXX XXXX that they claim I owe. the claim I owe over {$1900.00}. I have disputed this with PCS and the XXXX major credit bureaus ; however, I do n't think anyone is trying to verify disputed information. Pinnacle is updating each month to all XXXX credit bureaus. I also contact XXXX XXXX and according to them, I do not owe them. XXXX also opened a new account with them and they are my current cellphone XXXX. I think these charges XXXX is stating I owe are bogus ; therefore, these negative marks should be removed from all XXXX credit bureaus.
Nationstar credited my account with my full payment payment on the due date, but it also assessed a late fee and has started aggressive collection tactics to recover the late fee from me.
I 've contacted this company numerous times over four years and they still have not verified any information with me. I discovered them on my credit reports when trying to move into an apartment. They have XXXX accounts posted to my credit reports XXXX XXXX and XXXX. Accounts are # XXXX for {$810.00} # XXXX for {$1000.00} # XXXX for {$550.00} and # XXXX for {$1300.00}. After researching this company on my own. I have noticed this company has been sued multiply times for manipulating and compromising information on consumers credit reports. Noticing that also the Consumer Financial Protection Bureau has taken action against portfolios recovery 's Deceptive Tactics to Collect Bad Debts. Portfolio recovery is very sneaky and are very manipulative over phone calls. This has to stop, They will not return emails, Ive contacted them to resolve the issue and they are to multiplicative for me to handle!
A few years ago I received a traffic ticket, and the ticket ( along with related information, how to pay, etc ) was mailed to an old address without my knowledge. Being a busy student at the time, I allowed myself to forget about paying the fine. Several months later, after the ticket was long overdue, I was contacted by the company in question ( AliianceOne is there name I believe ), and they informed me that the DMV was contacted by them and my license was put on suspention, and that I would not be permitted to remove the suspention until the ticket had been paid in full. Upon calling the company 's 'customer service ' line to pay the fine, I was informed that my debt owed was munmentally higher than what my initial ticket fee was. Granted, I'd understand if a late fee was added due to my neglegence, however my inital fine was a few hundred dollars, and I've since been informed that my current bill is something around {$3600.00}. 

I am a recent college graduate, and thanks to these shady business practices, my license is still on suspention ( its been a few years now! ), and because of this I have been unable to maintain even a third-rate part time job. If I'm expected to even be able to pay the inital ticket, let alone the thousands I owe in government-funded student aid, I need to be able to drive. I have offically given up on being able to live my life at all thanks to these disgusting and greedy practices, and if anyone ( besides myself, of course ) should care about this, it should be the US government, who is going to be out almost {$20000.00} in student loans I can not afford to pay, solely becuase I can not even legally drive a car! How else am I supposed to make money to pay the debts I owe? 

Thank you for taking the time to read this, I sincerely hope a righteous decision is made promptly. 

XXXX XXXX
I was scammed on XXXX. Unfortunately I did not read the " how to avoid being scammed '' before I got scammed. I advertised an elliptical machine and the ad was answered by someone saying they were interested in the equipment but were out of town and wanted the piece shipped to a location by movers. This is the text he sent me on XX/XX/2016 -Ok, i will like to purchase it asap, i am very much okay with the price, but i wont be chanced to come around to check it properly, am currently at Out of the state, I will be paying you via check so after the check has been deposited and it cleared by you i will ask my mover 's to come for the pick up at your location and i will add {$50.00} to it for keeping it for me, thanks. - I received a check for {$1900.00} on XXXX/XXXX/16. I deposited it that day. ALL of the funds were available on XX/XX/2016. I went to XXXX to send {$1400.00} to the buyer via XXXX XXXX on XX/XX/2016. The buyer retrieved the money and I waited for the call for him to send the mover to pick up the equipment. The next thing I see is the check was returned item chargeback.and a XXXX dollar return fee. I called my bank and asked why the funds were available to me the day I deposited the check if the check had n't really cleared. They said it was BOA 's policy because I was a long term customer of Bank of America ( 40 years ) the funds were made available as a courtesy. Very bad policy I asked BOA to return the XXXX dollars to me because even though I did something dumb and got scammed on XXXX I would never have sent the XXXX XXXX money to the sammer if BOA did n't make the funds available immediately. All they returned was the XXXX dollar fee after escalating the call as high as BOA would let me. I 'm asking you to have the bank make good on my money because of the terrible policy they have in effect.
Citibank is NOT fulfilling the terms of their promotion for new CitiGold clients who are also Citi Thank You credit card holders. In this promotion, Citi Thank You credit card holders were promised XXXX Thank You points for opening a new CitiGold checking account. The terms of the promotion were that, in order to receive the Thank You points, the new CitiGold clients were to do 2 online bill payments in the 2 consecutive months following the opening of the account. The Thank You points would be credited to the new account 90 days after the statement in which the terms were fulfilled. I have now spent 4 phone calls, 2 secure messages, one online chat, and two letters asking Citibank to credit my account with the XXXX Thank You points. The result of all my requests was that Citibank sent me two generic form letters of which each had precisely the same words. Citibank refused to credit my account with the XXXX Thank You points because " Unfortunately, there was not an ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. '' Very significantly, this statement blatantly contradicts a secure message that I received from a CitiGold Customer Service Agent. A few days after I opened the new CitiGold account, a CitiGold Customer Service Agent _explicitly_confirmed_, _in_writing_, that attached to my account was the promotional code for the XXXX Thank You points. Moreover, the CitiGold Customer Service Agent _explicitly_confirmed_, _in_writing_, that, " The bonus Thank You points will be credited by Citibank to your Thank You account 90 days from the end of the statement period in which you complete all offer requirements. '' Evidently, CitiGold 's own Customer Service Agent had _explicitly_confirmed_, _in_writing_, that the Thank You Points promotion was indeed offered in conjunction with the opening of my new account. I will be providing a copy of this secure message. Therefore, Citibank must credit my new CitiGold account with the XXXX Thank You points that were promised in their own promotion.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I this rectified by improving their security features, by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
On XXXX/XXXX/2017 I checked my credit card account online and saw an unusual charge of {$1200.00} had posted that day from a store I had never heard of. I called Citicards to inform them of a fraudulent charge. The agent said it was ok to keep the card open and I wo n't be responsible for this amount.
The next day I got an automated call from Citicards fraud system asking about a suspicious charge of {$1800.00} at another store. I responded that it was fraud and the card was terminated. An agent called and issued me a new card.
Four days later I checked my account and saw that the first charge from XX/XX/XXXXfor {$1200.00} was added to my credit card balance. I chatted with citicards online and the agent said nothing was done with this amount as far as disputes or flags go. He put in the dispute wrong as " goods or services not as expected ''. I called Citi on the phone and after several transfers got connected to a higher-up who said the whole thing is now a mess and should not have happened this way. The card should have been shut off the first time I called the charges reversed. He was going to do some paperwork on it and it will be a while until it 's resolved but it will be fixed.
Two days later I get a dispute letter from Citicards in my email needing a signature. I dispute letter says : Reason for dispute- Goods or Services not as Expeted. I respond to the email stating that I wo n't sign the document because it is wrong. The goods or services were never even purchased by me, it was fraud.
A few days pass and I get another email from Citicards with a new dispute letter that has a blank line for reason for dispute. I fill it in with " fraudulent charges '' and sign it, mail it, and hope for the best.
Today, a month later I get an email from Citicards saying the dispute was in favor of the merchant and I will be responsible for paying the {$1200.00}. I call Citicards a few different times throughout the night and get all different explanations on how their dispute system works and how they do their investigations and get completely different answers for each person I talk to. The guy in disputes says that fraud charges do n't get disputed, they get flagged. The guy in fraud says fraud charges get disputed.
Not once during their " investigation '' did they contact me for anything other than a signature.