WillisBack/dataset-financial-user-claim huggingface dataset:
I PURCHASED A {$200.00} VISA GIFT CARD WITH THE INTENTION TO PAY A BILL. I SET UP AN ACH DEBIT WITH THE PAYEE TO BE PAID ON XX/XX/XXXX. I WAS NOTIFIED THAT MY PAYMENT WAS DECLINED ON XX/XX/XXXX. I HAD REGISTERED THE CARD ONLINE AND WAS ABLE TO VIEW THE TRANSACTIONS. I FOUND XXXX TRANSACTIONS THAT WERE NOT MADE BY ME. I ALSO COULD NOT LOCATE THE CARD. 
ONCE I REVIEWED THE DATES OF THE UNAUTHORIZED TRANSACTIONS AND REMEMBERED I HAD THE CARD IN MY PURSE THE LAST TIME IT WAS IN MY POCESSION. I WAS IN A CAR ACCIDENT ON XX/XX/XXXX AND THE CONTENTS ON THE PASSENGER SEAT WENT FLYING ON IMPACT. MY VEHICLE WAS SEEN BY XXXX AUTO BODY REPAIR SHOPS WITHIN DAYS TO GET ESTIMATES AND ON XX/XX/XXXX, MY VEHICLE WENT IN FOR REPAIRS AND WAS NOT RETURNED TO ME UNTIL XX/XX/XXXX. I REALIZED MY CARD HAD BEEN STOLEN OUT OF MY VEHICLE WHILE GETTING THE ESTIMATES FOR BODY WORK. 
I CONTACTED CARDHOLDER SERVICES TO REPORT THE UNAUTHORIZED TRANSACTIONS ON XX/XX/XXXX. I SUBMITTED THE DOCUMENTATION TO BEGIN THE PROCESS OF RECOVERING THE FUNDS ON XX/XX/XXXX BUT WAS INFORMED IT WAS NOT RECEIVED. I RESENT ON XX/XX/XXXX. I WAS SENT A DOCUMENT TO COMPLETE ON XX/XX/XXXX WHICH I COMPLETED AND FAXED BACK ON XX/XX/XXXX. THIS WAS THE 2ND STEP IN THE PROCESS AND WAS TOLD THAT I WOULD BE SENT A NEW CARD IN APPROXIMATELY 10 BUSINESS DAYS. 
NEARLY A MONTH LATER, I HAD NOT RECIEVED THE NEW CARD SO I CALLED AND LEFT 2 MESSAGES ON XX/XX/XXXX WHICH IS SUPPOSED TO BE RETURNED WITHIN 48 HOURS. MY HOPES WERE I WOULD BE ABLE TO SPEAK TO SOMEONE BUT SAT ON HOLD UNTIL THE SYSTEM PROMPTED ME TO LEAVE A MESSAGE. I DID NOT GET A RETURN CALL SO I CALLED AGAIN ON XX/XX/XXXX AND HAD TO LEAVE ANOTHER MESSAGE. I TRIED AGAIN ON XX/XX/XXXX BUT AGAIN, I WAS SENT TO VOICEMAIL. I HAD NO ISSUE GETTING THROUGH WHEN I INITIALLY STARTED THE DISPUTE PROCESS BUT THE PROMPTS ARE DIFFERENT DEPENDING ON THE REASON FOR YOUR CALL. 
I WAS GETTING FRUSTRATED SO I COMPOSED A TIMELINE OF EVENTS AND FINAL REQUEST TO GET AN UPDATE ON THE STATUS OF MY DISPUTE / NEW CARD AND SENT IT VIA FAX AS THIS IS THE ONLY OTHER MEANS OF CONTACT AVAILABLE. I SENT THAT ON XX/XX/XXXX AND MADE IT CLEAR I WAS GOING TO TAKE FURTHER ACTION IF THIS WAS NOT RESOLVED. IT IS NOW XX/XX/XXXX AND I HAVE NOT RECEIVED A RESPONSE FROM CARDHOLDER SERVICES. I AM HOPING THIS COMPLAINT WILL GET THEIR ATTENTION AND GENERATE SOME TYPE OF RESPONSE AND EXPECTED TIME FRAME FOR THE FUNDS TO BE CREDITED TO A NEW CARD AS I WAS TOLD.
There are multiple incorrect addresses on my credit reports ( for example - Experian has XXXX social security numbers that are not mine, and a host of addresses that are not mine. ) I have disputed with all three credit reporting agencies. They will also not let me dispute them any more even with proof of my current address and social security card!!!!!!! The only correct addresses are XXXX XXXX XXXX and XXXX XXXX The rest are inaccurate and reporting as such. I have asked for ways they have verified this information, and received nothing other than they investigated and found the addresses to be accurate. I just want the inaccurate socials and addresses removed!!!!
Chase is charging overdraft fees for account being negative 3 hrs. Account shows positive at XXXX cst and then goes negative by XXXX. If I cover the negative amount the same day they still charge me the fees.
They make a payment due on the XX/XX/XXXX of the month and then if you make a payment after the 16th they may or may not apply it to the next month. I made a payment to them on XX/XX/XXXX and XX/XX/XXXX of XXXX and XXXX for my XX/XX/XXXX. payment., Then I made a payment on XX/XX/XXXX and XX/XX/XXXX of XXXX and XXXX for my XX/XX/XXXX payment. Then on XX/XX/XXXX I made a payment of XXXX dollars for my XX/XX/XXXX payment. Now they are saying that I have to pay them another XXXX by XX/XX/XXXX or they will charge me {$37.00} late fee. They will not wave this. They said that they charge us on the XX/XX/XXXX, but they do not close out the month until the XX/XX/XXXX so any payment made before that date gets applied to the same month even though I had already had a bill for that month. I should be able to make a payment for the next month as soon as the due date for that month has passed. This is a ridiculous business practice one it seems like they do just to generate late fees. I have to pay my bill when I have the money. I am thinking about starting a lawsuit against them for unfair business practices. We get paid on XX/XX/XXXX and I want to make my XX/XX/XXXX but low and behold it wo n't be applied to XX/XX/XXXX!  Ridiculous!
Equifax confirmation number # XXXX I requested a investigation into 2 items on my credit report. 
They are the following items XXXX XXXX XXXX XXXX XXXX Equifax dispute results were these two items no longer reporting them on my credit file.

This is false or they reinserted them without notifying me because I just pulled my credit report as of today and they are still reporting them.
An account was opened on XX/XX/2016, at  Southwest credit. I called this company on numerous occasions disputing this. The debt in question was a utility bill for an address that I've never lived at or been associated with. The amount was {$380.00} I would like any assistance you can offer.
I filed to get a ibr with navent and XXXX both service federal loans. Each are charging 15 %  of my income which together is 30 % of my income. My take home for a single with XXXX dependants is XXXX per month. How Im i to afford XXXX total per month to the federal government per month. Im already getting XXXX  benifits because all my current income is going to bills. Do I also need to apply for money assistance job and family services to offset what the federal are taking? The cost of living is already XXXX a month in bills so I can't live independent. Are they trying to make us homeless?
It's time to stop Equifax from being a credit reporting agency! they are constantly lying, and not responding ending dispute investigations on their own discretion.
A woman called me at work and claimed I had criminal charges pending regarding bad checks I have written in XXXX XXXX. When I told her I do n't have checks I was transferred to a supervisor who immediately started yelling at me. It was an old payday loan. " DO YOU REMEMBER NOW? '' I asked them to not call me at work. She said, " We can call you anywhere, anytime, and all day! '' I tried to tell her I had already settled with a debt consolidation company. She would n't let me talk. She yelled over me and interrupted me, basically called me stupid saying " you ca n't sell debt! '' She proceeded to say they are pursuing legal action in XXXX XXXX and I can stop the process if I pay them now. Very hostile, rude, and would n't let me speak or ask questions. She said I would be served papers the next day. I said thank you and hung up. I have received no papers. They continue to call me at work first and then my cell. I believe this is a fraudulent attempt to get me to pay on an old debt. They claim to be XXXX XXXX XXXX, but I ca n't find anything about them online. The number is XXXX, and the only things that number pulls up online are complaints of attempts to collect an old debt through harassment and threats.
Hello, On XXXX/XXXX/XXXX I was utilizing Citi Cards website, signed into my personal credit card section. They advertised an opportunity to sign up for a promotional APR for their Citi Dividend Mastercard, with the following terms noted - Must sign up no later than XXXX/XXXX/XXXX XXXX XXXX XXXX APR for new purchases, excluding a few items like balance transfers and fees XXXX XXXX XXXX APR good through XXXX/XXXX/XXXX I clicked accept on the offer and my account page reflected the same. 

I re-reviewed the offer as i do n't tend to carry unpaid Credit Card balances, so ensuring the promo specifics was a high priority for me. Everything was as I understood, and I logged off for the evening.I generally wait until the next business day before utilizing any offers like that to ensure there are no timing issues ( i.e. it goes into effect next business day ). 

After planning some purchases with my wife later that night, i logged on this morning XXXX/XXXX/XXXX to validate once again the terms set forth by Citi prior to making my purchase. However upon visiting the my offers section the offer now said it was valid only for purchases made THROUGH XXXX/XXXX/XXXX, which is 100 % not what it said previously. 

I assumed it was a display error, so called Citi to validate prior to making my purchase. They advised they only saw the offer showing for purchases made through XXXX/XXXX/XXXX. I explained the situation and the rep had her manager reviewer, but they both said they saw the same thing. 

This is extremely upsetting as Citi has essentially lied to me in an effort to encourage me to make large purchases, knowing i 'd be subject to a high APR on those purchases. I do n't understand how this can happen with such a large financial services company. 

I asked the representative to escalate further with a few validation questions. 
Why would i be able to accept an offer that expired that same night - do all of their offers allow you to accept them until the date they expire? Why was it still showing on my available offers today ( XXXX ) if it had expired? 

I 've never complained about a credit card before, but being lied to is beyond what i can accept especially from a financial company.
Select Portfolio Servicing is supposedly the servicer on an alleged loan. Whether there is a loan or not is not at issue here. On XXXX XXXX, XXXX, SPS modified said loan on behalf of the " owner of the note ''. At the time, this was supposedly some version of a XXXX Bank XXXX. On XXXX XXXX, XXXX, some random company called XXXX sent a letter stating SPS was actually the owner of the note. I would like to know what exact insurance payouts were made on this account please by whatever 3rd parties or government entities may have insured the note, mortgage or related documents. I would also like to know if TARP funds were used towards any portion of this account please.
Bank of america started an application for my home refinance. At the time of application my FICO was XXXX. They told me that XXXX of the delinquencies of a small $ amount due to miscommunication with XXXX of my lenders while as I was out of country was told to me as a non issue as long as I could provide a letter explaining the delinquency. In the process of lending, after the appraisal was done, the originator of from Bank of America suddenly asked the letter to be sent by the lender who had this delinquency. They changed requirements in between. More importantly appraisal showed significant equity in the house and my FICO is good. Originator from Bank of America abruptly stopped the deal. This led to waste of my appraisal cost. Also, I think this is a case of discrimination given after he received information on my race and nationality, they decided to flip on original decision. Would like to formally complaint and would like to seek damages in the amount of at least $ XXXX ( net present value of money I would have saved by refinancing at lower rate ) and appraisal cost of {$500.00}. 

Thanks! 
XXXX
Dear Board : In XXXX a series of emails ( XXXX ) went between my email and XXXX XXXX, an investment company in XXXX, requesting a distribution of {$35000.00} from my retirement account. I never initiated these emails nor were they visible in my email program. XXXX distributed the money by wire to a fraudulent account in a XXXX Wells Fargo account. This account was set up with my information but another name on the account, unrelated to me. I was made aware of this when I received a letter from XXXX acknowledging the distribution. I emailed, then called immediately denying that I had requested this payout. XXXX was made aware of the error/theft and I immediately went to our local Wells Fargo bank with the police. A search warrant was issued and the money/wire transfer was traced. 
XXXX, Wells Fargo, and XXXX have fraud teams working on this and to date I have all but {$4000.00} back in my account. However, several regulations were broken. XXXX is obligated to confirm by phone that I had requested this. They did not. The hacking of the email appears to be from their end, not mine, per the forensic IT department that I hired. Wells Fargo did not do their due diligence in setting up the fraudulent account. How can an account be set up with my credentials in XXXX in XXXX? Then they accepted a wire transfer with my name on it into an account with someone else 's name on it. Our local police say it is out of their jurisdiction now since it crossed state lines. So who is tracking the criminal? 
No one has assured me that I will recover all my money. No one is taking responsibility at being at fault. But both companies did not follow regulations and rules. They need to be held accountable.
I have been sued and currently have a judgement filed against me for a debt that I know nothing about for a whopping {$2000.00}. I would be fully aware of owing such a large debt. Clearly as far as I am concerned there is a huge error somewhere and I would be a complete fool to agree to a debt that I know absolutely nothing about. I have disputed this judgement that showed up on my credit report reflecting a filing date for 2012. The judgement fell off my report without a problem because no original documentation could be provided proving that I owed the debt. A few weeks later I received a return letter in the mail seeking to garnish my wages from the same company. I went to file a motion of installment to protect myself and to stop the garnishment from moving forward. I work very hard to provide for my family and I am going to protect myself as well as my family with everything that I got. It is clear that unfair practices and fenaglining of legal documentation by this agency has taken place as evidenced by a spa being listed as the plaintiff on legal documentation that I have retrieved. Clearly this is abuse, deceptive, and unfair in reference to The Fair Reporting Act. Agencies like this, in my opinion should be put out of business immediately. I do not take playing with my livihood lightly and I earn every penny that I make for my family and will not be victim to unfair practices. This needs to be resolved immediately. My next step is the XXXX.
I WAS CHARGED FOR SEVERAL CHARGES ON MY CAPITAL ONE MASTER CARD. I CALLED INTO CREDIT CARD TO FILE FRAUD COMPLAINTS AND THE CREDIT CARD COMPANY SAID THAT IT WAS TOO OLD AND THEY COULDNT HELP ME, WHICH I DONT UNDERSTAND BECAUSE CHARGES WERE SUPPOSE TO BE FILED IN FRAUD BACK IN XX/XX/XXXX AND XX/XX/XXXX WHEN I FIRST SEEN THESE CHARGES ON MY STATEMENT AND I REPORTED THEM RIGHT AWAY, BUT NOTHING WAS DONE. PLEASE HELP ME TO GET MY MONEY BACK FOR THESE FRAUD CHARGES ON MY ACCOUNT. I AM A XXXX XXXX AND I LIVE ON A FIXED INCOME AND I HAVE BEEN NEEDING THIS MONEY BACK FOR A VERY LONG TIME NOW. I WILL LIST ALL THE CHARGES ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX THIS IS A TOTAL OF XXXX THIS IS ALOT OF MONEY THAT WAS TAKEN FROM ME. PLEASE TAKE INTO CONSIDERATION MY REQUEST FOR RECOVERY OF MY FUNDS. THANK YOU
XX/XX/18 sent {$200.00} to scammer. Noticed same day it was not a good sale. Tried to request money back XX/XX/2018. No luck from scammer. Called my bank XX/XX/18 to dispute they stated it would take 10 days for a result. Called XX/XX/18 to check status bank stated they found no error and sent paperwork explaining why on XX/XX/XXXX.
Wells Fargo charged their own auto insurance when I already had one in place causing my payments to go to the insurance that WF placed instead of the loan itself. This caused the car to be repossessed. This was done knowing I had given a large down payment, caused a lot of confusion in the numbers, and WF made it very difficult to try and get everything straightened out. WF 's actions are deceiving.
On or about XX/XX/XXXX, I received in the U.S. mail a one page letter from " XXXX '' credit reporting company in XXXX, Georgia. That even with my final Divorce Court Order decree dated around XX/XX/XXXX, California Family Law Court Case number XXXX XXXX awarding 100 % of my former Single Family Residence to my now Ex-wife effective the date of the signed Court Order. " XXXX '' refused to lawfully " Delete '' the subsequent " Foreclosure '' negative entry off of my " XXXX '' credit report after my now Ex-wife stopped paying HER mortgage sometime in XX/XX/XXXX. " XXXX '' told me to contact the former mortgage lender named " Ocwen Loan Servicing, LLC '' out of XXXX XXXX XXXX, Florida. And I did so in writing. On or about XX/XX/XXXX, I received a two page letter from " Ocwen Loan Servicing, LLC, '' dated " XX/XX/XXXX. '' " Ocwen '' instructed me that in order to get a " Legal Binding Release '' form to remove the negative " Foreclosure '' entry off of my " XXXX '' credit report that I had to contact their 3rd party " Real Estate Owned ( REO ) '' private contractor by the name of " XXXX XXXX XXXX, XXXX '' out of XXXX, Georgia, which is a publically traded company on XXXX as listed : " XXXX '' ( which is now trading at about {$27.00} per share as of this writing ). And I also did so in writing. On XXXX XXXX-Tuesday-XXXX, I faxed and then mailed a 5 page letter to : '' XXXX '' via regular U.S. mail postage. For nearly 3 weeks I heard nothing back from " XXXX. '' So this time I mailed out a 2nd copy to them via the U.S. Postal Service 's " Certify Mail, Return Receipt Requested '' service on XXXX XXXX-Friday-XXXX. " XXXX '' signed for my letter around 4 calendar days later but still did NOT respond to it. So I called them on their company 's toll free number on XX/XX/XXXX and they said that they HAD mailed out a written response. Then on XXXX XXXX-Monday-XXXX I received a two page written response dated " XX/XX/XXXX '' NOT from " XXXX '' but from " Ocwen. '' In short, they unlawfully " Denied '' my lawful request for a " Legal Binding Release '' form. that I was promised by " Ocwen '' in their original two page letter to me dated " XX/XX/XXXX. '' I OBEYED the XX/XX/XXXX California Family Law COURT ORDER, " Ocwen '' and/or " XXXX '' et al. still have NOT.
The following company : XXXX Address XXXX, MO XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX left a voicemail on my husband 's cellular phone requesting I call them back. My husband called the number from the voicemail and asked if they were a debt collection agency, or a company trying to collect a debt. The employee stated they were a " financial services company. '' Misrepresentation by omission is still misrepresentation. When asked directly if they are a debt collection agency or company trying to collect a debt, they should respond in the affirmative. 

In addition, the original debt holder was notified in writing, return receipt requested, that my wife is represented by counsel in this matter, and to contact only the attorney of record regarding this account.
I have a Barclays XXXX Card with XXXX rewards. At the end of XXXX 2015, I called and made a payment and informed them that the next payment would be for {$2000.00} at the end of XXXX. I called at the end of XXXX to make that payment and they refused several times to accept that payment. They then informed me that I could only pay with an XXXX Bank account. On XXXX XXXX 2015, when those funds were transferred I made a {$2000.00} payment. I then noticed several days later that the credit limit had decreased by {$1500.00} XXXX 75 % ). When I called and inquired about this they informed me that due to financial stress, the credit limit had been decreased. However, this did not align with the information from my credit report and my previous dealings with them. In the past, I called and informed them when I would be making a payment and for how much. At all the stages during my relationship with the customer services representatives, I informed them of what was going on. Upon having this conversation with Barclays customer service, they informed me that due to financial stress the credit limit had been lowered. However, the {$2000.00} payment was the entirety of the balance of the card ( except for {$76.00} XXXX and there was never a payment that was more than 10 days late. If it was late, I always called and informed Barclays that they payment would be made on a certain day upon me getting a paycheck. Never was the payment more than 30 days late and never was a late payment reported to the credit bureaus. The credit reports actually indicated that the card was in good standing.
To Whom It May Concern : I received an alert from XXXX, XXXX  and Transunion about an account being reported by XXXX. Please be advised I have requested validation { not verification } of an item reported to XXXX by XXXX. I have received a response that clearly violates my rights according to XXXX. XXXX did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my XXXX  rights. I am proceeding with legal action as prescribed by law against XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Listed below under Equifax , highlighted there is XXXX account that is still being reported incorrectly as of XXXX XXXX 2016 by XXXX. I have disputed this and they have yet to resolve. 

Listed below under XXXX, the accounts that are highlighted have been removed by XXXX, and all of these accounts are being reported incorrectly as of XXXX XXXX 2016 by Equifax. I have repeatedly disputed this, and they have not resolved.
Ive been working on cleaning up my credit report the last 3-4 months in preparation for refinancing student loans and leasing another car in the next 12 months, however I've been unsuccessful in correcting an error on my TransUnion report. 

I leased a 2016 XXXX XXXX from XXXX XXXX of XXXX XXXX XXXX CT XXXX in XX/XX/2016 and also purchased a 2016 XXXX in XX/XX/2016 from them as well. 

What Ive found is that TransUnion has been counting those 2 transactions as 7 hard inquiries on my credit report ( see attached ). I understand that the credit reporting agencies should have only counted these 7 inquiries as 2 because they each occurred within 7 days of the lease/purchase transaction, but that didn't happen in the case of TransUnion. When I called them a couple of weeks ago they told me that regardless of the way they report it, it counts only as 2 inquiries as far as they are concerned for the purposes of their credit score. They refused to take any further action. 

I recently requested an increase on my limit on a credit card with XXXX XXXX and was turned down in part based on information in my TransUnion report. 

While I understand that all these inquiries may roll off the report after 2 years, I cant wait for TransUnion in the hopes that they do it on a timely basis, since they already have shown a pattern of persistently reporting inaccurate information. 

I have attached a report with the corresponding information.
bought phone from XXXX and got a contract ... but got a really high bill {$180.00}. and told the lady that i was not happy and wanted to go back to prepay ... then they cut me off and said i owe {$810.00}. that is crazy