WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a loyal member of Chase bank for over 10 years and I have had a Chase United credit card for over 10 years as well. I have made many attempts to have a fraudulent charge removed from my account with no avail. On XX/XX/2018 there was a transaction posted to my Chase United Club card ending XXXX in the amount of {$7800.00} at XXXX to the merchant described as XXXX that I did not make nor did I authorize. 
Since a telephone conversation earlier today, I learned that this merchant is a XXXX account affiliated with XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. We spoke with XXXX at XXXX ( XXXX ) who states that there is no record of this transaction using my credit card ending XXXX. We also spoke with XXXX the supervisor / business owner at XXXX XXXX ( XXXX ) who states that this transaction did not exist and that he did not receive this payment. However, this charge remains on my account and is a charge I am expected to pay though I received no benefit from this transaction. 
Since this transaction occurred at XXXX on XX/XX/18, I will honestly recount my whereabouts in an effort to defend the fact that I did not make this purchase. My evening started at XXXX XXXX XXXX  at XXXX XXXX XXXX, XXXX XXXX, NY XXXX where I enjoyed dinner with my friends and my husband ( who is authorized to use this credit card ending XXXX ) a birthday. I arrived at the restaurant around XXXX and learned that this restaurant did not accept credit cards. So, I used the Chase bank ATM at XXXX XXXX, XXXX XXXX, NY XXXX to withdrawal {$300.00}. I left the restaurant at around XXXX and went to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, NY XXXX to continue the celebration. I handed my credit card ending XXXX to the bartender to open a tab for drinks upon arrival. I never left the bar until I closed out the tab at XXXX and authorized a total charge of {$130.00}. At no time between XXXX and XXXX did I leave the bar nor did I make any transactions using the credit card ending XXXX. I did not authorize any third party to make transactions using the credit card ending XXXX. I then left the bar with my husband and we took a cab home and I paid for this taxi ride using the credit card ending XXXX in the amount of {$7.00} at XXXX. 
I have no other proof that I did not make this {$7800.00} purchase other than my word. I dont know what else to do to prove to you that this purchase is fraudulent. 
Please let me know if there is anything else I can do to convince you that this charge is fraudulent so that it can be removed from my account.
I recently disputed the following accounts and the credit agencies, XXXX, Experian, and XXXX, came back stating accounts been verified, Now I'm requesting a Method Of Verification with all supporting documents as stated in the laws of FCRA, please provide me with all the information governing these accounts or delete/ block them from my credit report. ( 1 ) XXXX XXXX {$9500.00} ( 2 ) XXXX XXXX XXXX {$5400.00}, ( 3 ) XXXX XXXX XXXX ( 4 ) XXXX XXXX XXXX  ( XX/XX/2016 )
I have reached out to Equifax several time via phone and mail and have yet to receive a response to have these verified as I requested these inquires. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I DID NOT authorized this inquires : XXXX XXXX XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX OnlineXX/XX/XXXX XXXX XX/XX/XXXX
Barclaycard closed my credit card account with no warning and now claims that I have 'forfeited ' my cash back rewards balance of {$12.00}, even though I had no knowledge of their plan to close my account. Clearly, if I had known, I would have access that cash rewards as a credit to my account.
Portfolio Recovery Associates took a default judgment against me. I did not appear in the case because I was never served with the court papers. I tried to vacate the judgment several times, but was unable to follow through because I had been seriously injured in a mugging which has required several operations. Last summer, I received a notification from Portfolio Recovery Associates that they wanted to discontinue the court case and they included a stipulation to discontinue the action. I consulted with the attorney and she told me that since there was a judgment against me, the case has been disposed of and the only way to get the case discontinued is to vacate the judgment and then discontinue. I contacted PRA. They were very rude to me and refused to help. I then retained an attorney. She has written to them and phoned them and provided proof that there is a judgment so that they will change the language to reflect that the judgment is being vacated. After every contact, they just send her another form letter with the same form stipulation without the language vacating the judgment. I understand that PRA entered into a settlement agreement with the CFPB which is why they keep sending me the stipulations. When my lawyer has talked with them, they have told her they did not know there was a default judgment and asked her to give them proof but even after she faxed a copy of the judgment to them, they still keep sending back the same form stipulation.
On XXXX XXXX, 2016, I checked my credit score and noticed an unusual downfall from a XXXX to a XXXX score. Under the factors affecting my score, a negative debt collector was listed. I contacted XXXX and was notified that a debt collector by the name of Afni Inc. reported a delinquent account. I investigated further into this matter and have filed a dispute with XXXX and XXXX to remove this from my credit report. 

Afni is claiming in a debt collection notice that I owe XXXX an outstanding {$370.00}. However, my XXXX account has been paid in full and closed in good standing. I have a letter confirming of this information dating to XXXX XXXX, 2016. Along with speaking to XXXX, I have been informed that my account with them has never been sent to a collections agency which puts into question the validity of Afni Inc. 's claims. When speaking to Afni on the phone to resolve this issue, the telephone attendant was in full swing of harassing language and would not adhere to my concerns or confirmation that XXXX has already been paid. Therefore I was not able to resolve or dispute this debt on my behalf resulting in this debt to be reported to the credit bureaus and negatively affecting my credit.
I sent $ XXXXCAD to XXXX XXXX Using my Pay Pal Account Transaction Details Transaction ID:XXXX XXXX XXXX, 2017 SENDER RECIPIENT XXXX XXXX XXXX XXXX XXXX XXXX YOUR NOTE TO XXXX XXXX For the XXXX XXXX logo this is my grandpas paypal cause I dont have one I sent it in this not XXXX XXXX XXXX because he said so and I added XXXX $ more just for the trouble. 
The money was On the third time sent using friends and family pay pal will not refund even though the item was never received. I have requested XXXX XXXX To send four e-mails to XXXX with no replies. Requesting status and refund Grand son has also requested status via text messages and received no relpy. 

I feel we were scammed. 
is there any way to check and see if the money was ever picked up or XXXX XXXX logo sent.
PNC is working through XXXX XXXX to collect a debt, they claim amounts to {$610.00}.

I did previously have an account there from XX/XX/XXXX-XX/XX/XXXX.

I have previous statements from that time.

I spoke with local bank tellers multiple times.

The bank did refund some overdraft fees at first.

Then they would not allow me to close the account.

My paypal account was ACH linked, and continued to post ACH withdrawals when there was no money in the account. Resulting in more than {$1100.00} in overdraft fees that year.

The {$610.00} they claim I owe them, was paid in overdraft fees via direct deposit that year, until I eventually switched banks and changed my direct deposit to that account.

I believe the amount I owe is around {$120.00}. I am will to pay this amount, I am not willing to overpay once again in absurd amounts of overdraft fees.
I had an annual membership with XXXX in XXXX XXXX 2015. 6 months later, I was relocated to XXXX. So I made a cancellation for the gym membership in the end of XXXX 2015 just before I moved to XXXX. At that time, I asked to pay back the balance of the annual membership fee with presenting my new XXXX XXXX in XXXX , but they simply refused it. I did n't have time to dispute with them and just canceled my membership. Cause it was my last day in XXXX. 8 months have passed after I moved to XXXX . Suddenly I received an email from ABC financial services for the membership fee of XXXX XXXX XXXX XXXX. They argued the contract was not cancelled and asked me to pay membership fees. I sent documents to a general manager of XXXX XXXX XXXX XXXX so he can cancel the collection per trainer 's advice. It included an email from ABC financial and my utility bills in XXXX on XXXX 2015. After that, I have tried to talk with him for a week to ask a cancellation on the bill collection. I left my numbers to other trainers so he can call me back. However, he never picked up my phone and called me back. This is the reason I want to solve this issue through CFPB. 
Thank you.
XX/XX/XXXX MIDLANDMCM I HAVE NO IDEA WHAT THIS IS, FILED A DISPUTE WITH XXXX.
I have Experian protection membership, i got my credit report that had some errors and incorrect information, one of the errors was wrong apt number ( it had this address twice, one had the correct apt number and the other was wrong ), it took 3 times to file a depute till finally they fixed it. It had another mistake, it had my name, same name ( first and last ) three times, in one of the times it had my last name missing last letter, i called and spoke with the lady she said its not a problem and they going to add the missing letter, when the result of the depute was ready, i log in to my account to find out that my social security was changes, now it had wrong social security, one number was wrong, when i spoke with the person from experian i never mention that my ss wrong, i called them again and the person said that they going to fix it, they send email stating that my result ready, i checked my account again and now its missing my social security entirely, the other two credit Bureaus have everything correct, its very hard to get a hold of them and i have to wait for almost an hour to actually talk to a person, at this point i would like to file a complaint against experian for deleting my social security wile that number was correct, inserting wrong ss, deleting the wrong one and instead of fixing it they just left my file without any social security in it.
last year I applied for a loan with Umpqua bank ( actually sent a complaint to CFPB on the loan officer last year ) and rescinded the loan the day after I signed since it was not the terms I was told it was. 
Recently my husband and I decided to do a refinance and found out that Umpqua bank recorded a XXXX on my home. As you can imagine I was so upset. I have been dealing with them for the past week, and they are trying to fix it however has not happened yet. 
That is illegal and should not have happened.
This is the FIFTH OR SIXTH time I have tried to fix this issue with Transunion so I have decided to get lawyers involved, there is a fraudulent account with XXXX XXXX XXXX that all the other credit agencys deleted except for Transunion XXXX. This Data furnisher has been in violation of the FCRA 2009 ( a ) which states a Data furnisher MUST delete an account that has been reported to authorities and has proper identification to prove it ( which I have provided numerous times ) WITHIN 4 BUISNESS DAYS, ITS BEEN 4 MONTHS. I have reported the data furnisher to the Attorney Generals office - XXXX XXXX due to Transunion negligence. They are in violation of the Fair credit report act 2009 ( a ), which is a FEDERAL LAW. FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " Last time Transunion XXXX, responded TransUnion has declined to block the information for one or more of the following reasons which were provided to you in the letter : a ) TransUnion has reason to determine that you have requested the block in error ; b ) TransUnion has reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) TransUnion has reason to determine that you obtained possession of goods, services or money as a result of the transaction at issue. Let me repeat this, 1 ) I DID NOT REQUEST THE BLOCK IN ERROR. 2 ) Transunion IS FALSELY ACCUSING ME of misrepresentation of facts, to a known identity theft victim. 3 ) I DID NOT RECEIVE ANYTHING FROM THIS FAUDULENT ACCOUNT. I have referred this to the office of the Attorney General of California - XXXX XXXX, and the XXXX XXXX - XXXX XXXX XXXX for data furnisher negligence / litigation. I am completely upset and absolutely disappointed with the service Transunion has provided me, I will be writing a letter to my local congressman on this issue as well.
I was in my local laundromat, when an XXXX guy came to me and started conversing with me. Please note that, its been only 3 months, since I have been to this country. So after a bit of conversing, he told me that his bank account in XXXX  was frozen and he needed help with his bank, so that he can avoid the overdraft fee. He said he'll give me a check and take cash on its behalf. That's my biggest fault, I trusted him because my experience in US was pretty good so far. People were really warming and helping to me, so I thought, I should return the favor. We walked to the ATM and he put in a check for XXXX $ out of which I got XXXX $ in my account then and there. He then proceeded to make a withdrawal of XXXX , saying that 'I 'm leaving some for you, because we should be looking for one and another. '' The money order, which was from XXXX XXXX, still showed processing. So the guy gave me his phone number. After we parted our ways, I was still very worried and I tried XXXX for situations similar to the one, I was in. Surprisingly I did find a similar kind of a scam. So I ran back to the bank, they told me that, since the withdrawal was done in my presence, I was to be held responsible and that I should go to the police. I did that. The cops said that they'll lodge a complaint once the check shows up as a bad check. 
Next day to my surprise, the check did get cleared. That gave me some hope. I got the money in my account. I was still worried so, I took all the money and transferred it to my friends bank ( left only XXXX $ in my account ) Five days later, the check got a hold and my account was at -XXXX $ including an overdraft fee. The police lodged a complaint and told me that if I give the record to the bank, they'll give me a refund. 
After submitting the police report the bank told me there's nothing they can do because the money I gave was done on my presence so I have to communicate with the party I gave the money to. The scammer isn't going to contact me, is he? The police said, all I could do is go to the court and contest. 
I am an international student, with a huge student debt, I know i was indeed clumsy, but isn't there anyway to help me with this? At all?
Applied for a loan with excellent credit score, stable work history, and 6 plus figure salary. Wanted lowest interest rate because of excellent creditworthiness. Received instant approval from multiple leaders who were competing for my business. Decided to go with quicken mortgage because of excellent rate. Completed process and loan approved. Once home appraisal was completed and loan was ready rate and points changed. Leader promised to correct problem and I refused to go to closure until this was resolved. As a result of this position quicken made the appraiser adjust appraisal report to prevent me from getting loan. Apparently after a long battle to correct the interest rate and points problem they reach out to the appraisal company and had them to make adjustments to lower the value of my appraisal report which prevented seller from selling property to me. The appraisal that was initially sent listed property value at XXXX after the back and forward of correcting interest rates and points they had it lowered to XXXX which is way below market in area. THe mortaage company is working with appraisers to defraud customers. Had to work behind scene to get to the bottom of what was going on. It Took me a while to get reports but I have the proof of this fraudulent activity. Also I was able to get the same home from another lender with a new appraisal that was almost the same price as the original appraisal of XXXX and XXXX higher than the fraudulent one of XXXX they made appraisers adjust. They are not independent organizations. They are working together. Took me 6 months to get information but Now that I have proof, I will be contacting XXXX. I was told to take this step first.
Around 3 years ago I was contacted by an attorney about a class action law suit against XXXX XXXX, now called XXXX. The law suit claimed XXXX to be guilty of predatory loan practices, which made sense as my student loan interest rates were around 10 %. XXXX was served with a cease and desist on collecting debts from me that was signed by a judge. The lawyer asked me to stop paying my private loans. I did. I was never contacted by XXXX since that letter, so I know they received it. 2 years go by and the lawyer stops helping me, taking nearly {$4000.00} of my money. I realize her advice has been terrible. I file a complaint with the California state bar. Since then she has been disbarred for her actions. Around a year ago I contact XXXX and explain the situation. They said if I sent them a letter and paid my bills off including their fees that I would be fine. This past week I find out they have 2 reports that I defaulted on my student loans, even though I paid all my bills off including fees and have been paying them what I owe every month online. Their website says I am current on my statement. I call multiple times attempting to resolve this situation, repeatedly being told their is nothing they can do. They still send me a bill every month for the private loans, even though they have written the debt off and set it to a collection agency. At the least their actions are highly unethical.
Dear sir/madam, as I was going through my credit report on XXXX, XXXX and Transunion, I noticed a negative report on my credit. The negative report was from a Company called XXXX. First I have never had any account with XXXX .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. I DO N'T EVEN KNOW WHAT KIND OF BUSSINESS THEY OFFERI am requesting that XXXX or any of their affiliates should remove such negative statement from my credit reportI ATTACHED A COPY OF MY UTILITY BILL AS A PROOF
Money market account was supposed to be paying XXXX basis points which was discussed with my commercial banker and have details in writing. Rate fell down to XXXXbps and I was told by XXXX XXXX ( SVP Commercial Banking ) that it was brought back up to XXXXbps per my agreement with the bank. Called the bank earlier this week and was told this still had not been done ( according to XXXX ) as my account was still paying XXXXbps. Left a voicemail for XXXX XXXX and have not heard back.
I had my identity stolen by someone and had an unauthorized hard inquiries on my credit report. 

XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX/XXXX XX/XX/2017
XX/XX/18 Sold truck to an individual. Loan was with Bank of America. Called bank paid in full. Payment was held to verify funds. 
XX/XX/18 Informed that account was closed and pain in full. Was told we could hand truck over to new owner. 

Later received title to truck along with documentation stating loan was closed. 

Now bank has reopened account and requesting money.
Capital One Credit Cards Capital One practices credit discrimination against women. 

I had a Capital One credit card for over ten years and could never get a credit line more than {$700.00} even though my credit score is over 700. I paid this card off. 

My XXXX has a separate Capital One Credit Card. I called to get the interest rate reduced as they will only reduce interest for 7 months at a time then you have to request another interest rate reduction. His personal card interest was reduced from 21.99 % to 17.9 %. A week later without asking, this Separate card line of credit gets automatically increased by {$1300.00} We have a Joint Capital One Credit Card, I asked for an interest rate reduction on this card that I use and they would only reduce the interest from 24.65 % to 20.65 % for 7 months. I asked why is that both credit cards can't be at the same 17.9 % and their answer was it's based on the credit score when account was originally and that they never pull new credit scores to give you a better interest rate. NOTE : This card was not offered a credit line increase. 


I think Capital One 's records of credit offered to women need to be reviewed for discrepancies in credit offered to men. This would be to show the difference in Line Of Credit and interest rates offered to both.
Rocky Mtn. recovery system has sued me for not responding to a workman 's comp related medical debt originating from XXXX XXXX XXXX due to XXXX examinations and follow ups. Plus, added an additional XXXX to the principal debt of XXXX. However, I 've been paying on the out pocket to a second debt referred by XXXX XXXX XXXX to XXXX for testing involving my workman 's case ( XXXX ). The XXXX debt 's principal is XXXX. I had talked to rocky Mtn. recovery once and told them I would pay the debt when I could, likely after I had got the other higher debt paid off. I believe this lawsuit is an attempt to secure unfair fees and additional values at will. In the judgement there 's additional leverage at a 10 % percent increase annually until paid with additional cost and attorney fees prejudged into. In addition, the judgement allows property, funds and wages by execution or garnishment. I am not sure this is even a real document? It is stamped with names and initalled but no signatures.
After I requested information from the credit bureau company they sent me a letter telling me they needed more information and that the S.S. # I gave them did not match the identification in they 're database. I however sent them more proof, including a letter from the S.S administration. The next letter they sent me was to inform me that either I did not provide the sufficient amount of information or I have not established credit history.