WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to dispute the reporting on my credit report for account number XXXX with Capital One in XXXX XXXX XXXX, Utah. I received a statement showing a balance due for an annual fee. I had a zero balance on the prior period statement with all transactions paid in full. I contacted my creditor and informed them that I would rather close the account and requested that they waive the fee on the billing. The person that I was in contact with via the telephone said that the fee would be waived and the account would be closed in granting my requests. I later received statements in the following three months for the fee as well as additional, incurred interest on the outstanding balance. I continued to contact the creditor with the same request every month that I received a statement. They reluctantly granted my request after numerous contacts and issued an email to my address. I no longer have this email because it was sent over 24 months in the past and I also have not received any more statements since the creditor agreed to meet my request. 

I would also like to remove the reporting in regards to account number XXXX. I received a bill in the mail from the collection agency XXXX XXXX located in XXXX, IN. I am not really sure of the address that I gave the provider of the medical visitation. I was living with a significant other at the time of the treatment while transitioning residences. My driver 's license was not up to date at this time as well. I did receive a bill from the collection agency within a few years later. The bill was paid as indicated in the reporting, but because of the derogatory status, I would like for this account that was satisfied in full to be removed from my credit report.
I am a XXXX  in Massachusetts who had the sad experience last XXXX of discovering that a former XXXX XXXX of the office which I share with another XXXX  had committed bank fraud by using the information on a paper check ( that I wrote to give her a XXXX bonus ) to pay her own bills online. This amounted to only a few hundred dollars before it was noticed and the bank account was closed, but led me and my accountant to take a closer look at my business credit card, revealing over {$5000.00} worth of fraudulent charges on my business credit card, attributable to the same employee - very traceable charges such as cell phone bills, parking tickets, utility and cable bills ... etc. These occurred over the course of several months starting in early 2018. I called in this credit card fraud to the fraud unit of Chase bank, who administers this business VISA card, and they kindly reassured me that the fraudulent charges would be reimbursed, and I noticed that the fraudulent charges were quickly duly credited to the new Chase credit card account that had been set up after the first was closed. I was told on XX/XX/2018 by the fraud department that the reimbursement check of {$5200.00} for the fraudulent charges would be mailed to me within 2 months. 
A police report was submitted for both the bank and credit card fraud, now elevated to a felony due to the amount of money involved. 
Then, a week ago, I received a phone call in the evening from the " recovery unit '' of the Chase fraud department that asked me several questions and, after learning that this employee had been given the physical card to pay for office expenses a few times ( after which it was returned to my wallet - no ongoing condoned access and not my employee technically as she is employed by the XXXX who runs the office ), this was a civil and not a criminal case and therefore did not qualify for reimbursement. 
Confused and upset, and feeling betrayed by Chase, I even appealed to their executive offices but was told the same thing and told that this is a common practice of the company. I pointed out that I give my credit card to many people to pay for business-related expenses- eg a gas station attendant, XXXX  supply reps - and if they stole my credit card info for personal use this would surely be criminal credit card fraud and subject to reimbursement by the credit card company - they agreed but still insisted my case was not criminal, but civil, so not covered. 
Please help me. I feel that, because of the amount of money involved here, Chase is  dodging fulfillment of one of the reason people use business credit cards, namely the coverage for fraudulent charges. 
I am reachable by cell phone ( XXXX ). The investigating police officer would  also like to be involved and has all of the details of the fraudulent credit card charges : Officer XXXX XXXX XXXX ext XXXX Thanks so much for any help. At this point, it is the principle of the thing, knowing that Chase could fail to protect-as-promised any of their business customers who are affected by this sadly common type of credit card fraud. 

XXXX XXXX XXXX
On XXXX XXXX, 2017, I received a call from a debt collection agency about an outstanding debt of about {$380.00} supposedly owed to Toyota Financial Services ( " TFS '' ). I had previously taken over a lease on a Toyota Corolla with TFS, but that lease ended over a year ago. This was the first I had heard about any such debt. 

My complaint regarding TFS is two-fold : 1 ) To be contacted out of the blue by a debt collector about a debt ( a ) on a contract that ended over a year ago and ( b ) of which I never received any prior notification is, if not illegal, then at least incredibly frustrating. 

I understand from TFS that they send out a single notification letter regarding outstanding debts. I did not receive this notification. Again, if this is not illegal, it is at the very least incredibly frustrating. 

2 ) Now that the debt is with a debt collector, no-one at TFS will answer any questions or give any information about the account. Instead, they refer me to the debt collector, which in turn refers me back to TFS regarding why I did n't receive any prior notification. 
Again, at the very least, this is incredibly frustrating, if not illegal. 

I will not be doing business with TFS again. It seems stupid to lose a customer over a few XXXX dollars, which I would have paid promptly had I ever been notified.
{$22000.00} in student loans were originated/became payable in XX/XX/XXXX. 
Between XX/XX/XXXX-XX/XX/XXXX payments were made for 3-4 of these years. Forbearance 's were used 2 times. From XX/XX/XXXX-XX/XX/XXXX my tax returns were garnished XXXX %. 
These payments amounted to roughly {$9000.00} 2 months ago I found out that in XX/XX/XXXX, with out my knowledge, these loans were charged off, with insurance paying the balance. At this time the loans were re-originated with out my knowledge at {$19000.00} Since then I have repaid roughly {$5000.00}. 
One payment in XX/XX/XXXX for {$1200.00} still has not been credited. 
I have been in phone contact with navient several times a week for 4 months. 
They refuse to discuss the pre-XX/XX/XXXX payments. 
In XX/XX/XXXX I told them they would get {$1.00} a month until these previous payments are properly credited. And it is determined whether or not I am still responsible for these loans. 
I do n't believe I am. 
Also, Am I entitled to a refund of payment since XX/XX/XXXX.
XXXX XXXX XXXX made a hard inquiry on my account with identifying information on XX/XX/2018. 
I contacted the customer service of XXXX XXXX XXXX XXXX immediately to inquire and on XX/XX/2018, I requested the information be removed since I have no prior business relationship with the firm or have not authorized this illegal inquiry or gave my consent to any other third party to act on my behalf. I was instructed to dispute with the credit reporting agency, Transunion. 
I contacted Transunion concerning this issue on XX/XX/2018 and today XX/XX/2018. I stated that the information on my credit report is inaccurate and requested a dispute be opened for the inquiry, however, I was shut down and told that the FCRA does not cover an inquiry even when it's unauthorized. 
I sent an email to XXXX XXXX XXXX and Transunion with an affidavit stating the inquiry was unauthorized and illegal and needs to be corrected.
I used my First Bankcard credit card to purchase {$50.00} commissary voucher to a prison inmate. My credit card has charged my account {$15.00} as a cash advance transaction. I requested to the customer representative XXXX, then to the supervisor XXXX that the {$15.00} fee be waived because I did not consider the transaction to be a " cash advance ''. My request for the fee " one-time '' to be waived was denied.
I have been disputing information on my credit report with equifax , XXXX and XXXX in regards to identity theft. I have contacted them directly as well as the account that was opened fraudentaly in my name. ( XXXX ) ... ..They refuse to delete this information off my report. They just keep saying they have verified it is mine. I have written letters made phone calls ... .etc and getting no where. I feel the credit reporting agency 's are not doing a complete investigation. Having someone use my name and open up a credit card for this department store is negatively affecting my credit score. I am also being penalized for something I did not do.
On XX/XX/2018 my Wellsfargo XXXX card was charged without my permission to purchase four tickets from the XXXX. When I noticed the activity I immediately contacted XXXX and cancelled the flights and I was assured by XXXX that I'll receive a full refund. I also filed a dispute with Wellfargo in order to ensure that I'll be protected. It has been over 2 months now but I never received credit from The XXXX or Wellsfargo. I'm  highly disappointed since I never made the purchase plus I had cancelled the flights after noticing the activity. Total amount charged to my credit card was {$1100.00}. Please help me to get my money back. 

Thank you, XXXX XXXX
Bought TV from Best Buy some bank had the account for awhile and them was turned over to citiXXXX. was then charged XXXX they say for interest on a XXXX TV. I send then a check and put on there paid in full they honored the check cash it and then some time later say I still own then and of course adding interest ect. I wanted to record the phone call and they would said no. it was approved at XXXX time but I can not prove it. I tell them I will only communicate on email or text so I have prove. They are now calling up to XXXX times a day like yesterday which was Sunday. I told them to send my money back if this is not paid in full I am getting constantly harassed.
I have a payroll account for my job with TD bank. I set my initial account XXXX 2015. Someone via XXXX accessed my account in XXXX this year. 
TD 's solution was to 1. freeze my account or 2. close and open a new a account. I chose to open a new account. The Fraud department of TD did an investigation and told me that the person who accessed my account had closed the account so there was no way to retrieve my money. While I was very upset, I let it go since the total was under {$5.00}. Today I noticed my account was short. Upon investigation, XXXX has again accessed my account on XXXX occasions totaling {$340.00}. The Fraud department 's solution is freeze my account. That is not possible since I have pending charges and bill payment set up. I want to know why TD is not accounta like other banks. With XXXX, that money would be back in my account while there is an investigation. TD 's resolution to my first breach was " that person closed the account we ca n't get your money back ''! 
Where is my consumer protection?! Take it up with XXXX. 
Why are they not accountable? I am closing my payroll account today and will no longer use the Worlds ' Most Inconvenient bank. Someone should look into this. TD tells me that my account was breached using my routing and account number both time. I feel that this is a breach in their bank system. I am sure upon further investigation it will be revealed. 
In the meantime, I am out of my hard earned money due to this bank 's lack in oversight and protection.
I was on a 30 minute phone call with my wife during my lunch hour and during that phone call I received 7 calls from Great Lakes ( calling from XXXX ). While typing this just received call number XXXX.
Waypoint Resource Group reported me as a delinquent debtor on my credit reports in XX/XX/XXXX without ever contacting me to inquire about the ( erroneous ) debt of {$430.00} They got the collection assignment from XXXX for service to a residence in XXXX XXXX between XX/XX/XXXX andXX/XX/XXXX ( account XXXX ). I have lived in XXXX XXXX, Pennsylvania since XX/XX/XXXX! This account was fraudulently put in my name. When I contacted Waypoint this past spring to inform them that the debt wasn't mine they refused to remove the bad debt report from my credit record and said I would have to take it up with XXXX  without providing any information about the XXXX account. I, again, called Waypoint in XX/XX/XXXX of this year and insisted that they research the bad debt. They gave me a XXXX  phone number and XXXX gave me an account number. I, then, filed a fraud report with XXXX  but purposely left off my Social Security number ( which they really don't need to resolve this issue as they had the account number, my PA driver 's license, my address and my phone number ). XXXX  called to say they would not process my fraud claim without a full SS #. I offered to give it to them over the phone. They refused, and said I could fax it to them. My fax doesn't work, so I mailed it to them. They then refused to process it bc it wasn't on their " fraud form ''. I have resubmitted a complete fraud form by registered mail to XXXX  but it is clear to me all their privaricating is simply to delay processing my fraud claim and their data collection is solely meant to get my current personal information so their collection agency can harass me. This was proven out because Waypoint, who had never sent me a single piece of mail in the interim four years, immediately sent me a collection notice. How is it legal for a collection agency to defame one 's credit rating to a credit rating agency without EVER contacting a person for collection or to determine whether the claim is, in fact, genuine? And how can XXXX   claim I owe them money when I haven't had their service since I moved to PA in XX/XX/XXXX!!
They call, usually robot calls leaving a message that a payment for their reference number is required at their website, www.fsapay.com, before they start litigation. There is no information for whom they are collecting or why. They call 5-7 times a day. There is no return telephone number. There is a disclaimer at the end that if you 're not the intended recipient, to hang up and delete the message.
Equifax is inaccurately reporting my student loan accounts as credit cards. XXXX is not reporting my student loans as credit cards. They are reporting as installment loans, because this is what they are. XXXX is also reporting my student loans correctly, and Equifax is not in compliance with the FCRA. If it is inaccurate information, it must be corrected or DELETED. My student loans should be reported as installment loans because that IS what they are. It is affecting me buying a home and I will take this further until it is corrected. 

Account number XXXX XXXX XXXX/XXXX XXXX All 16 accounts reporting as credit cards need to be corrected to installment loans. How are student loans credit cards??????? I do n't care what the student loan company reports, this is not a credit card, so it is INCORRECT and must be removed or corrected.
Over the past three years there is a XXXX account that keeps popping up on our ( my spouse and mine ) credit report. After providing documentation it is removed to come back on in six to nine months. We are never alerted to the account getting ready to report, which per the FCRA we should receive a notice within five days of the account to be posted to our reports. Once this account is removed from one report, the status changes on the other bureaus ( changes from Joint to Individual or the last reported date changes but the account number stays the same ) and we have watched this happen not only on this account but on several of the others. This account has been sold three times to other " collection companies '' that are actually part of the same company and still reporting the same account - this is per the XXXX Legal Department who has helped me with this issue.

After consulting with the three Credit Bureaus ( over 15 calls placed to them over the last four days ) we were told the following : 1. We could resubmit the information ( this is after I faxed, emailed and regular mailed the information ) and the bureaus would get back with me.

2. Regardless of the laws passed in the FCRA, I am not able to submit to the three bureaus any account that I have that isn't being reported if that company is not a paid member of any of the bureaus - see the Town of XXXX, XXXX docs below 3. I may submit, in writing, a statement to be added to my report but it will be screened and up to the bureaus to add it to my report and will be removed after 30 days ( it will take approximately 90 days to approve it ).

4. If there is a disputed item, the company has 90 days to review the claim and XXXX will handle the claim, not the company.

5. If it is found that I am in the right, then the credit bureaus have 90 days to remove the account in question.

I have received screen shots, emails and documents from some of the companies that have requested that their accounts be removed or updated on our reports and the bureaus have not completed the requests, or the scores are not updated when the items are updated. Our scores fluctuate around 20 to 60 points per month because of all of this. Since the Credit Bureaus have control over everything dealing with our day to day life, dealing with these bureaus has become quite the experience. We have spoken to people from XXXX ( call centers ) to supposed supervisors to specialty departments with very little solution to our issues. Please help!
I was contacted by Ameritech Financial and fell for their scam. In the beginning everything seemed very legitimate, but I recently received a letter in the mail from the FTC about a law suit against Ameritech. I looked into my account further and I realized they were only paying the bare minimum payments toward my account and keeping the remainder of my payments. They also said that after so many months my payments would go down and they never did. I called to cancel my payments, but the company has had so many complaints they can't get to my service request. I contacted my bank provider to cancel all payments to this company, but I am worried about how much information they have of mine.
On XX/XX/XXXX, I applied for a Wells Fargo XXXX XXXX Credit Card. I am a customer of the bank for over five years and am in good standing and got a credit score in the top 20 % of the population. 

On XX/XX/XXXX, Wells Fargo closed the account, without notifying me. I eventually found out on the customer portal of Wells Fargo and subsequently filed a complained with CFPB on XX/XX/XXXX. ( CFPB Case # XXXX ). On XX/XX/XXXX XXXX or XXXX XXXX XXXX answered to parts of my complaint on behalf of Wells Fargo thru the CFPB. While many questions remained unanswered, according to Wells Fargo the account was closed " by our Fraud Department due to a possible fraudulent application being submitted. '' It was suggested by Wells Fargo, that I should submit a new application by either of the following three options : 1. You may go online at wellsfargo.com website. 
2. You may apply by phone at XXXX. Agents are available to assist you Monday- Sunday, XXXXXXXX XXXX XXXX XXXX ( XXXX ), ET. 
3. You may apply at your local Wells Fargo Branch, when you are back in the United States. 

On XX/XX/XXXX I did as suggested and opted for ( 1 ) above ( Application # XXXX ). This time the credit was not auto approved. Today, I received a letter dated XX/XX/XXXX but postmarked XX/XX/XXXX in which Wells Fargo informs me, that my application after " careful review '' was denied. The resaon given for the denial was : " This is a duplicate application ; you have already responded to this credit offer '' I am sorry, but this is totally absurd! It was Wells Fargo which cancelled the previous account without ever explaining, why a fraud was suspected or why they would n't inform me of such suspicion. It was Wells Fargo who suggested I should apply again, as the old account could not be reopened. What did I do wrong? What has changed, that I was initially approved and am now rejected?
My ontime payment went through an inactive checking account on XX/XX/XXXX for my XXXX XXXX that I lease from XXXX XXXX XXXX due to automatic XXXX XXXX app on my XXXX, after I received an email from XXXX XXXX  that the payment won't go through due to inactive account status I immediately called XXXX XXXX XXXX on XX/XX/XXXX and I explain the situation, I've been told ( and they were recording this ) that there is NO need to do anything since on their end it was shown as paid! Nevertheless I offered to make a second payment on the same day using my new bank account from XXXX XXXX, I've been told again from the representative that since I made the second payment I have nothing to worry about and that the second payment will cover the first payment in case that it will be returned as unpaid, I also been told that they won't reported as late payment and everything is ok. Two months after they reported my XX/XX/XXXX payment as late payment which damaged severely my credit score, I blame XXXX XXXX XXXX for incompetence for lack of knowledge and for misinformed a loyal customer that is 100 % on time with payments with all creditors and three times XXXX customer with no late payments at all. 
After sending letter to the company explaining the situation for their error I received a letter telling me that my correspondence does not provide sufficient justification to change the way that they reporting my payment history to the consumer reporting agencies and as a result of my dispute they will provide an update to credit reporting agencies reflecting the results of their investigation. I tried numerous times adfter that to speak to somebody in the credit reporting department at XXXX XXXX   XXXX and they denied it all times!
We refinanced our home with Bank of America. Last week we received an escrow refund check of $ XXXX+ and I went to deposit it at the ATM. The ATM did not process the check and would not return it. I contacted the bank when it opened and filed a claim. They said they would give me a temporary credit and would make that permanent once they had investigated the issue, and that it " would n't take long ''. A week later I called to find out when the temporary credit would be made permanent. I was told that it would take up to 45 days to resolve and that I had access to the funds already. We do n't actually have access to the funds because if there is no error report with the ATM ( read : it ejected the check to another banker ), then they will take the credit back. They will not do anything to expedite real access to the funds.
On XXXX a Kohls credit card was opened up in my name using my personal information. In the amount of XXXX and now is XXXX. I did not authorize this account to be opened