WillisBack/dataset-financial-user-claim huggingface dataset:
While owning a XXXX in XXXX, I signed up for XXXX paid services from XXXX XXXX to XXXX XXXX ( XXXX year ), and when term of the contract was up I did not continue with them. Since then I had never had any business interactions with XXXX and last year ( XXXX ) I sold my XXXX. 
On XXXX XXXX, XXXX, XXXX years after I had worked with XXXX, I received a charge of {$82.00} from XXXX on my American Express XXXX credit card. I called card and reported that I do not authorize this transaction. I called XXXX, and they figured out that current XXXX just recently started a paid advertisement campaign with XXXX. While signing them up XXXX did n't bother to ask them for credit card information because they have my card associated with the same billing address on file. All that because they have a policy in place to keep all credit card information on file indefinitely. This is why my card was charged. Even though my card 's billing address has been changed long time ago. 
When I spoke with XXXX 's billing representative ( XXXX times ), instead of to apologize and offer to refund money, she said that until current studio owners wo n't pay, XXXX wo n't return money back because this is their policy. 
I thought that as soon as they recognize a total mistake on their side ( it was absolute professional negligence ), they will take all measures to correct it ASAP. Instead they offered me to call current business owners myself and ask them to give XXXX their credit card instead of mine. 
It sounds pretty outrageous as we all strive for perfect customer service and XXXX prizes itself of being a site that helps businesses improve their customer services by people leaving their honest opinions. At the same time as we can see XXXX policies are far from perfection. 
Moreover, when new XXXX did called XXXX and provided it with their credit card information, XXXX announced to them that they anyway will not refund my money. They simply do not have policy to refund in place. 
I feel like I am dealing with the company from the XXXX world country so rude and unprofessional all that sounds. 
I need your assistance in resolving this issue. At the same time I believe that XXXX should be forced to change their credit card information storing policies as they violating customers rights.
7 months ago i took out a title loan from XXXX  in XXXX XXXX florida. Then every thing was fine till i got sick they did not working with me or did any thing to help me in my situation. Now they keep on saying i owe XXXX dollars all the time i paid huge sums of money. they are ripping me off and i need them forgive this debt. i paid over 500 dollars and they keep on saying i still owe the XXXX dolalrs. they never gave me a slip on showing how much i own last time. they can care less i had 3 XXXX XXXX  and they will not help me what so ever. i even have a XXXX  XXXX  that they know and they keep on wanting medical records on that breaking hippa law. i don't make that much money i am on XXXX and they are taking advantage of me
After seeing recent media on hacks on the american publics information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report. 

I have never lived or been associated with these addresses below : 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 XXXX XXXX XXXX, XXXX XXXX XXXX I have never applied for credit resulting in a INQUIRY with these companies below : XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX Below are a list of Accounts that are fraudulent I have no knowledge of them at all Account Name : The Bureaus Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : 01 XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : 01 XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX/XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1500.00} Account Type : Credit card Account Name : XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : XXXX Account Type : Collection Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Open:XXXX Balance : XXXX and XXXX Account Type : Credit card
On XX/XX/2019 I attempted to apply for the American Express Delta Gold card with a promotional offer of XXXX advertised on XXXX. Once clicking, I was routed to American Express 's website where I received a system error on American Express 's side. I called and was told they could not find any offers. I then XXXX at American Express and was given another phone number to call. At that time I was able to apply on the phone. I gave the customer service all of my information, and the account was instantly approved. 5 days later I received my card with a {$1000.00} limit. I then called to find out why I received such a low limit yet was instantly approved and stated that there must be a mistaken given my high credit attributes and high income. I received a credit report from XXXX using XXXX XXXX only a few days before applying which showed a XXXX score, and stating that my credit was better than 76 % of the US. Given the oddity of this I asked if there was a mistake, however after being transferred 4 times I was told that no one could explain the result or if a mistake had been made, but that I could request a limit increase which would require another credit inquiry. I ask, in the span of 5 days, why would I need to risk damaging my credit twice in order to receive an accurate credit line or explanation commensurate to my attributes. As a final point, if the offer to receive XXXX requires a $ XXXX spend in 3 months, wouldn't it make sense that the limit be atleast {$2000.00} ... forget the fact that a family of XXXX couldn't get anywhere in the world and back for {$1000.00}.
I have had a HAMP loan modification through Wells Fargo and they have not performed paying XXXX borrower 's incentives for on time payment as noted .... 
Borrowers who make timely payments on their modified XXXX lien and the modified payment resulted in at least a six percent reduction from the monthly mortgage payment used to determine eligibility will receive a " Pay for Performance '' incentive in the form of a principal reduction of up to {$1000.00} per year for five years. This incentives accrue monthly at {$83.00} toward principal. 
Thank you!
To Whom Can Help Us : Problem : Chase Bank charged excessive fees over a period of XX/XX/XXXX-XX/XX/XXXX * Total Amount of Fees Charged During Period : {$9900.00}. 
Highest Fee Charged in One Month : {$660.00} Two Service Fee Charges in One Month : Many Source : XXXX XXXX XXXX Chase Bank Statements * NOTE : I was extremely ill for a long time when these charges were happening or I would have addressed them at that time. My illness led to my retirement from XXXX and I'm on XXXX XXXX. 

XX/XX/XXXX- As I finally slowly been getting better, I'm questing every significant value that makes no sense in my lifestyle. Given this, I sent a secure message to Chase Bank ( my bank ) expressing my concerns and I was going to get to the bottom of it starting with downloading my online bank statements from XX/XX/XXXX-XX/XX/XXXX. AND I found Chase Bank charged me excessive Cardmember Services Fees. These fees were charged to my personal checking account for my business account, XXXX, XXXX. 
XX/XX/XXXX- Chase said they would forward my message to Chase 's credit card team. I never heard from Chase credit card team until much later when I called them. 
XX/XX/XXXX-XX/XX/XXXX- Chase Bank stalled by demanding my husband or I present the 16-digit credit card number ( s ) for XXXX, XXXX credit card. We didn't have the cards anymore. Chase closed XXXX credit card in XX/XX/XXXX. We shredded our cards. All receipts from my XXXX files showed only the last 4-digits of the credit card number. 
XX/XX/XXXX Finally, I talked to Chase " HQ '' and within 15 minutes I had two 16-digit credit card numbers associated with XXXX business checking account, which Chase did NOT charge fees ; BUT charged excessive fees to my personal checking account. 
XX/XX/XXXX Using Chase secure messages, I provided Chase with XXXX 's 16-digit credit card numbers for my husband and for myself as given to us by Chase " HQ ''. 
XX/XX/XXXX Chase 's secure message response didn't mention the 16-digit credit card numbers, rather they made comments like : They couldn't pay statements older 6 years and they couldn't pay all charges owed, they couldn't ... 
XX/XX/XXXX This is the day my husband and I stopped communicating with Chase and sought guidance from professionals who know how we should proceed from here. 

Thank You. 
XXXX XXXX
Convergent Outsourcing recently reported ( XX/XX/2016 ) my credit, claiming that I owe {$630.00} to XXXX in the state off XXXX. This debt is fraudulent as I have neither opened an account with XXXX nor lived in XXXX. Although I have disputed and successfully deleted this debt with all XXXX credit bureaus, at least XXXX times in the past, it keeps reappearing on my credit report.
In XXXX 2017 I spoke with Navient and was told that my student loans were in good standing until XXXX 2017. In XXXX I was offered a job, when they pulled my credit XXXXport, it showed 3 of my student loans were in default. When I called Navient I was told my loans were not in default and were in good standing. They refused to send me a letter. The job offer was withdrawn and I lost a job paying me {$87000.00} per year plus bonuses and incentive. On XXXX XXXX, I received a letter that my taxes were going to be intercepted to pay student loan in default. I am told over the phone my student loans are in good standing until XXXX 2017.
I opened a savings account at Wells Fargo. After noticing how frequently they imposed fees, on XXXX XXXX 2016 I decided to close it. I called and requested the closing of the account and the transfer of the existing balance ( {$1300.00} ) to my XXXX XXXX account, which was linked to it. On the phone they agreed to do that. 
By XXXX/XXXX/2016 the account was closed, the funds gone, a note in the statement for the month said " Account close Cashier Check {$1300.00} ). However I never received the check or funds. They have disappeared. I called and they claimed that they sent the check by regular mail. I never received that check by email. I went to Wells Fargo 's branch in XXXX, where XXXX XXXX XXXX, store manager, XXXX, to ask for the check to be replaced. XXXX XXXX said that I would have to pay a fee of {$30.00} for " lost check '', plus a bond for 2 % of the amount ( another {$30.00} ). If I do not pay these fees I will not receive a check. 
2 months have passed since this started. I do not think I should be penalized with fees for funds that they have failed to make available to me. They have not provided proof of the check they sent, and even if they had, they should facilitate its replacement ( if lost ) instead of imposing " extortion '' fees to give the money back to the customer.
Equifax has been non-compliant with removing the unverified account Bankruptcy XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX have both completed their research and determined that Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
TD Bank representatives twice assured me that they removed late fees on my account. Instead, TD Bank reported my account as delinquent, damaging my stellar credit score.
Now XXXX have I disputed these XXXX accounts ... I was the victim of identity theft and I have submitted the police report and decision letter by the Social Security Administration issuing me a new social security number to both XXXX and Trident Asset Mgmt. I 've exhausted Over 2 months with disputing these XXXX inaccurate records and they still have n't deleted the XXXX accounts from my credit report. I have provided all required by FCRA to show proof of identity theft from which I suffered. They have also blatantly lied to XXXX XXXX or XXXX has conceded without proper investigation into the inaccuracy of these accounts XXXX and reported that I had never directly communicated with them, and even ... that they had no contact information for me. I can provide mail from Trident Asset Management that verifies contact initiated by me and their response. Now this company is feigning lack of contact information for me. Their conduct is a direct violation of the FCRA and at this point I 've suffered irreparable harm as a direct result from the XXXX accounts remaining on my credit report. They have even defrauded CFPB by reporting that they had no contact information for me ... and further, that I had n't communicated with them directly.
I am an employee for XXXX XXXX XXXX XXXX and I have been out on medical leave from XX/XX/XXXX to the present. On XX/XX/XXXX, a direct deposit was made in error and that money was not mine because I did not work and were not entitled to any funds directly from XXXX XXXX XXXXXXXX in XXXX. On XX/XX/XXXX, I was made aware of a transaction from my company XXXX XXXX XXXX XXXX in from the Administrative Judge in my XXXX case. My employer deposited a check in the amount of {$910.00} into my closed account at Suntrust. Suntrust bank never got in contact with me about the deposited funds. Nevertheless, the reporting of the funds to social security has caused me to lose out on my XXXX because it appeared that I worked. On XX/XX/XXXX, I contacted my employer and asked them to correct the issue with the 3rd quarter reporting of wages, and to also correct my XXXX form, which they refused to do. According to my employer, I had received the funds and it was my problem. I then contacted Suntrust bank and talked with Mrs. XXXX ( the Vice President ) at the XXXX XXXX location in XXXX XXXX, NC. She typed up a letter for me stating that my account was closed on XXXX the XXXX and that any attempt to deposit money into my account would have been sent back. As it turned out, Mrs. XXXX reported to my employer that I owed the bank money and they utilized the funds to pay off my debt to Suntrust, but I never received a statement to that effect. In addition, Suntrust did not send me the remaining balance from the funds. I contacted Mr. XXXX XXXX ( Supervisor at Suntrust with the Account Recovery and Retention Department ) and explained how the money that was deposited into my account was not mine and needed to be returned to my employer. Mr. XXXX instructed me to have my employer 's ACH to contact Suntrust 's ACH and to have the funds pulled back. I told my company what he said to do ; however, XXXX XXXX ( HR ) took it upon herself to contact Mrs. XXXX On Friday, XX/XX/XXXX. Mrs. XXXX asked Mrs. XXXX to provide her with my information before she could discuss my account, which she did without my consent/ permission. On the same date, Mrs. XXXX proceeded to share the details of my bank account with Mrs. XXXX and again, this was done without my consent. There were at least four exchanges of communication with these individuals, with three of them being written exchanges of information in e-mails, which I have in my possession. I contacted my employer and discussed the misrepresentation of Mrs. XXXX with XXXX XXXX ( CFO of XXXX XXXX XXXX XXXX ) on XX/XX/XXXX ( because this should not happen to employees ). He refused to investigate the situation although he forwarded e-mails to me. When it comes to me recovering the funds, Suntrust sent me a check on XX/XX/XXXX, for only {$660.00} out of the total deposit of {$910.00}. This amount in no way covers the full deposit, which I am returning to the company, but I need the full amount.
After checking my credit reports, I was alarmed to see that for my XXXX XXXX Credit Card Account, several late payments were reported that are incorrect. I have been very consistent with paying my balances with XXXX XXXX on time every month and have never been late and do not understand how any errors of this magnitude could have been reported that were inaccurate. I have communicated this issue with the creditor by mail on XX/XX/XXXX and have not been able to receive any resolve.
COMMONWEALTH OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX  and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto.

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below.

3. Date : XXXX2018 Dear Equifax FTC Report Number : XXXX  Victim Fraud Assistance Department, Creditor Names ( s ) : XXXX XXXX XXXX  - Account Number # XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number # XXXX  I have included all pages with the official police report from the XXXX   Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Equifax, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Equifax. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home.

Sincerely, cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX  cc : PA Banking and Securities
Dear, Consumer Finance The reason for me contacting your company is I have companies reporting information to my credit report that is not accurate and they have no information on the account. These companies have places hard inquiries on my credit report and I was unaware. I have be trying to contact these creditors on many of occasions. So that I may handle this matter. My first attempt was last year XX/XX/XXXX. The Only inquiries that where deleted where the inquiries on my XXXX report. I have also contacted these creditors today XX/XX/XXXX. And they are still not giving me information on why the inquiries are not being removed from my XX/XX/XXXX and experian report.while talking to some of the creditors today they stated the sent letters out to have the hard inquiries removed from all three credit report. I am becoming very exhausted with them cause I been trying to remove these items since last year. I havent received any information to why these hard inquiries are still being reported when a request of a removal letter was sent to all 3 credit bureaus.
I am filing this complaint because Experian has ignored my request to provide me with the documents that they have on file that was used to verify the verizon accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified. '' For some reason, Experian thinks sending me a letter stative " it 's been verified '', is proof of verification which it clearly is not. Please resolve this manner as soon as possible.
I did write to the credit bureaus, but have n't received a reply. I have been paying all my bills on time for years now, and have paid off several credit cards completely, but my credit score is not going up. I was recently denied a credit card from my bank, XXXX even though I was granted a big increase on my local bank 's XXXX credit card, based on my credit. XXXX has been difficult to deal with, even though I have a good payment history and decent income. Am wondering what 's going on. I am a XXXX XXXX veteran and receive a good amount to survive on, and my wife has a good steady income XXXX for eight years. My score ought to be above XXXX by this time. Also, XX/XX/2015, I applied for a loan to purchase an R/V at a Texas R/V sales location, and the salesman sent my application to a dozen banks, without telling me. This hurt my score, as well. Can I do anything about that? My Social Security Number is : ***********. My phone is : XXXX. My scanner is not working, but I can mail verification of my veterans status, discharge paper, and recent letter from an inquiry into my credit scores. XXXX has been unfair in their denying me, while a local bank in my city, has approved a credit card with a high credit limit, based on my credit history.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX  XXXX XXXX XXXX XXXX , Oh XXXX, XXXX XXXX XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , ohi XXXX XXXX XXXX XXXX, XXXX  , oh XXXX, XXXX XXXX XXXX XXXX XXXX , ohio XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  , ohXXXX. 
Please remove the following numbers : XXXX
The aforementioned credit collection agency representing Santander Consumer USA has violated the FCRA by not providing documents to me in regards to this debt. I have no knowledge of this debt and have not received anything that pertains to this debt. This account is unverified and all collection actions need to cease indefinitely. This business is required to disclose to me all of the documents that they have recorded and or retained in their files that pertains to this debt.