WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX a portion of my pay was direct deposit into Bluebird account in the amount of {$320.00}. Bluebird has set aside account like savings accounts tied into main checking I transfer {$310.00} into set aside account. Later I looked on my online account and someone got into my account transfer {$310.00} back into the checking then did a p to p transfer of {$320.00} to a person I do not know nor did I do this transaction. I called customer service the rep from fraud himself said your account was hacked into you need to change your password. I changed password filed the dispute the next day I got email denying my claim. Then I got email stating my account was locked someone tried getting into account again I called customer service back the next day spoke to fraud stated again I did not do this. I was advised to change email and all they could do is refill claim. Today is XX/XX/XXXX and I have heard nothing. I know claim will be denied. Wheres my protection Bluebird states they are alternative to checking I am very upset and need my hard earned money back.
The Equifax hacking problem??? First, delay in notifying ANYONE of it having happened, exposes about 1/2 of US households to extreme vulnerability to all sorts of fraud ; second, insider management selling stock before public announcement of the hacking ; third, an attempt to make that same 1/2 of US households " trade away '' their right to sue Equifax. It 's totally shameful.
First : no one has ever asked me if I 'd like to " opt-out '' of the reporting system for all the 3 companies. Why? What governmental entity sanctioned their activities? I understand that they facilitate peoples ' access to borrowing, smoothing the way for banks and other financial entities, but just now we see the potential cost of such a system to individuals. The IRS, I would think is particularly concerned, given it is already burdened with fraudulent attempts to file on the part of garden-variety scamsters.
Secondly : should there not be a large penalty ( say, {$5000.00} or {$10000.00} fine/ instance ) levied on the party responsible for failing to protect consumer 's identities ... whether or not there is subsequent fraud or not? Some entity ... maybe you, maybe the FTC ought to have some serious level of control over their actions.
Thirdly : myself, at this point in my life, I can live quite nicely without extending myself credit, but this is not true of the typical American. I have frozen my accounts at all three companies and may leave them frozen indefinitely, but this is not viable for younger people just starting out ; they need mortgages, cars, etc. They 've not had it easy in the last 10 years or so. This is yet another kick in the teeth to them. In short, it would be advisable to re-think and, if necessary, re-legislate this entire system. You should be a major player in this.
I would like to note that reaging of the account as occurred. That it has switch collection agencies multiple times. I have documentation from XXXX stating that it was so sent to collections in error, yet this debt keeps being resold and I would like it permanently removed from all credit bureau reporting.
Hello, I have detected one incorrect record on my credit report from XX/XX/2016 for a " hard inquiry. '' The hard inquires have been performed by : Citizens Bank.

I have never authorized nor I recall authorizing a credit card or any form of credit request from Citizens Bank during these dates.

Thank you for your time.
I had 2 accounts at JP Morgan Chase Bank. On or about XX/XX/XXXX, I filed a claim on my Debit transactions for the over charges of a merchant. The merchant XXXXpproved cash advance debit transactions but they were processed credit transaction which I was charged more higher fees. Chase accepted my claim and I was temporarily given refunds. On or XX/XX/XXXX, I had direct deposits ( DOL {$5000.00} ). We tried to make withdrawals but the bank system would not allow us. I scheduled bills payment on the same date but they were all rejected by the Chase bank. I contacted Chase bank and I was told as of XX/XX/XXXX, all our accounts were all restricted and closing sooner due to excessive claims I made. I was told that I was no longer have any relationship with Chase bank. 
On or about XX/XX/XXXX, I had direct deposits ( SSA {$1700.00} ), again Chase bank will not allow me access my accounts including withdrawals at the branch office.
I am a victim of ID Theft. I have dealt with the company in the past. I had checked my credit report and notice I had a debt in the amount of {$6000.00}. I contacted the company immediately by calling and also writing a letter asking them to validate the debt. They have failed to comply with FDCP and I want this remove from all XXXX of my credit reports.
On XX/XX/2016 I requested I validation of debt via an affidavit sworn under penalty of perjury. Midland Credit Management , Inc. failed to provide validation and keeps reporting the disputed item on my credit report.
I have been a customer of CitiCard MasterCard since XXXX. I have always paid my bill each month in full. My XXXX bill was due on XXXX XXXX, 2016. They received my payment on XXXX XXXX. When I received my statement in the mail today, I noticed that they have charged me {$23.00} interest. I immediately called them and asked them why they charged me this amount when the payment was received before the due date. The lady connected with me with a foreign gentleman. I explained the situation to him. My daughter explained the situation to him. He refused to take this amount off of my bill. How can a company charge you interest like this? Are they putting these charges on people 's accounts thinking that they will not notice it and pay it? I believe that is unethicial and not right! They need to be reported and held accountable for doing business in this matter!
I have opened an investigation several times with this company in regards to them reporting unverifiable and inaccurate information in my credit file. 

They have refused to properly investigate my dispute and delete the unverified accounts.
I recently reviewed my credit report and found a discrepancy with the reporting of my student loan on my credit report. XXXX was showing that XXXX XXXX was reporting that I was 90 days past due on my student loan back in XXXX of XXXX, however I could not have been 90 days past due because I entered into deferment on XXXX XXXX XXXX due to me being on XXXX XXXX with the XXXX XXXX. I entered service on XXXX XXXX XXXX. I completed an online dispute through XXXX and the results came back on XXXX/XXXX/XXXX showing that I was responsible for the late payments. The reporting of me being late with my student loan payments has aided in me not being able to obtain a VA home mortgage loan. I feel like even though I am serving my country, it is not right for XXXX XXXX to report incorrect information that is stopping me from obtaining my American Dream. I would like it if XXXX XXXX ( now Navient ) would remove the 90 day late payment from all XXXX of my credit reports from XXXX. I would also like it if they would do this in a timely manner. According to the Fair Credit Report Act, the Credit Agencies are to ensure that they report the correct information, reporting that I was 90 days late in XXXX while in deferment since XXXX is not right and should be corrected.
Good morning. 

I'm contacting you, in the hope that you'll assist me with my loan modification, with Bank of America. 

I began talking with them in on XX/XX/XXXX of last year. I fell behind on my payments, last year, as my mother was very sick and I had to care for her. I've submitted and resubmitted documents nearly a dozen times now - and, for the last two weeks, I've resubmitted the same information THREE times. My point of contact continues to tell me that this is what underwriting is requesting. 

It's clear that Bank of America is deliberately stalling this process. They're intentionally misguiding me. Misdirecting my efforts and straightforward lying to me. The single point of contact on my file - XXXX XXXX - has been of absolutely no assistance. I've also reached out to his manager, XXXX XXXX, and he barely gave us any more assistance then XXXX. 

XXXX This process should have been competed a month ago and t 's becoming an emotional and psychological burden to me. Boa had had all the documentation necessary to approve my modification and I have acted in good faith, fulfilling every request that they've made of me. I also have more than enough disposable income to support going back to making my payments and we need your help with this. 

Thank you!
I have contacted this debt collected with no response about this debt that I know nothing about. I have asked them to remove debt still no response. This collection on all XXXX reports is effecting my life. Legally it should be removed because this is not my debt.
There was a judgement filed against us by XXXX, on an account we have not idea about. The credit card company XXXX no longer exsists for us to verify. We had to make many calls just to find out how to pay it off, we finally were referred to Mel Harris Associates. They have been very hard to deal with. When my husband reached them to make arragements to pay this off, he recieved a verbal agreement on terms to pay and in return have this taken off our credit report. They said they would send a letter agreeing. We did not recieve anything for weeks and then he got an email later followed by a letter, the problem is the dates we agreed to pay were incorrect and the agreement to remove the judgement was not stated. He emailed numberous times along with calls, but no response. He finally called and spoke to a supervisor and was toold we did not stick to agreement and needed to pay that day. We insisted on getting a letter first and still have not recieved one. This was XXXX XXXX and XXXX. We have money to pay, but still not recieving necessry response.
Ocwen continues to give me a run around. Ocwen continues  to refuse to include both non borrower 's income and borrower 's income to evaluate my mortgage for a loan modification.  Ocwen has failed to  accurately evaluate my request for mortgage assistance based on my household ' source of income that has already been submitted to them.    Ocwen 's notic e dated  XXXX / XXXX / XXXX , states, " The denial decision was based on the monthly gross income you reported, which was {$430.00} '', see notice attached.    Ocwen 's no tice dated  XXXX / XXXX / XXXX , states  " I   ncome calculation : you have two sources of income : Social Security income and contribution from two non-borrowers '', see notice attached. The notice includes both the income amounts and calculations from both non-borrowers and borrowers income.
I have repeatedly told Ocwen that there are both non-borrower 's income and borrower 's income that pays for the mortgage, previously documented and incomes have been submitted.
Ocwen continues to ignore and deliberately refuses to evaluate my request for mortgage assistance for a loan modification based on both my non-borrower and borrower sources of income. Ocwen contines to give me a run around, fails and refuses to correct errors, and sends me inaccurate notices and denial letters. Ocwen 's incompetence and improper practices has cost me money.
I am in imminent default and I request that my submitted mortgage assistance application be evaluated for an affordable loan modification under the Federal HAMP Tier I and Tier II guidelines.       I look forward to your prompt response.
These accounts below are over/pass the statute of limitations and shows up as late payments on all three credit reporting agencies ; for more than seven years and have no further rights or remedies with respect to these claims. Please, expedite the removal of XXXX XXXX and XXXX XXXX from my credit report. 
They sent them to XXXX different collection agencies thought out the years and then took them back based on info found and the statements from the agencies. I have a total XXXX and these accounts were sent to a XXXX agency/company which sense it to the all XXXX credit reporting agencies as a discharge/charge-off accounts. Thank you for your time and consideration.
they called this an installment loan, but it truly is a payday loan. 
It started with my back wallet, and they said they had to transfer my account to my quick wallet and the mess seems to never end. I was a bit despirate when I took out the loan but did n't realize the XXXX I would end up in. the loan was XXXX. So far since XXXX I have paid XXXX and they have only taken {$30.00} towards principle. I sent them a notice that they are no longer authorized to take monies from my checking account, but I will be closing my checking account this weekend. They said they will settle for an additional XXXX in three payments, and I said no. I feel like I am trapped but they already have gotten 272.5 % of what I borrowed back since XXXX/XXXX/16. I felt I had no choice but to persue a complaint to stop this. I just do n't know who can help and they refuse to give me an address to send a certified letter. Also this was done on line and I have no access to the paperwork either, I asked them to mail a copy to me and they refuse.
On X/X/2017 I went to my online banking thru Wells Fargo Online and went to pay {$1000.00} to my WF Visa account On X/X/2017 I received a statement from Wells Fargo Visa which didnt reflect the {$1000.00} I paid online Of course I called realizing it was to soon for it to appear The lady I spoke to said she never recieved it, so I looked online and saw I accidentally sent it to WellsFargo Banking which was for a loan I had for carpeting, which I have a XXXX balance with So they gave me the number to call to correct the problem I was sent to another country where I had a little difficulty understanding the lady. representative But I did understand her saying that they could n't return the money to me for 10-15 days She transferred me to the States and the man I spoke to a supervisor said the same thing to me, So I asked to speak to a manager. I spoke to a XXXX XXXX Very nice man trying to help me, but he said he could n't get it to me for 5-7 days So the next day I went to my local bank and spoke to my banker XXXX XXXX who also tried to help me, but he was told the same thing, that it will take 10-15 days to return the money they all told me this is their policy, I said your policy is antiquated! if you can take it in a day you should be able to return it to me in a more timely fashion I could understand 2-3 days its the same bank and it was done online with my money So I am upset and think this policy is unfair and I want my money returned to the account it came from
I 've contacted this company since XXXX XXXX XXXX regarding my account that was taken over by XXXX as of XXXX XXXX XXXX. I was told by XXXX an account manager that a letter went out to my employer the week of the XXXX My employer finally received a letter dated XXXX/XXXX/XXXX, 9 days after what I was originally told. I called in on XXXX and spoke to XXXX myself, requesting a fax letter releasing my garnishment. XXXX stated she 'd have that letter faxed to me the same day. On XXXX I still had n't received the letter to provide my employer so after calling and leaving repeated messages I called back again and asked for XXXX 's supervisor, to my surprise XXXX answered and stated that she 'd get the letter faxed for sure. 
After repeating myself to XXXX countless times I finally received a fax on XXXX releasing my garnishment dated XXXX. I called her back AGAIN, I asked for a corrected letter releasing with the proper date. She kept going in circles about my employer receiving a refund once they received my payment since there was no account to apply it to. I have a payment that needs to be made to XXXX. This has become a headache trying to get these people to correct what was a simple request. If there will be no account to apply the payment to why ca n't a corrected fax be sent to my employer instead of waiting about a month to receive funds that do n't belong to them? 
I have to make my payment to XXXX with the funds that were withheld from my checks and it 's becoming difficult. 

The following email was sent on XXXX/XXXX/XXXX at XXXX I have attempted to reach out multiple times with failed attempts. I requested call backs for the account manager XXXX ( ext XXXX XXXX with no follow up calls. I dont know how a manager would not return phone calls. If a manager is overwhelmed my account should have been given to someone else. 

Ive requested a form stating the date my account was released and taken over by XXXX. My first request was on Monday XXXX XXXX XXXX. I then called back and spoke to XXXX herself on Thursday XXXX/XXXX/XXXX, she stated the form was mailed out on Monday XXXX XXXX XXXX. My employer and I have yet to receive this letter that should have taken 1-2 days at the most based on their location. XXXX also stated that shed have a letter of release typed up and faxed to my employer. Finally received the fax on XXXX/XXXX/XXXX with the date of release XXXX/XXXX/XXXX. 

When I received the fax I called in AGAIN and spoke to XXXX stating the release was dated with the date the fax went out, which was XXXX/XXXX/XXXX not XXXX/XXXX/XXXX. She then back tracked and stated that my account was not released until XXXX/XXXX/XXXX which XXXX stated my account was taken over on XXXX/XXXX/XXXX. This needs to be corrected, there is no reason for this delay. My fax is XXXX XXXX XXXX XXXX. My next step will be filing complaints on ACT and their employees that have failed to do their job.
On the    XXXX   XXXX   XXXX   I  tried to pay my balance on my credit card.I called the number listed.   I heard about every  3rd w ord from the customer service person. I would like to add that making payments before due dates are not as straight forward as they need t o be .I 'm wond ering if this is not intentional. It should n't be that hard to pay your bills.
Around  XXXX   XXXX , I paid off my  XXXX   XXXX  account with a Balance Transfer from another bank. Too much was paid and therefore left me with a credit at  XXXX   XXXX  of {$130.00}. I was going to charge something to use that balance up. Several months later when I checked my account that balance was no longer there. I called  XXXX   XXXX  and they said they mailed a check. I NEVER could find this check and finally in  XX/XX/XXXX  called and told them that. They checked and said the check had cleared the bank. I told them I had not r eceived this check could they please send me a copy of the back of the check to verify my signature. Around  XXXX   XXXX  I received the copy of the check. Not only did the check NOT have my signature on it, it did NOT EVEN HAVE MY NAME!!!! I immediately called  XXXX   XXXX  to let them know that I had not received the check and I assumed it was stolen from mailbox and someone else had endorsed and deposited it. ( Or could it possibly be they never mailed it an d one of their employees took it as I had them compromise my card once??? ) I then called Citi Bank and talked to an idiot who told me there was nothing she could do but maybe I could take the check to one of their branches. I told her there were NO Citi Bank branches here. Did she want me to go to NY? She said, Yes, I could do that. I then asked to speak to a supervisor in the USA.  She informed me that it was  XXXX   XXXX    XXXX   job to file a fraud or forgery claim. I then called  XXXX   XXXX  back and asked for a supervisor in the USA. I talked to a very nice woman who put me on hold while she did contact their fraud dept. They told her they do NOT do that! She had me on hold several times as she checked with several different departments. She told me that each department said there was nothing they could do as they had paid the check and this was Citi Banks issue!! Between these phone calls, I was on the phone over  2 h  ours and got NOWHERE! I am out {$130.00} and I did nothing wrong but overpay an account. Citibank, on the other hand, committed an illegal action and is taking responsibility for nothing!! Can you help me??
I opened checking account and BMO Harris bank on XXXX/XXXX/2017 with deposit {$100.00} and on this day I tried to make online bill to XXXX credit card for the ammount of {$95.00}. Their website show me a message /in red/ that I can not make online bill payment now and I gave up from the idea to use that service. Suddenly and without my permission BMO Harris make a payment on XXXX/XXXX/2017 and on this day I did not have the money, I was charged NSF {$35.00}, I called to their customer service and the money were refunded. I was totaly surprised when I saw today that my account is negative, becasue BMO tried to pay again without my permission {$95.00} to the same XXXX credit card. I went to BMO Harris, XXXX on XXXX/XXXX/17, spoke with the banker - XXXX, spoke with the Branch Manager and Customer service and I was told that I ow {$91.00} to the bank because they paid to XXXX {$95.00} /I had {$3.00} in the account/. I paid the {$91.00} to the bank, but later during the day XXXX2017/ I got e-mail from BMO Harris Bank that they did not pay the {$95.00} to XXXX and I will be charged NSF {$35.00}. 
I would like to share that when I opened the account on XXXX/XXXX/2017 the banker never discussed with me how the online bill pay works and debit coverage as well! Now I know, but base on the worst banking experience ever in my life!
I did submit on XXXX. ( complaint number XXXX ) and amex sent a mail about they are working to resolve the issue as quickly as possible and apologize for the disappointment. after 3 month, nothing!!!
XX/XX/XXXX, I went into a XXXX location to return some equipment and was informed of an account from a previous address that had a balance. I paid the balance in the store and was told that no negative reporting would occur as I paid them directly, and if it had been sent to collections it would be deleted. Turned out that it had already been reported to collections, so I waited. I reached back out to XXXX via chat and was told again that it would be deleted as they took the payment, I just had to call a number and tell them. I did that, and now it just reports as a paid collection on my reports, when I have proof that I was told that it would be deleted.
On XXXX XXXX, 2017 I directly contacted Equifax to request a copy of my Credit Report to be mailed out to me. I do not have access to my credit report online for disputes or viewing. Whenever I call this company, I am transferred to Consumer Affairs only to be told that this is the highest level of escalation. On this day, I spoke with XXXX. I requested for him to mail me a copy of my report as this is the only way I have access to my credit report due to the company 's unethical practices. I was then advised by XXXX that I needed to sign up for their credit monitoring services. I advised him that I had no desires to sign up with any services with this company because I do n't trust them. He refused to mail me a copy of my report. 
I have filed numerous complaints in which my issues have not been addressed, in fact the company failed to respond to my complaint with the Georgia Department of Law. 
It has been publicised in the news that this company was negligent with not just my information but everyone 's information and they have experienced a breach which compromised many consumers personal information. The time that this breach occurred is the time in which I received multiple fraud and extended fraud alerts added to my credit file without my request by this company. 
I, unfortunately, sent in copies of the information requested by this company such as driver 's license and social and will not be doing so again since they do n't know how to keep my information safe.
Diversified collections keeps calling me after made several requests that they not contact me anymore. The numbers they contacted me from are XXXX XXXX XXXX and XXXX XXXX.