WillisBack/dataset-financial-user-claim huggingface dataset:
I lost my debit card approximately around XXXX through XXXX XXXX based on the last day i had it in my posession for sure. During XXXX XXXX and XXXX XXXX, My debit card was used several times more than XXXX miles away in Texas to charge over XXXX dollar of merchandise. Upon noticing the unauthorized transaction when i was checking my account online, i contacted my bank to report my card lost and stolen. The person on the other line made mistake and wrote that i had my card in my possession which was not true in fact I stated i dont have my card and that when i knew my card was stolen or lost and used by theives. XXXX weeks later i got a letter from claims dept that they denied my request because i stated the card was in my possession and the chip card are hard to clone so based on the false info that i had the card in my possession they denied my claim. I spoke over the next XXXX weeks with several member of claims dept telling them that first i never stated i had the card in my possession. from the letter that was the main reason for the denial. I was suppose to hear back from XXXX who were going to listen to the conversation i had when i first reported my card lost and stolen. Nothing happend with claims dept as they never bother to look into this huge error. I was told lie multiple times that someone from claims dept will look into this. A month later at beginning of XXXX, i contacted the corporate office of union bank to find someone to report my complaint against the claim dept and the lack of response from anyone from the bank. After a week, i was finally able to speak with someone that handle consumer complaint. They got access to the first phone call and agreed with what i had said about not having the card in my possession. They said the person made a mistake and they would fix it and reopen the claim so i can get my money back for the unauthorized fraud transaction. The case was sent to the office of the president because the claims dept still refuse to do anything with the denial case and now had a different reason to the denial. It appears they like to change their reason as new evidence surface about their lack of honesty, mistake and anything else that surfaces. The office of the president look at the denial letter which clearly states the reason for the denial based on false statement from the person that i spoke with. THey look at the tape of my conversation with XXXX or XXXX member of claims dept who promise me to look into the matter but never bother doing anything and never bother to call me as they promise about the claim. Someone at the claim dept are trying to cover their mistake by false and misleading statement because admitting to their error is worse with everything they have done to waste my time. I want my money they took from my account for those unauthorized transaction someone made on my debit card. THe bank is XXXX bank.
I pulled my   XXXX   And  XXXX  credit report in  XXXX   XXXX  and noticed   XXXX   XXXX   and  XXXX   XXXX  showing as credit cards belonging to me and that had charged off. I submitted investigations 3 times with   XXXX   stating this is not my account and with  XXXX  3 times stating the same, not my account. I have faxed and mailed copies of my id and ss card each time. Each time it comes back verified. I called  XXXX  credit card company and was told 4 times with the latest being today that they could not find an account with my name on it or the account number. I spoke with  XXXX  she states not sure how to stop it from reporting as they have no knowledge of it. She said they didnt have a fraud department she could only take my number and have someone call me back. I spoke to  XXXX  at   XXXX   today she states she cant remove it because   XXXX   is confirming it. She states no proof received only " confirmed ''. I want his removed from my credit as it DOES NOT BELONG TO ME. She states nothing she can do.       XXXX   XXXX  - I have called several times and I cant reach anyone as my ssn or the account number on the credit report " doesnt match their files '' so the automated system hangs up due to no match found. I have disputed 3 times with   XXXX   as well that this is not my account. This last dispute on  XXXX   XXXX , it states " updated from my dispute '' but nothing changed! I 've faxed letters asking to provide proof it belongs to me or delete and nothing happens. Just " verified ''. They (  XXXX  or  XXXX  ) will not provide proof and I have did all I can do.     I also advised   XXXX   the following Inquiries are fraudulent /not authorized by me :  XXXX -  XXXX / XXXX / XXXX   XXXX  -  XXXX / XXXX / XXXX    XXXX   XXXX  -  XXXX / XXXX / XXXX   XXXX   XXXX    XXXX    XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX  I advised   XXXX   the following iquirie s are fraudulent/not auth orized by me :   XXXX   XXXX   XXXX   XXXX   XXXX  via  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  &  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  I need this to be corrected and removed from my credit reports.
I joined XXXX XXXX  gym in XX/XX/2018. When joining I asked about a specific clause in the membership agreement that allowed for cancellation if you moved 25 miles from the gym. The representative, I believe his name was XXXX ( but not the XXXX that owns the gym ) ensured me that this was accurate. I moved ~30 miles from the gym in XXXX. I followed the cancellation policy and certified mailed my proof of address to the 3rd party billing company, NAC. NAC contacted me a few weeks later and said that my request for cancellation was declined because I had not moved 25 miles from my previous address, just from the gym. I wouldn't have signed up had I not been explicitly told contradictory terms. I was told that they are merely the billing company and to essentially take it up with the gym. So I took it up with the owner of the gym. He signed a termination agreement which I forwarded on to NAC. They refused to accept it by stating that XXXX XXXX was not the contract holder. Over the course of our correspondence, I have received an email stating that they ( NAC ) are not the contract holder nor is the gym itself and thus I am unable to cancel my agreement. They refuse to tell me who I supposedly have a contract with. As you will see on the attached membership agreement, I did not willfully enter into any agreement with any person or company other than XXXX XXXX and NAC.
On XX/XX/XXXX-XX/XX/2018 I responded to an add on XXXX for ( 2 ) wristbands to XXXX music festival. The seller let me know he or she had two wristbands still available for {$550.00} each. We then began negotiations on payments and arrangements moving forward. We agreed to use XXXX, a payment method through out banks. Not knowing much about it I trusted it since it was through my bank and if anything happened I could go to them to fix the problem. We agreed that I would send the first payment of {$550.00} in the beginning and the other {$550.00} once I had the wristbands. But throughout the day with threats of keeping my first payment and to not send the wristbands I eventually sent the rest of the money in two separate payments of {$350.00}, and another {$200.00} all through XXXX. Once the full amount was paid I stopped hearing from the seller and when I tried to call the cell phone had been disconnected. Know I had been scammed I contacted my bank to see if there was anything I could do or if I could even file a claim. After calling multiple times and talking to numerous employees they all said the same thing, since I willingly sent the money they can not do anything. Then they would go on to say to just alert the police and reiterate that there is nothing else they could do. I trusted the bank to have my back and they didnt.
In XXXX of XXXX, I opened a Health Savings Account ( HSA ) with Bank of America at the following website : myhealth.bankofamerica.com At no time during the set up of this account was any information regarding fees directly presented to me. Shortly after setting up this account, I received a debit card and and two pamphlets in the mail. The first pamphlet was an agreement pertaining to the debit card. 

The second pamphlet was entitled " Bank of America Health Savings Account Custodial Agreement. '' On page XXXX of this agreement is a section entitled " Article VI. Fees ''. The first sentence reads " You agree to pay the applicable fees as set forth in the enclosed Schedule of Fees ''. At this point, I would like to emphasize that there was NO SCHEDULE OF FEES ENCLOSED, only the two pamphlets and a cover letter. 

Once my checking account had been linked to this HSA account. I made a contribution of {$1000.00}. I did n't log back in to this account until XXXX of this year ( XXXX ). From the time that I opened the account until the time I logged back in ( over four months ), I DID NOT receive any correspondence from Bank of America. I did not receive any emails from them letting me know that a quarterly statement was ready for viewing online. 

After logging in to make another contribution, I noticed that my initial {$1000.00} contribution had been reduced to {$980.00}, and I was outraged to say the least. Bank of America is using deceptive tactics on their website that is nothing short of criminal. I feel like I was robbed and violated on a continuous basis for the several months the account was open. I immediately closed the account and rolled the remaining money into a much more consumer-friendly institution -- XXXX. The final amount I got back from Bank of America was {$960.00} -- a disgusting amount from a disgusting company. 

Because I was NEVER directly shown any schedule of fees, either online or in the information sent to me in the mail ( which informed me that it was enclosed ), AND because they never informed me by email that a quarterly statement had been prepared, I feel that all fees should be returned to me. Had I seen the quarterly statement they prepared in XXXX, I would have promptly closed the account. 

I should note that the schedule of fees is " available '' online, but you have to dig to find it. AND It is NEVER presented to you in a clear and fair way while setting up the account. I would also like to point out that their Custodial Agreement does say that I would be notified when statements are ready -- this never happened. 

It really is shameful, and I am surprised that these tactics are legal. It 's as if I bought a car, but the dealer never told me how much it was and secretly withdrew whatever he wanted from my bank account every month -- forever. 

Thank you for your time, and I would appreciate any help with this matter. It 's not a lot of money, it 's the principle ( no pun intended ) of the matter, and I do n't want this to happen to anyone else.
During the XX/XX/XXXX firestorm, we fought and saved our house with minor damage to the structure. However, there was significant damage to ancillary structures that we built with our own money, after receiving the initial mortgage from Quicken Loans. Our loan amount is less than 20 % of the appraised value of our home, so the company has more than enough equity protection. Our insurance company is XXXX, and they have been extremely cooperative in this process. We have " replacement value '' coverage with them. They have given us checks for the depreciated value of the two buildings in our name and in the name of Quicken Loans. Quicken loans has retained approximately {$7500.00} of that money. To collect the difference between the depreciated value and the cost to replace, the policy requires us to pay, out of pocket, to replace the lost structures. As we do this, we receive reimbursement from XXXX, but with Quicken Loans as an additional payee. We simply can not get Quicken Loans to reimburse us. We can not get answers from them unless we call, and the wait times are ridiculous.
Equifax failed to take proper safeguards on my personal financial information, and the financial information of 143 million others. 

After learning about the breach, but long before they notified the public, company leadership started selling off their stocks. This is unacceptable. 

All aspects of this breach, including the insider trading, must be fully investigated and Equifax must be held accountable.
Contacted Navient to get a head start on the topic. My student loan is currently still in grace period and starts on the XX/XX/XXXX. I owe {$27000.00} from a loan I originally only took out XXXX. It has built so much interest since I have been in school since 2010. I have been making the requested {$25.00} dollar fee to keep the interest from going up, however my rate is currently at 12 %. I have a son and am the breadwinner for my home and Navient expects me to pay {$400.00} dollars a month on the loan. I called and tried to get the loan amount down with no such luck. The only option that was offered to me was the filing for forebearance with no other available options. I am so stressed and dont know how we will survive ... trying to get as much help as possible and figure out the best options. This is not even including my fed loans either.
Capital One closed XXXX of my credit cards without notice or consent. Two years of credit down the drain with dramatically affected my credit score. Policy of return payments is not explained properly and when cards were closed I was not given notice in any form until I went to make a purchase AFTER I paid both of the card off in full. Also ; I still have not received my security deposit as they were secured credit cards ; equaling in the amount of {$440.00}.
Per my XXXX credit report last checked on XX/XX/XXXX Confirmation # : XXXX there is an account that should not be on my credit report. I have tried 5 times in XX/XX/XXXX to remove a XXXX XXXX XXXX account from my credit as inaccurate information is being reported. I have found a major discrepancy and I have tried many times to correct the issue directly with XXXX XXXX XXXX and XXXX as well but have gotten no where with the issue. The date of first delinquency on this account is incorrect. Back in XX/XX/XXXX the car that I had financed at the time through XXXX XXXX XXXX was repossessed. For some reason they are reporting to XXXX that the date of first delinquency was on XX/XX/XXXX. It is impossible for a car to be repossessed by the bank if the consumer is not past due therefore the date of first delinquency is incorrect. The other inaccuracy I found was that the 81 Month Payment Chart does n't even match the date of first delinquency. For the 81 months shown on the payment chart it is full of NR ( Not Reported ) or CO ( Charge Off ). On the 81 Month Payment chart on XX/XX/XXXX which is the supposedly date of first delinquency Westlake Service reported NR ( Not Reported ). If I were delinquent on that date the 81 Month Payment chart should reflect a 30,60,90,120 etc showing some sort of proof that I was late. The information that they are reporting within itself does n't match. Let alone it is the incorrect date. If the account would be reported correctly with the correct date of first delinquency being XX/XX/XXXX when the car financed was repossessed the 7 years from that date would of been in XX/XX/XXXX meaning that this item would no longer even be on my credit report. Please review the details of this account carefully as you will find exactly what I am referring to and see that this account should be removed from my XXXX  report. I have made several attempts in the past few months to contact Westlake Services and the lawyer they hired to hand my case on their behalf and have not had any resolution from them. The lawyer that they had hired to handle my file was XXXX XXXX XXXX XXXX XXXX  located in XXXX, FL. That lawyer is no longer in business so I have no one to contact on their end. Everytime I call Westlake directly I try and speak with them but they say that they can not talk to me and someone from their special handling department will contact never does. Do not understand how I can communicate with them to have this issue resolved if there is no point of contact on their end. One last thing I would like to add is that XXXX and XXXX removed this account on their own as they had the correct information being reported at the time and automatically removed the account at the 7 years from the date of first delinquency. XXXX is the only bureau with the problem.
In an attempt to open an account, I waited the time frame I was told, but never received a response. I then contacted the financial institution and was told I needed to email identification. I complied and sent the information ( Passport and Drivers License ). A few days later I still had not heard anything, so I again contacted the institution and was told they could n't accept one of my identifications due to it not having all four corners visible. For a second time I complied and resent new pictures. After 5 business days of waiting, I called to see what was going on. I was told by a customer service employee that " we can not accept id through email ''. I explained that 2 other customer service agents told me to email the information. He stated that all he knew was they could not accept ID through email. I then asked for a supervisor. The supervisor told me that they had no records that my ID 's had been received. I then explained that I had sent them twice before. She asked me to send them again and that I would have to wait for approval. I explained to her that I 've jumped through enough hoops for this company and it was time that they did some jumping. I have now been dealing with this company for over 2 weeks, enough is enough. No action, no results, poor customer service.
I have asked them to removed all non account holding inquires off my credit report due to the fact that I did not give them or anyone else permission to run my credit. Most of them are on the same day from a car lot that I have never been to or talked to anyone that works there, none of these inquires are mine.
XXXX XXXX XXXX repeatedly abuses their power. 
On multiple occasions, they have provided no bill what so ever, yet have then threatened taking the bill to collection and affect my credit. This latest time, we traded our car in ( end of lease ). The dealership agreed to pay all remaining payment. XXXX XXXX XXXX sent a bill for damages to the car to an address that we have n't lived in for 4 years. 
When threatened with collections, we alerted them that the dealership would be paying, and just asked for some more time, since they were threatening collection in a week 's time. 
They admitted their mistake, but refused to push the deadline for payment. When I ask to dispute the claim against me, I was told I could not and there was no process to dispute. I did fax a dispute of the claims over to them ; however, I have not heard anything. According to XXXX ( customer service ), he has heard this story from costumers 100s of times in the year he has worked there. They do n't care, and they wo n't do anything to help despite admitting they are wrong. 
Additionally, under the Fair Debt Collection Practices Act, are n't I entitled to dispute the claim? Additionally, as part of the same act, are n't they required to cease collection of the debt until resolved?
TD auto finance has an auto loan showing as open, past due, & with a balance. I filed Chapter XXXX bankruptcy including the vehicle. They now have the vehicle. I notified them to have it updated but nothing has been done to correct.
I was listed as an occupant on a lease with my parents and they ( my parents ) have an outstanding debt with the company. This company has reported the debt with Experian Rent Bureau and both the Rent Bureau and XXXX XXXX refuse to remove the item. I never signed the lease agreeing to be held responsible for any unpaid rent and/or damages to the residence. I am a XXXX yr old single mom trying to rent a apartment for me and my son and this is keeping me from doing so. Attached please find a copy of the original lease and a copy of my dispute with Experian declining to remove the inaccurate information. I do not feel as an occupant that I should be held accountable for the lease as I did not sign any documents agreeing to being responsible nor was I made aware that this was the case. The debt has been sent to a collection agency called XXXX XXXX and they have agreed that I am not responsible and removed the debt from my credit. However the property management company has reported it and refuses to speak to me personally about it or remove it from my Experian Rent Bureau report. Please contact me with any questions. Thank you, XXXX XXXX
This company is harassing me on the phone and sending me collection letters threatening to put this on my credit report but I do not own this debt.
I took XXXX to care for my daughter who had an unexpected medical emergency. I was of work for 3 weeks and food not have enough money to make my bills. I contacted flagstar looking for options so that I would not be late on my mortgage payment. My payment is due on the first of the month and I contacted them before my payment was due. I was told to go through loss mitigation which I then contacted. They said that they would send out a packet. The next day I started receiving phone calls from Flagstar staying that I was in default on my loan. I answered XXXX of these and the man on the phone said " oh, we already talked to you '' and hung up. I received the packet in the mail with a list of things that I needed to submit. In the meantime I continued getting phone calls from Flagstar. I called them on the XXXX and asked them to write calling me several times s day. The lady was extremely ruderude. I tried to explain that I always made my payment before the XXXX of the month ( whenever my paycheck cleared ) but since I contacted Flagstar before my payment was even due, that they had been harassing me with phone calls of " this is an attempt to collect a debt ''. I feel like I reached out tob then for assistance and within 12 hours of my phone call, I started getting debt collection phone calls. I made my payment today, but at the cost of my daughter 's treatment since I ca n't afford XXXX. I 've been iny home 13 years..in fact, I built it .... This is ridiculous way to treat a customer.
this account with XXXX XXXX XXXX account number XXXX Date Opened XX/XX/2013 was never Past due 30 days six times or more late at any point please help e resolve this issue
I can not begin to tell how frustrated I am. For the last 3 years I have been affected by health issues related to multiple back conditions. These conditions impacted my ability to continue to earn a living.. My family and my performance suffered. XXXX I was diagnosed with XXXX .I tried to avoid XXXX to no success. I began to default in my mortgage when the condition preventing me from XXXX etc.. XX/XX/XXXX I had no other choice then to have the XXXX. I was out of work I spend four months recovering. I return to work XX/XX/XXXX. Shortly after I was laid off.. 
I immediately continue to panic and provided a request for a loan modification from BB & T. XX/XX/XXXX I receive correspondence that they are unable to continue with a loan assistant option based on evaluation performed in accordance with my loan investor/insurer guidelines FHA/XXXX. 
This is my primary residence. We want to keep my home. I defaulted due to circumstances beyond my control. Understand that I would have not have gotten to this point If I had not experienced the medical hardship. These were circumstances beyond my control. I am now able to make payments on my mortgage. I am requesting my file be reviewed. I am providing a full financial package again with all updated documents. 
Thank you