WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased an American Express gift card in the amount of {$340.00} ( I paid {$340.00} total including the fee ) at the XXXX store in XXXX XXXX, CA, on XX/XX/XXXX. Then somebody fraudulently used my card ( even though the physical card had always been with me in my wallet ) in the city of XXXX, CA, at XXXX. The purchase amount was {$320.00}, it was made on XX/XX/XXXX, at XXXX XXXX. Pacific time. 
Transaction reference # is XXXX The store transaction number is XXXX I contacted both the Merchant and the card issuer. The merchant was NOT willing to help me at all. American Express representatives kept sending me back to the merchant. So it was a vicious circle for me. Amex rep gave a me a transaction reference #, and suspended my card with the remaining balance of {$16.00} I talked to AMEX representative named XXXX, his ID # is XXXX a few times on XX/XX/XXXX. And once again, he confirmed that American Express can not initiate a dispute with a merchant on my behalf, since a gift card was involved. 
So as a consumer I do not feel protected at all. I paid my money, American express received it, the merchant did, but it was NOT me who received a service or product. I just paid for some fraudster.
I went to check my credit and seen I owe money I never knew i owed. i never applied for anything. i always keep track of what i spent and what I owe. my credit score is low and im trying to build it but i dont want to be responsible for someone else. somebody is using my information. plz help
I try using my chase card on XXXX/XXXX/15 at a bakery department in XXXX, GA and chase stopped further transactions on my card. I called chase company to inquire about my card not working. The chase representative expressed to me, that I have made several charges. I informed the chase representative I did not use my chase card all day, until in the evening, therefore any unauthorized charges unknown are not mine. I then stated to the chase representative, the last time I used my chase card was on XXXX/XXXX/2015, at several businesses in XXXX, GA. The chase representative explained to me that he will forward my disputes to the chase claims department so they can can give me credit back on my card. Chase company strongly believes that, I used my chase card, to make those unknown transactions at places I never knew about. If I called chase about the unauthorized charges on my chase card, it is chase 's responsibility to probe and provide me with temporary credit until the investigation is done. Nevertheless, chase assumes I actually made the bizarre charges and not honoring me credit on my chase account.
I fell victim to a online personal loan scam which I already filed a claim on. They deposited {$840.00} into my Chase bank checking account which I was able to withdraw. The fraudulent loan company said it was to raise my credit score and they had to deposit a larger amount of {$1300.00}. At this point I received a notification from Chase that they were putting a hold on the check until XX/XX/XXXX and that was all I heard from them. Later that day Friday the XXXX I went to get gas and my card read invalid so I went to another station and same thing happened! Now Im freaked out so I call Chase and the guy says my account was closed. I asked him why and he said I would have to call corporate and I demanded he connect me, I was livid because I had just been embarrassed twice in front of my little boys! The man from corporate was rude and arrogant from the start and said yes my account was closed because I dont meet the criteria for a Chase customer! He said the checks deposited were bad and I was on the hook for them. He made me feel like the criminal! This is the only incident I have ever had with Chase, they offered no help nothing. I asked him when were they going to get around to telling me my account had been closed and he said I should get a letter in about 10 days!! I cant get the money left in the account out, Ive had to contact everyone that I paid through my debit card, Im on XXXX and I dont if I got to Social Security in time to stop next check from going to Chase? Its caused me a living nightmare! I told the man, you know if I had a million dollars in this bank this would be handled way different, he said if I had a million dollars in his bank I wouldnt be XXXX enough to fall for a scam!!! This is just unacceptable treatment period!
We made a Check Fraud Claim on XXXX/XXXX/2015 to Bank Of America for a stolen and fraudulently endorse check. 
We wrote a check on XXXX/XXXX/2015 for a mortgage payment of XXXX mailed to XXXX XXXX XXXX. 
On XXXX/XXXX/2015, we reported to Bank of America of a fraudulent endorsement on the check, that XXXX XXXX XXXX denied receiving or cashing the check, and XXXX stated they would not endorse a check by hand signature. 
We completed a Fraud Statement for Bank of America on XXXX/XXXX/2015. 
In the following weeks, I made several calls requesting an update. Bank of America was only able to inform me the bank of first deposit was XXXX without additional information. 
On XXXX/XXXX/2015, I requested a " recredit '' or " provisional credit '' in light of the waiting time and the fact I had made a substitute mortgage payment on XX/XX/XXXX to cover the missing check. I was told the analyst for my case would call me. I did not receive a call. 
On XXXX/XXXX/2015, I followed-up and was informed the analyst had left me a message on XX/XX/XXXX which I was unable to confirm. An analyst, XXXX ( who was not our case analyst ), told me that Bank of America would not provide a provisional credit in the case of a false endorsement and that she was unaware of any " recredit '' provision of law. She stated it may take 30-60 days for XXXX to respond, which is unacceptable. She provided me with the following information : XXXX was the bank of first deposit and an electronic reference #. She was unable to provide a particular branch, a telephone number nor mailing address for contacting XXXX. 
On XXXX/XXXX/2015, in a follow-up call by my spouse, our Case manager/Analyst XXXX ( XXXX? ) informed us she would ( finally ) call XXXX with a follow-up. We are unaware why we could not receive the phone number for us to call XXXX directly. My spouse was informed it could take 60-90 days.
I have repeatedly requested in written Qualified Written Requests to SPS, in telephone conversations with SPS, in telephone conversations with the abustmans office of SPS, in letters to XXXX XXXX, and in copies of the Qualified written requests to SPS legal representatives, and even in the CFPB complaint system numerous times the following information that has repeatedly been promised but never provided : 1. Accounting information from XX/XX/XXXX loan origination thru XX/XX/XXXX which includes all payment information, fees, interest, escrow information and payments for the loan and the complete loan accounting history and loan balance history and transfer and assignment information. 
2. TOTAL escrow accounting information from XX/XX/XXXX loan origination thru XX/XX/XXXX. 
3. Accounting information and all history concerning trial modifications and any payments and credits for them and also the verification of any loan modification alledged balances and accounting. 
The above information has NEVER been provided. Althought SPS and the previous servicer, XXXX  XXXX XXXX, provided history of payment records during their servicing of the loan they have both responded that they have no previous loan records from the XX/XX/XXXX loan origination timeframe thru XX/XX/XXXX and can not therefore provide it. BUT they then claim that they have satisfied the request for the information and close out the request over and over without providing the information and creating confusion and an illusion that they have complied with the requirement for the information. 
I submitted a request again for this information in this forum again ( along with a written QWR ) and provided several copies of the prior QWR reflecting just the most recent requests for the information and cited that they again responded that they had provided the information previously. In that complaint I also provided the attachments of the actual documents that had been provided to clarify and show clearly that they had not actually provided all the document. SPS promised to " work '' on getting the information but they did not provide attachments showing that they had provided even the data that they claimed they were sending besides the above required information. 
SPS has provided a certified document in court from a representative of XXXX XXXX  that certifies they have reviewed all accounting on the loan and deem the amount they claim is owed as accurate. HOW CAN THEY legally certify that information if they do not have all the accounting and escrow information along with the other trial and modifications accounting? XXXX XXXX  claims to have none of the account information in the past 2 weeks and has referred me to SPS.
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which still appears on my equifax credit report, does not relate to any transaction ( s ) that I have made. Accounts : XXXX XXXX, amount of {$3700.00}, XXXX XXXX, XXXX XXXX XXXX XXXX in the amount of {$8700.00}, are the result of identity. Also the result of identity theft are XXXX XXXX  accounts and they were sent to collections as well to XXXX XXXX XXXX XXXX, Account # s XXXX, AND XXXX amounts {$1700.00}, {$630.00}, {$520.00}, {$460.00}, All the XXXX XXXX   accounts, ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These accounts are also duplicates and also reporting under XXXX XXXX XXXX, XXXX XXXX, {$1000.00} account, -Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. On XX/XX/2018, the companies responded back stating that the disputed accounts, listed in my attachments ; have either been blocked or do not appear on the consumer 's credit report. The other CRA 's have complied and have deleted these accounts, however, after reviewing my Equifax report, they are all still reporting.
I paid my mortgage on time. I actually paid them extra money by check. When I went to my bank they had drafted extra money from my account without my authorization. This is the second time they have done this. A few months ago I paid {$850.00} cash money to them. The next week I had checks bouncing all over the place because they kept the cash AND took another {$850.00} from my personal bank. How do they do that? I did n't authorize my bank or them to take ANY money from my personal bank. This is affecting my reputation and my creditworthiness. In fact it is damaging to my reputation in the community.
XXXX XXXX and Experian have not removed a reported Maryland state tax lien from my credit report. The lien itself does not contain my full social security number or date of birth, therefore, they can not report it on my file.
I and my son purchased a 36 month lease from Ally Bank on a new XXXX XXXX on XX/XX/XXXX. We also purchased the Lease Protect insurance for damages and excess mileage. In the 1st year, the car was badly scratched and we decided to have it professionally repaired as it was an eyesore. The repair job was adequate and not noticeable. We returned the vehicle at the end of the lease in XX/XX/XXXX glad we had the damage insurance because there were some additional scratches we decided not to fix. 

Much to our surprise, Ally Bank sent us a bill for {$390.00} with no reason or details about what the charge was for. I figured they didn't realize that we had the damage insurance, so I sent them a copy of the receipt. They proceeded to send another bill. I called them and talked to an agent. She informed me that the bill was for improper repair. I told her we had the repair done at a professional shop, and she said it would only be waived if the repair was done at a XXXX approved dealership. Since I did not have it done at XXXX, I could not get the waiver. 

Instead I asked for proof that the repair was done improperly. I wanted some sort of independent auto inspector to make the decision. Ally gave me no proof and no means to verify their claim. What they did give me was another bill in the mail and threats to notify the credit agencies. I just received notice that my and my son 's credit scores are now significantly lower because of the negative report. 

They want me to just pay the {$390.00} even though they won't give me any proof that I really owe it. I'm not going to just roll over and pay. Ally Bank needs to be held accountable and show proof.
I have disputed this account with the credit bureau 's because it does not belong to me, yet, it still remains on my credit. Upon investigation of my own, I have found that they are not licensed to collect debt in the state of Florida.
Wire withdrawals marked " transaction completed '' on XXXX XXXX and XXXX XXXX made from Coinbase to verified savings. However the funds never came through and I have been unable to reach Coinbase support by phone or email. I have additional funds in Coinbase that I am now afraid to withdraw because {$5000.00} in wire transfers have seemingly vanished out of thin air and I have been trying to reach support for over two weeks.
On XXXX XXXX, 2017, I mailed Experian a letter updating my personal information on my credit file. I included a copy of my driver 's license, a utility bill and my social security card to prove my identity. Experian removed the employer information and updated my phone number. Experian has refused to remove the incorrect names and addresses from my credit file stating they were connected to accounts and that I would have to contact the sources to have them removed. Experian sent my a copy my disputed results and I am not satisfied with the outcome.
On XX/XX/2018 I noticed XXXX XXXX XXXX Report a balance of {$960.00} on my XXXX, XXXX, and XXXX credit file which I do not recall. I havent received anything from this company at all via phone, via postal service, or any contact method. This is harming my score I requested something bearing my signature from this company.
On XXXX XXXX, XXXX I missed a call from XXXX. I received a pre-recorded voicemail stating a simple suit has been filed with their company. In order for the process to be stopped I must contact their office immediately at XXXX and reference case number XXXX. If I respond to the message once contacted by the county processor I will be required to have two forms of identification and if I am served at my place of employment and I am not present my supervisor or human resource person will be required to sign for me personally, and stated I have been officially notified. 

On XXXX XXXX, XXXX I called the company back at XXXX and they asked me to verify my name and the last four of my social security number. I verified this. I asked them the reason for the voicemail and the representative stated I had a loan with XXXX XXXX back in XXXX. Then the representative stated I did n't make the because I was n't working was this correct? I stated I never had a loan with XXXX XXXX and I asked if she could send more info to me in writing, she refused and disconnected the call. 

On XXXX XXXX, XXXX I called CFPB to file a complaint and obtain the required information to file a complaint. On the same day I called XXXX and asked about the company and the loan. The representative stated they can not share any information about XXXX XXXX with me and that I will receive court documents to appear in court. The company stated they do mediations on behalf of XXXX XXXX. The representative did provide their company information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Once again, I 'm making another complaint against TransUnion for failure to remove inaccurate information from a credit report. Federal law requires that the credit bureaus report information on my credit file that is accurate and complete. I 've proven numerous times and have made numerous complaints against them for reporting information such as date that do n't exist, court names that are invalid, and reference numbers that do n't belong to the bankruptcy. 
You can find all this information in the documents attached. I also do n't understand how the credit bureaus can respond and say that these items are reporting accurately and meet the requirements of federal law when I 've proven, like I said, that this information is inaccurately and incompletely on there. Are you saying that a bankruptcy court name is not supposed to be listed as US Bankruptcy Court? You 're also saying that the city and state should be listed? You 're saying that " us bankruptcy court '' is the way that the court is supposed to be listed without listing the city and state?? 
I 'm appalled at the responses that I 've received not only from the credit bureaus but also from your government agency that is supposed to protect me against this abuse. It does n't matter where I pulled my credit report, this is the way that I 'm seeing these listed and the way that my creditors are seeing listed. You need to actually look at the documents that I 've attached and you will see exactly what I 'm talking about. Do n't just send this information to the credit bureaus without looking at it. I 've attached my letters, my previous complaints, and the proof directly from my credit reports that they are in violation of federal law. I require that these items are removed immediately and permanently from my credit report. I 've also made complaints with the Atty. Gen. of California, as well as the Better Business Bureau. 
I would like to see the actual, physical documentation that supports their reporting of these XXXX items. Congress states in XXXX versus Trans Union from XX/XX/1997, that the only legal form of verification is the physical documentation. In addition, there required to have this physical documentation prior to ever reporting it on my credit report. So why is it so difficult for them to send me these court documents when they supposedly already have them? Even if they do have them, they can not prove that they 're even reporting these items accurately. I have the proof and the proof is exactly what I need for these to be removed. I 've already retained an attorney, and my attorney gave me the advice to make one more complaint and send one more round the letters before I take legal action.
I submitted a complaint with the XXXX XXXX XXXX on XX/XX/XXXX about a charged-off account that I was a joint owner on with Santander Consumer USA , Inc. The company responded on XX/XX/XXXX with a response and submitted documents that were sent out to inform of the defaulted loan in the amount of {$670.00} according to the document and the sale of the auto on XX/XX/XXXX. I was never informed of the default of the loan or sale of the vehicle at auction in writing. The documents Santander submitted all show an address that I have not resided at since XX/XX/XXXX. The documents also show that they were addressed to both owners instead of separately, which if done so the documents would have been forwarded to my address at that time and they were not. I lived at the address in XXXX, FL for 2 years ( XX/XX/XXXX-XX/XX/XXXX ) and did not receive any documents of delinquency. I discovered the charge-off of {$11000.00} by checking my credit report. The joint owner on the account recently passed away due to long standing health complications ( physical/mental ) from the military on XX/XX/XXXX. Still til this day of XX/XX/XXXX, I have not received one physical document in the mail from Santander about this account and my current mailing address is listed on the documents they submitted to the Better Business Bureau. This debt has caused me tremendous problems when it comes to obtaining credit elsewhere and also when looking for a home whether renting or qualifying for a mortgage, which have ended in denials.
I recently filed a complaint with CFPB on XXXX/XXXX/17 regarding two accounts with Midland Funding. First account amount resulting in {$630.00} and second amount {$580.00}. Midland responding with " Cease and Desist '' but stated I still owe for these accounts even though per Midland Funding policy " we stop credit reporting on accounts that are more than two years past date of delinquency. The response also stated to refer to an law office which would mean that I was sued by them and have no such knowledge of and was n't properly notified. I have yet to be presented with proof of ownership for these accounts I also have yet to receive any supporting documentation for these accounts. Nothing has been done to verify the legitimacy of these accounts.
In early XX/XX/XXXX I was desperate for money and had received calls from a Amplify funding As I already sold my home and was merely waiting to close the loan I asked to borrow XXXX $ I never was sent the loan documents but assumed how bad could it be, well 6 months after acquiring the loan I realized that they were taking XXXX $ out twice a month I decided to call and ask my balance .I was then informed that I still owed XXXX more payments of XXXX $ bi monthly. 
I then asked what could I go as to date I had already paid twice back what I borrowed I was then informed that if I refinanced the loan the payments I made would be eliminated and I would start off with the original XXXX $ I borrowed I asked how about the XXXX $ I already paid and the answer was silence. 
I know I borrowed the money but as I have already paid back double what I borrowed I believe I have paid enough It is gouging older people on limited incomes and I can not continue to have XXXX $ taken out my limited income every month I was stupid to not get this totally clear Your help would certainly be appreciated Thank You, XXXX XXXX Last four of SS is XXXX Date of Birth XX/XX/XXXX XXXX
XXXX credit reporting agency had deleted an account XXXX XXXX XXXX off my account now they re-inserted it again. This account was deleted and should not be reinstated.
On XX/XX/2017, Argon Credit received a payoff from me. On XX/XX/2017, they decided to take an additional payment AFTER the payoff had been made. I spoke with someone who asked that I send proof that this had occurred. I emailed the proof and called on XX/XX/2017 for resolution and refund. At that time, I was told 2-5 business days. I waited until XX/XX/2017 and called again as I had not been refunded. I was told then to send the information to which I had proof that had already been done and should have received a refund. I was told it would be processed on that date and I should have my funds by the end of the week. I requested an email stating the refund was being processed and was sent it on that very same day. I waited and called, yet again, on XX/XX/XXXX, as it was the end of the week and still no payment. I was refused a supervisor and told said supervisor would call me back. On XX/XX/2017, after no return call, I called back yet again. I was refused a supervisor and told it was being processed on that day and I would see my funds by the next morning. On XX/XX/2017, I called for the final time, was refused contact with a supervisor, then told they were within the 10-15 business days and I would just have to wait. This company is withholding monies they fraudulently took from a customer who paid off what was owed to them. Their representatives are extremely rude and untrained in customer service. They send you around in circles and refuse to be of any assistance.
Tried to access my account online through a stock buying/trading site and Capital one blocked my access to my account.
I requested my annual free credit report from TransUnion but they refused the request because there is an open dispute. Is that within the regulations?
On XX/XX/2017 I contacted XXXX to dispute multiple inquiries on my credit that I am not familiar with. I spoke with the rep and stated that multiple inquiries can not be verified and I asked for such inquiries to be removed because the creditor does not have written authorization from me to pull my credit. The rep stated that I need to send in a police report which is innacurate when the inquiries have not been validated.
THERE IS A INQUIRE N MY CREDIT REPORT FROM XXXX/BILL ME LATER THAT I DIDNT MAKE. I HAVE WROTE LETTERS TO XXXX/BILL ME LATER AND THEY HAVE FAILED TO RESPOND TO ANY OF MY REQUESTS