WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a Barclaycard Arrival Plus Mastercard using my legal name on the application. Barclay could not give instant approval and communicated that the application was being processed. I did not receive any other communications or a request for additional information from Barclay. A card issued to my maiden name ( no longer my legal name, and never used on the application ) was delivered to me two days later ; I contacted Barclay to close account due to their inability to process my application accurately and my concern over their misuse of my information. When I contacted customer service I was never notified of any posted charges ( I contacted customer service the day after the card was received and had not set up an account online or activated the card ) and the account was closed. When I asked for confirmation that there was a XXXX balance on the closed account the customer service representative informed me there was a {$15.00} balance on the account for expediting the card. I asked for the fee to be reversed since the card was not issued correctly and the account was not set up using my legal name. The customer service representative said they were not able to waive the fee, and said they would submit my request for escalation.
This company have repeatedly called my family and have discussed the situation and threatened legal action against me. This company already have my information but still continues to harass my family. My family can provide voicemails and call logs of this company violating the FDCPA law. Also this company uses terms like the " civil division of this law office '' in an attempt to scare and cause panic within my family. This company have been sent a cease of communication notice.
Upon being told by the VA that I was no longer able to pursue a career in Chiropractic I then took the steps to have my loans forgiven as I was in the process of becoming a 100 % XXXX XXXX XXXXXXXX Veteran. I had my physician at the VA fill out paperwork certifying that I was no longer able to pursue a career. My injuries sustained while in the service were the reason for me being approved by the VA for 100 % XXXX XXXX XXXX. 

I have submitted all the required forms to XXXX XXXX   including a letter signed by my physician at the VA acknowledging that I am 100 % XXXX XXXX XXXX veteran. Paperwork was submitted in XXXX 2010 return receipt signature required. 

Account # XXXX XXXX {$8500.00}, # XXXX {$20000.00}
Trans Union refused to delete an erroneous item from my credit report even though the public court documents show that the case was disposed. XXXX & XXXX deleted the error promptly. 
They have antiquated ways of receiving supporting documents ( mail and fax only as supposed to online upload ) and their customer service is horrendous. 
Make sure you do not have anything planned on the day you call them : ). It 's going to take forever.
In  XXXX   XXXX  I traded in my  XXXX   XXXX   XXXX   XXXX  for a New  XXXX   XXXX  lease. I was called by the dealership and they told me there was a loyalty program and I can trade 5 months early for a new lease. I told them there were  6 p ayments and I had excessive miles. I was told that here will be no money down and they will take care of all payments and miles. This is th e 4th tim e I have done this in the last 9 years. I signed the new contract at my home and they delivered the new car. 3 Months later I ran my credit and they are saying I owe them {$2000.00}. They first sent a letter in  XXXX  saying I own them {$17000.00} and I told them this was all part of the new lease. I have sen t 2 letter ( attache d ) and I have spoken to  MBZ Fin, they told me the will call me back and I have never heard from them. I have left 3 messages and sent 2 letter. They are currently   showing the payment 2 months late.
In XX/XX/2018, I sent a validation letter to all three credit bureau 's. XXXX responded back stating this debt was not valid, and would be removed. I sent a follow suit letter to Experian, along with XXXX. They as well agreed that this debt was not valid. Upon recently checking my credit report, Both Experian and XXXX have NOT removed this debt off of my report.
CRA VIOLATION / NO KNOWLEDGE OF THE FRADULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT.
My Kohls.com account login was compromised, and my account was used to purchase a large item costing more than {$500.00}. I noticed the charge on my account due to a notification that my shopping account login email had been changed at XXXX XXXX. I attempted to contact the Kohls fraud department, but they were closed, so I called first thing in the morning at XXXX when their department opened. I spoke with one associate to mark this transaction as fraudulent, and called again to confirm with a different associate that the transaction had been marked correctly. However, several weeks later, the charge is still on my account and it seems I will be responsible for the fraudulent transaction.
sent XXXX letters to both parties on XXXX/XXXX/16 and XXXX/XXXX/16 as of today no response of verification of debit. In both letters I asked for signed copy to validate the debit.
Good afternoon, I purchased a home through XXXX XXXX and my home closed on XXXX/XXXX/XXXX after a VERY long drawn out process. My first payment was due to Moria Development on XXXX XXXX XXXX. I reached out to XXXX XXXX to ask how I make my payment and was advised to mail my payment to Moria development. I was told my loan was going to be transferred to a new servicer ( I was not informed of who the servicer would be ). I made my payment early and mailed in a Cashiers check to Moria development which they received AND cashed on XXXX/XXXX/XXXX ( confirmed by XXXX XXXX because I got a letter on XXXX/XXXX/XXXX saying XXXX was taking over my loan as of XXXX/XXXX/XXXX so I wanted to confirm they got my payment ). XXXX XXXX XXXX contacted me early XXXX to advise my payment was late. I let XXXX XXXX know I was n't sure what they are referring to because I made my payment to Moria development and got conformation from XXXX XXXX at XXXXXXXX XXXX that Moria development received the payment. I received a letter in the mail from XXXX XXXX around XXXX XXXX or XXXX stating my loan had been transferred to them as of XXXX/XXXX/XXXX. I am in the middle of a battle with XXXX XXXX and XXXX XXXX to try and figure out resolving this " late or missing payment '' issue. I have been in contact with XXXX XXXX numerous times and I feel my needs are not being met. I was informed by XXXX XXXX at XXXX XXXX that this would be handled and if I had any issues with XXXX XXXX to reach out to them and they will handle it. The last few times I have reached out to XXXX XXXX about this issue it has been ignored. I 'm told someone will follow up with me shortly and nobody ever calls me back or emails me back. I sent an email on XXXX advising I still need help because XXXX XXXX calls and emails me all the time about this missing payment. I 'm not sure what else I can do at this point as my needs are not being met, I was not informed of this servicing transfer until after it took place, I 'm being harassed by XXXX XXXX, and nobody can seem to get back in touch with me at XXXX XXXX.
In XX/XX/XXXX I shopped at a jewelry store in XXXX ( XXXX XXXX XXXX XXXX )  and purchased a pair of earrings using my XXXX XXXXXXXX Bank of America credit card. I was was told by the shop owners the stones were zultanite. When I returned home I took the earring to be appraised to XXXX XXXX XXXXXXXX store and was informed they were not actual stones. 

After several attempts to reach the XXXX XXXX and get resolution ; which did not occur - I proceeded to file a claim with B of A on the {$620.00} charge within the time frame allowed. In XXXX B of A send me a letter with what I needed to do ( see attached dated XX/XX/XXXX ). I complied will all the documents required per the letter ( see attached my letter, XXXX XXXX letter and copy of receipt ). 

on XX/XX/XXXX B of A sent a letter to me stating my dispute was not valid for the following reasons ; " we didn't receive documentation stating what you were supposed to receive and how it was different from what you received ''. I contacted B of A fraud department and spoke to XXXX in Tennessee ; where I was told " you did not send an itemized receipt '' no where in their letter requiring documentation did it ask for a receipt and I included the merchant XXXX slip along with photos of the earrings. I was told I needed a detailed invoice showing exactly what was purchased ; when I asked where this is listed in original letter I was not provided a response, just canned we needed detailed receipt. I requested to speak to supervisor and they stated would call me back. After waiting 10-days with no call I contacted fraud department again this time being connected to Utah and spoke to XXXX. She reviewed my documents, stated she would re-open the file as appeared everything requested was received. 

After 14 days I received the letter dated XX/XX/XXXX which again denied my claim based on the same canned verbiage " we didn't receive documentation stating what you were suppose to receive and how it was different from what you received ''. 

One of the reasons I utilize the B of A card when traveling is to have added protection for issues such as this fraud claim. I have been a loyal B of A customer for over 20 years, never filed a fraud claim and it appears they contract with 3rd party entity to prevent paying out claims.
Hello, I have XXXX accounts and XXXX public record item appear on my credit. I brought the errors to the attention of the Equifax personnel. I received an updated credit report from them ( Equifax ) advising me that XXXX of the accounts had been deleted from my file according to my credit report dated XX/XX/2017 Confirmation Number XXXX, however i pulled a recent copy from their site and it states otherwise ... .. the accounts say they are in dispute. 

I am requesting that Equifax clear the errors and remove the false and inaccurate information from their database once the information is verified and removed from my credit it will not be re inserted. 

XXXX Account Number XXXX XXXX Credit Account Number XXXX US Bankruptcy Case or ID # XXXX
This company XXXX/XXXX XXXX is reporting different payment history which FCRA requires all information to be reported must be 100 % accurate. Due to these inconsistencies I demand that this item be removed from my report.
XXXX card sent me an invoice in XX/XX/2017 for about {$100.00} so I sent them a check for the full amount, although only {$25.00} was due. 
They sent me a late notice in XX/XX/2017 with a penalty. I assumed their notice crossed in the mail with my check, so I didn't pay it. They then sent me a late notice in XXXX with another penalty - saying I now owed {$160.00}. I realized they must never have gotten the original payment I made ( we were having mail problems at the time ) so I sent XXXX the money with the late payment. They reported a late payment to the credit reporting agencies, as of XX/XX/2017.
I sent mail to all three credit bureaus informing them that the information that they have on my credit report is not accurate. I sent along with that letter of dispute to them a bill with my current address and a copy of my driver license. They have me with three different addresses that I no nothing of and the I want that false information off of my report. The time that I sent the letter of dispute was XXXX of XXXX. And I have still not received or heard back from them. I also informed them at XXXX that the collections of {$1200.00} that they have on my name is not me. This happened XXXX XXXX, XXXX. And I told XXXX XXXX XXXX also on XX/XX/XXXX that they also have a false balance on me for {$900.00} that I known nothing of and that it needs to be removed. Have not heard back from them as of today. Also XXXX has a collection on my name that I don't know about as well and I asked them to remove it to the balance of {$190.00}. XXXX XXXX. And XXXX XXXX XXXX XXXX I sent them a letter of dispute on XXXX XXXX, XXXX disputing the fact that they have the wrong information on my credit report. I never have taking a loan from them at and to please take my name off of the credit reporting agency for {$8.00}, XXXX I have never dealt with them.
I had an account with XXXX XXXX ( part of Coinbase ) and had {$10000.00} in my XXXX XXXX account when, on XX/XX/18 they notified me via email that they were closing my account. They stated that I need to withdraw my funds from my account, but I was unable to login to my XXXX XXXX account to do so. 

This case did not involve digital currency at all, simply a USD wire I sent from my verified XXXX XXXX XXXX account that has not been returned. 

I called Coinbase 's customer support line and described how I was unable to withdraw my funds from XXXX XXXX, and asked to speak with a representative with XXXX XXXX. They stated that XXXX XXXX had no customer support phone number, but that they would assign a specialist to my case and due to the nature of my issue, they were going to " escalate '' my case for quicker response. They told me I should expect an email from XXXX XXXX " within 5-7 business days '' to work with me to resolve the case. I then received an automated email right after the phone call stating that they have opened the ticket for my case. 

After about 2-3 weeks, I had no calls or emails to follow up on the case, so I called again and emailed again and they said again that it was escalated and awaiting response by specialist and sent another automated email each time. For the next 6 or so weeks I repeated this and still got the same response and no resolution. 

It has now been 57 days since my account closure with no contact with a representative to send my funds back to my account. I think this is an unacceptable treatment of a customer. I have attached my email correspondence with Coinbase Support since my XX/XX/18 account closure notice.
To Whom it May Concern, I have recently obtained a copy of my credit report that reflects a credit inquiry made by your company that I do not recall authorizing. 

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have this unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.
I XXXX, have lived in the apartment at XXXX XXXX XXXX, XXXX XXXX XXXX, SC for 6 years, with the same carpet flooring and same painted walls without an upgrade to the apartment which should have been done every XXXX years. Your letter is claiming I created this debit for upgrade to the apartment after I have moved out and not in a court of law but through the credit reporting process. 
However the documentation they sent fails to show in detail what was my responsibility verses the everyday wear and tear for the 6 year time frame I occupied the apartment. and the responsibility of the XXXX XXXX to maintain adequate carpeting and painting of an apartment you rent from the after you move out of the apartment
" Agent '' XXXX XXXX called me at work and threatened to seize all of my assets and remove money from my bank account and If i would not give out my bank information then I needed to retain an attorney, The decision needed to be made today that would impact my life and if I did n't act fast they he would make sure I would be bankrupt.
Filed suit against me in XXXX County Court of Common Pleas. Negotiated settlement with XXXX dollar down payment and XXXX dollar monthly payments. Made XXXX monthly payments on time. Since then have not received any verification that debt collector received my payment, no communication via mail, and phone number is out of service.
I graduated University XXXX XXXX in XX/XX/XXXX during this time XXXX kept pressing to take out more loans putting pressure on you in order to graduate. After graduating the job market fell I could only afford so much but XXXX XXXX now know as Navient kept pressing me to put it in forebearance. I had to do that up until XX/XX/XXXX when I finally got a job and I have to keep calling and spending a lot of time on the phone to keep my payments low. They asked for {$180.00} a month so I was paying {$200.00} with my last payment as of XX/XX/XXXX only to receive an email stating that my payment was due. I checked the website and I also called to find out that my payment had been reinstated and that aTotal Payment Due : {$800.00} Current Amount Due : {$500.00} and I have a Past Due Amount : {$290.00}. The customer service rep I talked to said that my 2 year lower payment time was over but I had never received any notifications from them and they always add late fees and if adding up late fees from all the previous times they have done this to me it will add up to over {$2000.00} in late fees when I was never late with one payment. 

This does not include the fact that they increased the interest rate from 2.65 % to 6.8 % so when I asked about that she stated that is because I could not pay the amount they want for 6 XXXX loans they carry. When I commented on the interest and stated to this rep " So they pretty much just raise the rate when they feel like it because you can not pay the large payment they request every month '' Her answer was yes they do so I think they need to be investigated for this.
RE : XXXX XXXX XXXX XXXX. XXXX Illinois. 

I was told that I was required to get preapproved by their in house lenders. Another lender told me that I should have received an XXXX at time of referral but I did n't. 

My email to the agent also went to their lender, Guaranteed Rate, without my knowledge. I received a call from both the agent and the lender without authorizing the call.
I was a victim of identity theft on or about XX/XX/2016. At that time, I got a bill from XXXX for new cell phone service and an iPhone. I have never had service with XXXX and have never owned a personal iPhone. I contacted XXXX and filed a fraud report. I reported the fraud to my local police station as well. XXXX quickly determined the charges against my credit card were fraudulent and relieved me of any responsibility for payment. 
I initiated credit monitoring with Equifax in XX/XX/2016 after the identity theft incident. I noticed XXXX had run a credit check on me pursuant to the fraudulent phone and service purchase. I spoke with an Equifax representative regarding removal of the credit report. He told me that XXXX would need to contact Equifax to confirm that the credit report had been run pursuant to fraudulent activity. I called XXXX and their representative said that this information had already been provided to Equifax. However, when I spoke with Equifax, they said XXXX had never contacted them and that they would not accept a letter I had received from XXXX as proof that the credit check had been run as a result of fraud. I called XXXX back and they said that since they had already provided the information to Equifax, they would not do so again. I disputed the report with Equifax but they refused to remove it.
Collection efforts after debt was discharged in CH-XXXX bankruptcy. Creditor sent debt to XXXX Collection on XXXX. Continued collection efforts, placed deragatory information on me credit report On XX/XX/XXXX and again on XX/XX/XXXX. Information was in VIOLATION of AUTOMATIC STAY US Bankruptcy code. Deragatory remarks must be removed from CRA 's immediately due to being AFTER the Discharge of the debt.
An overseas representative at Chase Bank illegally and illegitimately flagged my account for fraud and charged off my account after I requested to speak to a supervisor. Chase now refuses to correct the issue, and has been holding my money for more than a week. Chase refuses to investigate this employee or undo this. Chase 's rogue employee has severely damaged my business, my credit, and has violated innumerable laws. The complaint originated because Chase has not been recognizing deposits or transfers from other banks in a timely manner, and has thus charged overdraft and associated fees. Additionally, Chase was requested multiple times to stop charging an administrative fee which did not even apply to my account. Since this fee was never removed or credited, all of the other overdraft fees are invalid, since once reapplied, the account was in a positive balance at all times. Additionally, at the time of the closure and charge-off, Chase was in receipt of more than {$3000.00} in direct deposits and instead of recognizing them in a timely manner as proscribed by law, they instead closed and charged of the account, and only recognized the deposits at XXXX, subsequent to them flagging, and charging off my account. This all happened in a XXXX hour period overnight.
TransUnion continues to report bad and incorrect infromation on my credit report regarding XXXXMortgage., Acct # XXXX. TransUnion is reporting that, 'Legally paid in full for less than the full balance '. This is incorrect, as the BALANCE WAS PAID IN FULL and there was not a settlement for less than the full balance. Supporting documentation attached
On XX/XX/XXXX XXXX XXXX with XXXX XXXX XXXX called a family member of mine looking for me. They told her I owed a debt ( {$580.00} ) from an old bank account ( XXXX ) that had been closed in XX/XX/XXXX. They told her they were trying to find me to subpoena me to show up in court and sue me for the money. They also told her if I did not contact them that I would be arrested. I called Wells Fargo first and told them this. They told me I did not owe them any money. Wells Fargo fought XXXX several years ago. I then called the number that called my family member. They told me the same things they told her. I told them I know it is a scam and I will not be paying them.
The issue is I purchased a house in Louisiana I XX/XX/XXXX and shortly afterward I joined the military. Since I got stationed in XXXX. I allowed a family member to stay in the house under the condition she would pay the mortgage. Unfortunately she was n't paying the mortgage and I did n't find this out until XXXX XX/XX/XXXX she had n't paid for 42 months. But it was too late for me to rectify the situation. The mortgage was already XXXX dollars in the behind and I do n't know. I had n't received any notification from the mortgage company. Nothing was showing on my credit report. Now the bill is close to XXXX dollars. Nevertheless the mortgage did n't foreclose because I was a military member. So I tried to make some type of arrangements to get the back mortgage under control, but the mortgage company refused to accept any payment less that XXXX dollars, but wo n't foreclose on the property either. I then tried to surrender the property back, but I kept getting the run around and then finally denied for information for not providing information when I did provide it. So now all the property is doing is accruing debts. I have the house up for sell, but now the mortgage representative are lying to my real estate agent saying that ca n't give her a BPO without me revoking my cease and desist. They are using the fact that I 'm in the military as a loophole to allow the property to get deeper and deeper debt. I 'm not even stationed in the state that the house is in. The mortgage company is making every attempt to make any resolution to this issue impossible. The company is trying to force me into a Loan modification.
The credit bureau has placed a FRAUD ALERT, SECURITY FREEZE and/or EXTENDED SECURITY FREEZE/FRAUD ALERT on my credit file. I do not want a security freeze, fraud alert or extended fraud alert/security freeze on my credit file.
I have received refunds from two companies but the credit card balance has not been updated one from XXXX XXXX XXXX and one from XXXX XXXX. American Express has a history of accepting payments or credits but not updating the balance.