WillisBack/dataset-financial-user-claim huggingface dataset:
I had lost my credit cards quite a few times through Chase back in XXXX and had fraud charges from XXXX all the way to early XXXX. Each time I noticed my card was lost I promptly called Chase to report them lost. They removed all unauthorized transactions from my account and told me they would be investigating the fraudulent charges. Well I just received a call from someone in the fraud department today and was told that they were going to be placing XXXX in fraud charges back into my account within two billing cycles. I was so shocked and heart broken that they would be doing this. They informed me that the signatures matched and that they had evidence that it was me. I informed them that it was impossible as the cards were lost and I was never at the locations that the cards were used and that I demanded to have them show me the evidence they speak of she informed me that there was nothing she could do and cut me off and said sorry. I informed her that the FCRA states that I am not held liable for any unauthorized charges that I did not do she informed me that even if the police give them evidence that shows it was not me she cant guarantee that the charges would be removed from my account WHAT?!?! That does not make any sense to me what so ever. I XXXX  that many other people are having these same issues with Chase in their fraud claims and were treated the same way. They are doing very shady things and are making their customers pay for it. Please help me as I can not afford to pay XXXX in fraud charges that I did not do. Thank you.
I attempted to make a flight ticket purchase on XXXX website. This attempt was made on XXXX XXXX, 2016 around XXXX. The company requested an authorization, however given that they could not fullfil my request they advised that the card was never charged. I confirmed the same on a phone conversation with a representative from XXXX on XXXX XXXX, 2016. When looking at my US Bank account I see that on XXXX/XXXX/2016 a charge in the amount of XXXX XXXX was made and an immediate credit provided for the exact same amount of XXXX XXXX. However US Bank charged my account {$310.00} and credited {$310.00}. They also charged me a foreign transaction fee that they subsequently reversed on my request. When asked for explanation and refund of the missing {$2.00} I was told that I need to ask XXXX as to why they credited my account with a lower amount. Fact is that the account was charged and credited with the same amount of XXXX XXXX. Since the attempted purchase was made on a Friday afternoon, after the XXXX stocks were closed there was no reason why the XXXX transaction should vary in the amount of charge and credit. The fact that US Bank processed the charge and credit on XXXX XXXX, 2016 should also not affect in any way the amount of charges and credit and the account should zero out. There should be no amount owed on the account either way. Please request that US Bank properly process the transaction and credit back the complete amount. Thank you.
On XX/XX/XXXX, I submitted a credit application on XXXX, authorizing XXXX XXXX XXXX of XXXX, NC to pull my credit report. 

They, in turn, authorized 10 other creditors to pull my credit report without my knowledge or consent, which resulted in 17 hard inquiries on my credit report on two separate days, XX/XX/XXXX and XX/XX/XXXX. By doing this, my credit score dropped 27-33 points and also prevented me from getting credit from other creditors, stating I had way too many inquiries. 

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 was also contacted by a financial person at their sister dealership and was told I also needed to do a credit application on their site, XXXX. This caused another inquiry on my credit on XX/XX/XXXX On XX/XX/XXXX I sent letters to Transunion, XXXX, and XXXX to open a dispute. They all basically responded the same, saying I needed to contact the individual creditors directly. 

On XX/XX/XXXX I sent letters to all of the creditors and they all basically said the same thing, that they received permission to run my credit from these dealerships, XXXX XXXX XXXX of XXXX, NC and/or XXXX XXXX XXXX XXXX NC. 

On XX/XX/XXXX I had a demand letter drafted and sent to both dealerships by a law firm demanding them to contact the three credit reporting agencies immediately and have these hard inquiries removed. There was no response. 

On XX/XX/XXXX I submitted a complaint to both dealerships to the CFPB. According to CFPB, the company responded that they are not the appropriate company to address your issue.
At the end of XX/XX/2018, somebody counterfeited 3 Citibank checks and placed different names above my name. I was clearly out of the country at the time and this was evidenced by the fact that during the same peiod I was doing regular ATM withdrawals from XXXX. The checks were used to make several purchases at various XXXX outlets, with various XXXX membership numbers, in XXXX XXXX. The criminals also signed the fake names that they placed on the checks. At first, XXXX XXXX, in the Citibank corporate office of the bank, said there should not be a problem getting my refund if I go to a branch and sign the proper affidavits which I did. She even acknowledged that all the facts pointed to a situation where it was clearly no fault of my own and she knew the time frame fully well at the time. Then after several weeks another rep, XXXX who was also in the corporate office, said they refuse to refund me because I waited longer than 90 days to report the incident. The bank acted wrongfully because A ) They honored checks with names which they never issued checks to on the account. B ) They honored checks with signers on the account, other than myself, while I was the only signer on the account authorized to use the checks. C ) they charged me banking fees because my balances sometimes went under their threshold while this should have never happened and only happened because of the banks irresponsibility in handling my funds. D ) They had my wrong social security number on my account by one digit and refused to correct this until I came back to the country, thus making it almost impossible for me to regularly check my balances while out of the country. 

Something is seriously wrong here if a bank can take my money and hand it out to total strangers despite that checks were written in names never authorized to begin with. If I can not feel secure with the bank holding my money responsibly then the entire banking system is a farce. This is especially true when they refuse to take responsiblity for their own irresponsible actions
I have contacted the company, the company the debt was sold to and trans union to resolve this matter for more than 3 months but nothing seems to be resolved
XXXX collection agency is contact a neighbor in a mobile home park where I live, asking invasive questions about me and stating they are calling regarding a debt. In addition calling my ex wife as well as my ex sister in law.
I bank with USAA and they are holding me liable for charges that i do not make. I have had my credit cards stolen over the course of a few months due to my negligence. I am the type of person to always forget something behind, with that being said, i still should not be liable for charges that were literally not made by me ( the cardholder ). Please look into this matter because they are charging interest, but i will not pay for fraud charges. I have called USAA fraud department numerous times to discuss the matter, i feel like nobody is out to help me. I don't even know if someone has access to my accounts due to me losing my wallet with all my personal information, giving them access to all my records. There is charges on the account that even say " afghan international ''. I am located in XXXX XXXX, Texas.
XX/XX/XXXX Dear CFPB ; I Filled bankruptcy, XX/XX/XXXX, On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca. XXXX. XXXX, CaseXXXX. They Called I Talked To XXXX XXXXXXXX XXXX He Was So Horrible Demanding Payment Immediately, Was Told FICA From Bank, And The Federal Government Will Garnish My XXXX  Checks, That I Am required To Pay Even With My bankruptcy, Would not allow me to talk to my lawyer, Made me pay {$30.00} And That They will Now Take {$100.00} a month out of my bank, This Was with Wells Fargo Bank about 7 years ago. I Have Received No Notice, No phone calls, nothing, And I was Threaten So Much, I was Shaking! I contacted My attorney.

XXXX XXXX   XXXX Chapter XXXX  Case Manager XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New Mexico XXXX Telephone : ( XXXX ) XXXX XXXX XXXX Facsimile : 1  ( XXXX  ) XXXX   email : XXXX website : XXXX XXXX XXXX   They Said Not To Speak With Them again She Was So angry At Them. 

Please help XXXX XXXX XXXX XXXX
I have an American Express Blue Preferred credit card. When it recently renewed, I was charged the {$95.00} annual fee. I am never late with payments and never incur any finance charges ; however, I incurred a modest interest fee last month because the annual fee is treated as a cash advance and begins accruing interest when it is posted to the account. There is no possible way to avoid the assessment. 

I lodged an inquiry with American Express and they have since credited the interest back to me ; however, this policy strikes me as unfair, though probably very profitable for American Express.
XXXX XXXX debt collectors incessantly called me during the months of XXXX and XXXX 2013 to collect on an alleged Bank of America credit card debt. I remember these repeated calls as annoying, aggressive, intense and oppressive. All of these calls took place while I was attempting to work. 

XXXX insisted that I had to settle my alleged debt before the end of the month or the settlement talks would end. It appeared, based on their aggressive and oppressive behavior, that they were indeed desperate. Therefore, I better settle the alleged debt by the end of the month or the endless and degrading phone calls would never end. 

The calls, to my recollection, started with the initial collector who was rude and aggressive and tried to force me to settle the alleged debt at a price that I was unable to afford. Then I was moved around between different " levels '' of surly and degrading debt collectors. This culminated in a high pressure settlement on XXXX XXXX, 2013. ( See the attached letter from XXXX XXXX, dated XXXX XXXX, 2013. ) As I state below, the only reason I paid the alleged debt was to end the incessant and harassing and oppressive XXXX XXXX phone calls.
I applied for an auto loan through Bank of America online 7 days ago. I have already chosen another loan offer, but I keep getting automated phone calls to my work and cell phone from Bank of America, asking me to call them about my loan, I repeatedly have told them I no longer need this and to stop calling, yet I am getting multiple calls a day still. The agent I last spoke with said he would remove my loan, but the calls could continue for awhile. I asked to remove my numbers, and he said he wasnt sure he could. This is harrassement at my workplace and my cell phone. Yes consent to call me back, but not to harass me over and over.
On XX/XX/XXXX, I petitioned the court to include my Student loan in  my chapter XXXX bankruptcy. It was approved and my bankruptcy was discharged. This account should be closed and has been closed since XXXX
I provided this company with a copy of court order advising them that this debt does not belong to me as the owner of the vehicle XXXX XXXX was ordered to refinance the vehicle and take my name off of it. The owner of this loan/vehicle did not comply with the order and instead of refinancing the vehicle he just failed to make the payments and then wrecked the vehicle and then the insurance company paid the vehicle off. I have made several attempts with the company to advise them on the situation and to get them to correct it. As they are reporting this account negative on my report however the information they are reporting is not an indication of my payment history or habits. The court order was made for XXXX XXXX to refinance the vehicle and I provided the company with information indicating this as well as copy of him indicating this had been done. It was not until this company reported negatively on credit report that I was made aware of this not taking place. I did not receive any notification from the company advising me that the account was delinquent prior to their reporting negatively on my report. I have made several attempts and requests to have the information removed as well as sent in proof of my not being responsible at the time of delinquency in the form of a court order and this company still is reporting incorrect/negative information on my report. I have never received a bill or any notice of this account in any capacity.
I was a XXXX XXXX XXXX XXXX, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted XXXX. 
After several months of being reassured that the issue would be taken care of and being sent to different XXXX employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that XXXX would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though XXXX owed me money and they were refusing to pay me so I refused to pay them. 
XXXX started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with XXXX but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted XXXX to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that chase had reported in XXXX a charge off. 
I also remember receiving a XXXX from chase that I sent to the lawyer regarding the charge off debt.
First I like to explain that my choices above do n't match my situation that I am faced with. Although I do n't owe anything on this debt and it can not be collected. I did n't have the right choice so I put the dot in the Debt was paid spot. Now, I had a car that was repossessed in Texas. I had the car through XXXX XXXX who was my lender in XXXX/XXXX/2012. After the repossession XXXX did n't follow Texas Repossession Law. I asked NCB Management Services Incorporated to validate that this is a collectable debt under my rights as a consumer. I am going to provide all the information that I asked NCB Management Services Incorporated to return all the information that I need. Based on Texas Repossession Rights : Vehicle Information ; Year : Make Model Vehicle Vin Number : When the last payment was made month & year? 
When was the vehicle picked up month & year? 
What address was the vehicle picked up at? 
Who was the original lender? 
What address you send any letters to concerning the buy the car back? 
What address you send any letters to concerning the date of the vehicle sale? 
What capacity the car was sold in auction, private, bank sale and Date & Month? 
After or Before the sale did you provide in full detail the financial itemized report on damages, deficiency judgment, mechanical work itemization, and amount of sale letter How much was the car worth before the sale? 
How much was the car sold for at the sale? 
Provide all certified letters that were mailed out to the consumer by Texas Repossession Law. That notified the consumer what transaction was taking place on the vehicle. Under Texas Repossession Law the Consumer must have all this information and if the lender has not contacted the consumer on the sale of the car then the consumer is not liable for the remaining balance. I am asking for NCB Management Incorporated to be removed off my credit report because I asked them to provide to me this information within 30 days and they failed to d so in the allotted time frame. I would like an investigation done on my rights as a consumer under Texas Repossession Law. I ma providing a audio recording of the conversation with NCB Management Services Inc and my Personal Financial coach XXXX XXXX. In which they claim they do n't have to prove anything to the consumer that their collection efforts are valid. That is not true by the FDCPA, Fair Debt Collection Practice Act in which we have the attachments they needed to prove to me that their efforts as a collection company is fair to the Law.
Hello. My name is XXXX XXXX. My email is XXXXXXXXXXXX I was almost relieved to see the Lawsuit agaisnt Navient, as i have a loan with them. For the last year they have been lying to me about co-signer release, stating that it was a possibility if I went through a differrnt payment plan, which I held up my end and paid on time only to find out they lied to me and my co-signer ' can not ' be released. I also still have in my position a copy of the refund check of {$520.00} that Navient LOST and I had to get the Better Business burough involved to locate the money they lost. I have been consistently mislead and lied to by this company.. they deny me income based repayment and are the absolute worst customer servicer I have had, which is saying a lot because I was switched over, not by choice, from XXXX XXXX . I think loans should be forgiven when the Loan Provider Navient is abusing and misleading their borrowers for personal monetary gain.
the following transunion should be removed ... ... XXXX XXXX-XXXX..XXXX  XXXX  XXXX ... XXXX XXXX-XXXX ... XXXX-XXXX ... XXXX  XXXX-XXXX  ... XXXX  XXXXXXXX ... XXXX-XXXX ... .XXXX-XXXX  ... XXXX-XXXX.
I opened a new HSBC account on XX/XX/XXXX in response to their offering a {$350.00} signup bonus ( proof attached ). I fulfilled all terms of the signup bonus, but did not receive the bonus. 

After escalating with customer service, they told me I did not qualify because I had an open account during the time ( attached ). However, the terms clearly state only customers with an open account between XX/XX/XXXX and XX/XX/XXXX are not eligible ( proof attached ). 

My previous HSBC checking account was closed on XX/XX/XXXX. This means I am eligible. 

HSBC has failed to abide by their own terms and did not award me my bonus that I am fully qualified for.
I was informed on XX/XX/2017 by XXXX XXXX that I was approved for a loan modification. XXXX said I would received the modification by XX/XX/XXXX or contact him if not received. XXXX explained that they could not fit the 4 percent on the modification and I will have 4 months of a trial payments. If I did not want to receive this offer XXXX stated unless you have {$8000.00}. XXXX explained after the 4 month trial payment the mortgage can increase due to taxes. XXXX instructed me to do XXXX and all instructions will be included in the modification package once received. Question was will this Loan modification will be a permanent modification.
On XX/XX/XXXX I went in store at XXXX XXXX to return an incorrect item I received via an online order ( incorrect item shipped ). The correct item was no longer available. Because the store did not have the correct item to scan for the return, they called customer service and the representative on the phone said she would credit my account the {$42.00} paid ( original charge date of XX/XX/XXXX ). However, that was NOT done. I have spoken to two representatives on the phone and an in-store associate at the XXXX XXXX XXXX location in XXXX, OH and no one has fixed this issue. When the correct item was sent, the receipt said I paid {$0.00}, so I cant even return that! 
When I tried to use their secure message center and typed my message THREE times, it said it was not sent due to an error. It said to call the number, and the number said their office was closed!
CoinBase Has locked my account, I can not buy/sell or transfer crypto currency.  I owe XXXX dollars on the account and it is in good standing.. I have been trying to contact them for almost a month and I did not get my emails answered. I called them today and spoke with a woman she said she was going to escalate it.  And that she is sorry.. This is unacceptable to be holding my money like this.
Re : Ocwen Loan Servicing XXXXXXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Filed a complaint aganist Ocwen Loan Servicing about the wrong doing 's, with the deed in lieu and the sale of the house. It was sent to them. On Saturday XXXX/XXXX/2016, I get a notice that Consumer Ombudsman will review and respond by XXXX XXXX. And in the same mail I get a notice saying that my loan is being transferred to a new servicer on XXXX XXXX, 2016 XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX Now that they have falsified papers and been caught. I want the transfer to be stopped them to keep the loan and settle this. 
Thank You XXXX XXXX
On XX/XX/XXXX I contacted Capital Collection Services to verify an account that I was unfamiliar with. After receiving information that I was unsure of, I requested a letter to have physical of this account. They refused to send me a letter. They said they sent letters back in 2011 but will not send another today. I think this is horrible. How can you expect me to have documentation from 2011. Anything could have been happening to me during that time.
I had gotten a loan from Sierra Credit in XXXX, CA i let the car go resulting in my credit getting hit. Eventaully they brought my score way down and i decided to contact them and pay them to have them show im paying the loan. XXXX said i would see a difference in XX/XX/XXXX. I payed them since XX/XX/XXXX only to see they keep updating my credit as negative. I have receipts that im paying but they keep hurting score, i have tried contacting them to speak to XXXX and the representives tell me i will get a call back. This was over a month ago. I refuse to pay more money to this company as they are hurting my credit score regardless if i pay them or not. I wonder how many individuals theyve done this too already. I have not and will not pay until i receive a call, which the neglect to do.