WillisBack/dataset-financial-user-claim huggingface dataset:
Hello I have made some really bad decision in my life, specially when I was younger but I am finally looking to tern my life around. I started to look into my account and monitor my debts and try to resolve them. I noticed a Macys card account that was pending since XX/XX/XXXX but we are in XX/XX/XXXX so I could n't understand why this account was still open and posting for payment. I investigated with Macys and Citi bank, they told me that the Statue of limitations does apply to it and it should n't be on my credit report. They advise to file a complaint with the credit bureau and with Macys.
I sold a home in XX/XX/2016, and a refund for final escrow closing in the amount of XXXX should have been sent to me, a year later I received the check, and when I took the check to my bank, it bounced, I contacted Nationstar mortgage co to have them reissue a new check, and I still have not received my refund after two separate conversations with reps, assuring me, a new check will be mailed in two business days. I contacted Nationstar on XX/XX/XXXX, and again on the XX/XX/XXXX, both times I was assured a new check was sent to me, it is now the XX/XX/XXXX, and no refund as of this date.
Went to XXXX XXXX, XXXX, AL on XXXX XXXX, XXXX to try to purchase a car. The salesman conducted a payoff verification via phone, and a Santander Consumer USA representative divulged other account information to the salesman in addition to the payoff. Consumer contacted Santander Consumer USA and filed a complaint, immediately. Today, XXXX XXXX, XXXX, a representative from the Santander 's president 's office contacted me to state that there is no record of anyone from the office verifying a payoff on my account -- clearly, a bald-faced lie. Consumer witnessed a telephone call of the salesman that lasted 10 minutes, and the salesman revealed the information that was written down on a piece of paper. Where did this information come from? Santander is trying to " wash its hands '' of this privacy violation. 
Santander is claiming no such transaction took place, and it has completed its investigation. No action will take place.
This bank and bank representatives, continue to use reprisal/retaliation and harassment while intentionally mismanaging my personal checking account. Today, XX/XX/2018, there is a negative balance in the amount of $ XXXX due to this bank ( and bank representatives ) ongoing and malicious mismanagement of my personal account ( in an effort to force me to close my account ). I will NOT be closing my personal checking account. I will NOT be paying the said - {$68.00} negative amount. I will continue to file complaint 's ( and legal action ) until this bank decides to CEASE and DESIST their ongoing, tolerated and unlawful practices against me and my personal checking account ( DISCRIMINATION based on reprisal/retaliation, harassment, age, sex,  XXXX, race and nationality. With an " exception '' to my previous CFPB filed complaint 's, this bank ( and bank representatives ) have repeatedly and intentionally mismanaged my personal checking account ( See Check # XXXX ) on XX/XX/2018 XXXX Balance : {$100.00} ) ; Check # XXXX " again '' on XX/XX/2018 ; and todays, XX/XX/2018 negative balance of - {$68.00}. Just yesterday, there was a pending transaction posted to my personal checking account in the amount of - {$24.00}. Today, XX/XX/2018, the " exact same '' - {$24.00} is now posted as a positive {$24.00} ( " XXXX XXXX XXXX ID : XXXX ACH posted credit '' ). Further, this bank consistently sends NSF text message 's to another persons cell phone. Therefore, continuing to violate my right to " privacy ''. ALL supporting documentation will be sent to the CFPB via fax. ANY and ALL information in this filed complaint, is strictly for the purpose of the CFPB ( NOT, to be compromised, transferred or published by this bank, bank representatives ( or bank subsidiaries ). THE END!
My issue concerns my credit score ... XXXX it list me as a ( very Poor ) credit risk.. Primarily basing the conclusions on credit inquiries.. & credit card usage ... XXXX I 'm am a debtor, who works very diligently to pay my bills & pay them on time ... # 2 I do not use 'Credit cards to pay credit card or other monthly Bills that are Due ' Indeed I pay my bills with the cash that I earn, from the sweat of my brow. I use my credit cards for goods & services which is what they are designed for. # 3 'I never ever pay minimum amts Due on credit cards ' instead, I use them more as, an easy way to pay for goods & services.. But in this modern day world of Internet sales & the like. I somewhat insulated against scams & the like..Mosty Importantly ..I am extended credit ..because of my payment creditworthiness & no matter how much of my credit I use I should not be penalized unless I 'm in default ( Computer models & probability charts should not Count ) ... My goal is to repay the debt.. & that 's what I have done.. 100 % & my credit score & Rating from the Bureau should lean most heavily on this simple fact ..when issuing My Credit Score '
I received this email from what appears to be Wells Fargo. I believe it is some type of fraud. I do not have an account with Wells Fargo nor do I want one because of their business practices. I am going to also submit a complaint on FTC site. I just wanted you to know. 
I will attache the saved word doc that has an additional image when you highlight the email to copy and paste. 
From : " Wells Fargo Online '' XXXX Sent : Friday, XX/XX/2017 XXXX Subject : New Update From Wells fargo Online Banking wellsfargo.com Important New Information About Your Account Dear Valued Member, We noticed invalid login attempts into you account online from an unknown IP address. 
Due to this, we have temporarily suspended your account. 
We need you to update your account information for your online banking to be re-activated please update your billing information today by clicking here XXXX After a few clicks, just verify the information you entered is correct. 
Sincerely, Wells Fargo Member Services Team P.S. The link in this message will be expire within 24 Hours. You have to update your payment information wellsfargo.com | Fraud Information Center Please do not reply to this automated email. 
XXXX
My state issued ski payment was transferred over the phone on XXXX XXXX 2016 and i filed a complaint and had to go thrust a lot if run around to finally get the funds returned to me and this is once again happening on the XXXX of XXXX I tried to withdrawal the funds from the direct express card and the arm transaction was declined so I called and they said I tried to transfer money over the phone again and they expected me to fax a 2 forms of is so I went to the police department and they sent the 2 forms of is and after a bunch of return calls finally was allowed to withdrawal XXXX of the benefits at around XXXX and this is not the only card being fraudulently used so I needed to cancel all of my cards and I am trying to file for identity theft assistance I am not in a financial situation to continue fighting this situation please help
Affidavit of Demand by XXXX XXXX XXXX XXXX OF XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
I made a purchase from Rayomour and Flanigan int he amount of {$10000.00} with {$0.00} interest for 72 month. at the 11 month I started getting interest rate, I called and I was informed that I need to go to the store where I purchased the furniture. I went there and spoke to Manger, which she was very rude and informed me that there is not such a thing of 72 month. Even the advertisement in the tv shows that interest free for 72 month.

I called the sales rep that I bought the furniture and she doe not work with the company any longer. ( wonde why ) she even told me that the contract was for 72 month. When I told the manager that, well she does not work here anymore.

She did not try to assist in any way, all she said is that I need to paid.

I really felt that customer services is very poor, and the people who work there really do not care about the customers.
I have sent Central Financial Control letters notifying them that I was a victim of identity theft and that this account is a result of the identity theft. I have asked them to send me proof that this debt belong to me and I have not received anything from them. I know that they can not produce anything because the debt is not mine and was not authorized by me. I need your assistance in getting this matter resolved.
I have been using XXXX XXXX for years to monitor my credit score and activity. I noticed on XXXX XXXX there was something that should not have been on the my report. XX/XX/XXXX, is when I started my own investigation and notified all three credit bureaus that my computer had been hacked. And I absolutely did not apply for credit from XXXX or Capital One on this day. I recently paid off Capital One and closed the account. Their response is that it takes up to 90 days for it to remove from report, 90 days has passed. Another issue, was with XXXX XXXX XXXX. After repeatedly contacting XXXX directly and indirectly they refused to remove my name from auto, that my father refinanced thru them and bought from me. XXXX did not show no compassion for the lost of my father, they added pain on top up grief. It took me to file complaint with XXXX XXXX XXXX XX/XX/XXXX. Then and only then is when someone from XXXX called on XX/XX/XXXX to apologize for the inconvenience and that my name will get removed immediately from the auto loan. The origin of this story is that my father purchased a car from me XX/XX/XXXX before he passed and I had been fighting ever since, to clear this mess XXXX made DELIBERATELY AND INTENTIONAL, to remove it from my credit report as being joint owner b/c the car was not in my possession. Bad Business. MY FATHER AND I HAVE BEEN LOYAL FAITHFUL CUSTOMERS FOR OVER 25 YEARS and remaining.
I have had an account with Key Bank for going on 3 years. I do not have overdraft coverage, do not have a substantial amount of savings, do not have anything in my bank account due to loss of work. 

Recently, a foray of payments have hit my bank account - XXXX or better. Obviously, I do not have overdraft coverage, and I have asked the companies who are taking automatic payments out to stop. I 've gone online and even deleted my bank account from each company 's site. 

I have an equal number of overdraft fees - XXXX. Each XXXX, {$37.00} each. As I do not have overdraft coverage and since I obviously can not afford almost {$2000.00} in overdraft fees, my local branch is calling me and asking me how to square this up - I can not believe I 'd be asked such a question since these were automatic actions not initiated by me. 

This is another case where Key Bank ( with customer service that has gone downhill since the First Niagara acquisition ) is simply capitalizing on another man 's misfortune.
I am LIVID!! I called in by phone this morning on XX/XX/2018 around XXXX XXXX  to make a payment on my credit card using my DEBIT card. When I called and was attempting to get though the prompts it automatically routed me to an agent. When the agent answered I informed him I was just trying to make a payment and wasn't sure exactly why the system routed me to him but I didn't request an actual agent. The agent proceeded to tell me that I needed to verify potentially fraudulent activity ( a {$2.00} charge from 6 months ago! ) or my account would be locked. I told him I was driving and that I make lots of charges using this card and it would be impossible to remember that without viewing my records/ account. I requested a supervisor assist with the call because the agent was rude and talked over me the entire call! He stated he'd get a sup and NEVER returned after nearly 20 minutes of holding! I ended up hanging up and calling back to make a payment to the card on the automated system w/ my DEBIT CARD ( which per your policy is available immediately when made via a DEBIT CARD ) But due to the negligence of your staff my funds were NOT made available immediately and held vindictively!! I called and spoke with several agents and supervisors, I answered the questions regarding the charge and still my payment of {$220.00} was held for no VALID reason!! I missed my car reservation because your agent sabotaged my account and refused to release the funds!! I was embarrassed as my transaction declined after being assured by your sarcastic supervisor, XXXX that my account was in GOOD standing AFTER I answered her questions regarding a " supposedly fraudulent transaction!! '' If this was such a BIG issue WHY wait until I call to make a payment to discuss this??? I should have received a letter, text, email or phone call with questions, BUT I never received ANYTHING informing me there was a potential issue!! My payment should not have been HELD today!! There was NO reason to hold my funds, only that your staff ( the 1st agent I spoke with and potentially XXXX ) blocked the transaction from being available immediately in an effort to be spiteful!! Why was I not informed there was an issue prior to me calling in making a payment while in an emergency situation!!!! This is ridiculous and something needs to be done! I have filed a complaint on this company before for NOT advising me of sensitive information regarding my account properly, when needed and I see that hasn't helped!! My funds are still NOT available AND IT XXXX EST!!
I was the victim of identity theft in XXXX and XXXX 2014. Someone tried to open - and successfully did open - many credit cards in my name. After I got a call asking to confirm whether I had applied for an account, I realized what was happening and placed freezes on my accounts with the credit bureaus, contacted every credit card company I saw popping up on my credit report and every company that called or mailed me, and then filed a police report. 
XXXX and XXXX have removed all the fraudulent accounts and inquiries from my credit reports there, but Equifax refuses to remove XXXX items, a fraudulent account at XXXX and a fraudulent inquiry from XXXX, from my report, even after I have filed several disputes ( # XXXX, XXXX, XXXX etc. ) providing documentation that they are fraudulent, and even after XXXX and XXXX have XXXX each asked that they remove these items from my files. This is Equifax 's response each time I ask them to investigate the matter : & gt ; & gt ; & gt ; We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information for XXXX XXXX XXXX. The results are : Inquiries are a factual record of file access. Should you have reason to believe this inquiry was unauthorized, Please contact the creditor directly and follow their internal fraud procedures. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXXPlease help me get these fraudulent items off my account! I have a letter from XXXX, attached. Unfortunately XXXX procedure is to submit electronic requests to Equifax, so I do n't have a letter from them to attach, but you can contact them and they will confirm the account is fraudulent.
I sent multiple letters and emails to united auto credit for my car loan late payments for XXXX, XXXX, and XXXX of XXXX asking for forgiveness and goodwill due to my XXXX from my time in the military I was unable to make various decisions like pay on time bills and make it to work due to lack of ability to sleep. I have since then gotten the proper help and medication to boost me in the right direction as far as financial decision making. I have not yet received a response to my email. these late payments hinder my ability to obtain good credit.
I informed Equifax that XXXX - XXXX XXXX, XXXX, XXXX XXXX ( Account # XXXX ). Was a fraudulent account and I disputed this with the creditor and all XXXX credit reporting agencies. XXXX and XXXX deleted this item as they should. But Equifax keeps saying that this is legitimate and it 's not! I 've sent them multiple pieces of documentation informing them that this is a fraudulent account opened in my name and they will not remove it.
On XX/XX/XXXX I made my normal payment of {$1000.00}. My mortgage payment had increased to {$1100.00}. I had no previous knowledge of the increase either electronically nor through regular mail service. The normal payment was received on XX/XX/XXXX but was not applied to my mortgage payment due to the {$100.00} that was short. I received a letter dtd XX/XX/XXXX stating my mortgage was in in default. They held my payment for the entire month of XX/XX/XXXX and would not post it until they received the full balance ( of which I was unaware until the letter ). I quickly made the payment and adjusted my monthly payments. On XX/XX/XXXX I received a email from XXXX stating my credit score had dropped. I went to the website and found out the mortgage company had reported a missed mortgage payment which in turn dropped my score 90 points. Point one : I never missed a payment, they had it all along. Point two : if my score had not been excellent, this would have dropped me into the fair to poor credit range. Point three : if I  had needed to purchase something on credit I would have been forced into a higher interest rate due to Mr Cooper 's misleading information. If they did this to me what are they doing to others with less credit scores. This provides markets to capitalize with higher interest rates forced onto consumers. From the time I purchased this house I have never been late nor missed a payment. This was an error on their part and I refuse to stand by and be manipulated and I do not want to see this happen to hundreds or thousands of other consumers.
We just finished doing a refi to remove PMI off our mortgage with no cash out and now we are paying more on the back end while they only eliminated XXXX of the {$600.00} PMI monthly. Today, not even making the first payment for another week, they send me a flyer in the mail on how I can eliminate the entire PMI as part of the new program they have.
I have resolved a debt in full XXXX XXXX,2016 it was filed in the court of my county XXXX XXXX, 2016 however they will not remove this from my credit report. Over the last 30 days I explained to them that I care for XXXX XXXX children and I was trying to purchase a home for them and this is affecting me from getting a loan from the bank. I found out this was still on there after my landlord allowed the home we was in go into foreclosure and I tried to purchase that house. I was denied a loan so me and the kids literally we go sat out on the street and lost everything. XXXX XXXX XXXX XXXX have the information in their system and they also sent me a copy of the " Satisfaction of Judgment '' paper and told me to take that to the bank and that the bank would see that I paid it. I have call this company over and over and they will not take it off. Now yesterday I call again and the representative told me to forward him a copy of the same form that they sent me. I did as he asked but informed him that it 's their responsibility to update the credit report. This is so unfair because I had a debt and I paid it in full and they are not doing their part. I am asking the CFPB to help me in this matter. I will upload a copy of the satisfaction of judgment. Thank you in advance
I got a loan for {$5000.00}. The interest is {$7000.00}, making the amount I'm paying back {$12000.00}. I thought there was a law against charging exuberant interest. 
I needed the money at the time & didn't notice the amount of interest. 
I just think someone should look into One Main Financial & have them review their interest. It's ridiculous!
I opened a Chase XXXX XXXX credit card in XX/XX/2018. The benefits included in the offer for this card are that the {$95.00} annual fee is waived for the first year, and users can earn XXXX additional rewards points if they spend {$4000.00} within the first three months of their card usage. I noticed yesterday that I was charged the {$95.00} annual fee  despite Chase 's advertising that it would be waived, and called customer service today in order to get this refunded as it seems to have been applied in error. I was told by customer service that my offer does not, in fact, include the {$95.00} waiver. I've been given no information as to why this aspect of the offer could have been revoked, as it's still advertised as part of the card membership on the Chase website without any conditions or limitations, as you can see in the screenshots below. I signed up with the offer link that included the {$95.00} waiver and Chase is not willing to refund it.
Continued robo-calling for someone else. We do not owe the debt for which they are calling. Number calling is XXXX ; last call was at XXXX XXXX XXXX XXXX which is a Sunday.
I had a XXXX XXXX in XXXX 2013. I had no medical coverage so I applied for grant coverage for the hospital bill. I had outside bills such as the doctor, XXXX and XXXX. I paid the bill of {$1700.00} to the XXXX. I called the phone # given to me from the collection dept. When I called that number they said they could not look me up XXXX the bill is sent to collections but if I wanted to backtrack to call the hospital. I did that but only got the answering machine and left a message. I have not heard back from them yet. Another issue is I have moved XXXX since the time of XXXX and have left forwarding addresses. I never received a bill or letter stating I owe this amount and why. I am signed up with Credit Karma and they alerted me by email that there is unfavorable activity on my credit report. That is how I found out it was Chapman Financial who turned me over to collections. I looked up their phone # online and called them. I just received a letter for the collections yesterday. What is the best way to dispute this and get it off my credit report?