WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX of this year, I wrote to the XXXX XXXX/SYNCB that I wanted to close my XXXX XXXX XXXX # XXXX because of the annual fee they charged me. And requested them to waive the annual fee after they have closed this Visa # XXXX! 
On XX/XX/XXXX, XXXX XXXX wrote to me that my XXXX XXXX XXXX # XXXX was closed as of XX/XX/XXXX. And the balance on the account was {$0.00} after they removed the annual fee, late fees and interest. And apologized for the inconvenience and frustration they caused me! 
On XX/XX/XXXX, I wrote to them again and attached a copy of the letter XXXX XXXX sent me! Because their billing department keep billing me for the annual fee with late fee and interest ; they also reported to the XXXX Credit Bureau as delinquent on payment to them! 
On XX/XX/XXXX, their customer service department replied that they were doing right reporting me as delinquent on payment and avoiding the XXXX XXXX letter I sent with my complaint to them! It seems to me they do n't care and what they want is ripping me of with fees and Interest!
Experian received communication via notarized signed affidavit to NOT add any Fraud or OFAC alerts to my Experian report without my consent. Experian willfully and negligently added a Fraud Alert anyways on XX/XX/2017. Here is the XXXX tracking of the certified letter sent to them that CFPB can google, XXXX. I have attached the affidavit sent to Experian as a record to the CFPB. It does n't have my notary information listed for my privacy protection.
USAA refuses to deposit tax return check for {$41.00} and change. ATM will not accept the deposit. Closed branch in XX/XX/XXXX with no nearby branch for hundreds of miles. App does n't work. Same problem had in the past and they ca n't fix it. Requested 2x of 2 hour windows to call and they could n't do it, stated they were busy when calling 45 min or more later. Took photo as requested. Completely readable. Refused to deposit.
Frequent and repeated calls with same vague pre-recorded message. No information provided to identify debt referred to in message. Different phone numbers appear on caller ID with each call. Different area codes, different company names ( some with charitable org. Names -nonexistent org. ), or different city and state with each call. Recorded msg. instructs listener to use phone to enter info.
XXXX XXXX XXXX has reported to all 3 major bearus that I had a late payment. I have contacted them directly and all three bearus separately in regards to being involved in a Natural Disaster Hurricane Irma who put me without work for two weeks due to no power and distruction. I have submitted disbute within the creditor itself and also XXXX, Experian, and XXXX. No one is resolving the issue.
I am a victim of identity theft. This 's my 3rd complaint. I have 2 police reports on file with the XXXX Police Department and XXXX XXXX Police Department and have sent 2 police reports with the case numbers listed to XXXX XXXX, XXXX and Experian in regards to the following fraudulent and unauthorized collection/charge off account and hard inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX-Branch, XX/XX/XXXX. The collection accounts and hard inquiries are all fraudulent and do n't belong to me. I have never had an account with XXXX XXXX XXXX.
I am having problems getting hired and have applied at several companies including XXXX XXXX XXXX Headquarters, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and more and no one will hire me I am XXXX years old and worked full time 32.5 years and was let go XXXX 2014 because of slow productivity. I lived off my retirement and then went on unemployment while I pursued employment. My question is if my credit is affecting my getting work I ca n't live off my XXXX year old father until Social Security and I cant go back on unemployment until XXXX I have a house, dependents and bills how do I pay? 
Please email me if you could let me know XXXXXXXXXXXX Thank you for anything I am desperate Here are a few responses I received You are scheduled to interview with XXXX tomorrow, Thursday, XXXX XXXX at XXXX No Response yet, We have received your application for the position of XXXX XXXX XXXX Sales Team Member-XXXX. Unfortunately, we are unable to consider your application, Thank you for taking the time to speak with XXXX XXXX XXXX regarding the Mail Services opportunity at XXXX. At this time, we are moving forward with other candidates who are more closely aligned with our client 's specifications for this position., We enjoyed meeting you and sharing more information about XXXX XXXX and its businesses. Although your background and qualifications are impressive, we wanted to let you know that XXXX XXXX has selected another candidate whose qualifications and credentials more closely matched, We appreciate you taking the time to submit your qualifications. After carefully considering our finalists, we have selected another candidate. We invite you to visit our website at XXXX for other opportunities. XXXX XXXX XXXX XXXX XXXX
In XXXX I applied for a short term loan with my financial institution XXXX XXXX XXXX XXXX XXXX XXXX. I have been a member of this banking organization for 40 years. The application was not approved, due to a credit report received from Experian. Several visits to the credit union attempting to resolve this issue were unsuccessful. I was advised that this was an issue which I needed to address personally. I submitted a dispute on-line and a phone call but continued to get the same results. After complaining to my credit union again, they submitted a formal dispute to Experian, because they should have been listed on the credit report. Final results was on last week produced promising resolution. After three ( XXXX ) months of disputes, someone discovered the truth.
i had a chase card more than XXXX years ago i get a summons to appear in court from XXXX XXXX/nearly XXXX later i received a garnishment from MAGISTRATE COURT OF XXXX COUNTY enforced by XXXX COUNTY SUPERIOR/only to hear today it may not have been processed properly/anything to help is appreciated.
Please see attached XXXX Police Report Pages 1 -10 ; www.IC3.gov FBI internet crime Report pages 1-7, FTC report number I am a victim of a Grand Theft California Penal Code PC 487 grand theft level : felony. 

Google Play Account Holders falsely representing themselves as " XXXX Support '' and scammed me our of {$2000.00} on XX/XX/2018. 

Per XXXX Police investigation " Google Play '' has data access to track purpetrators and track transaction details to dispute and credit the {$2000.00} charges to include 1.The actual data entered by the user to get a Google account 2. The email for the Google account user 3. The IP address for the user regarding all transaction on the Google account including email purchases playing from remote devices etc. 4.The end IP addresses for all email and messages sent from google account users 5. The actual emails and messages and contents there of that were sent received 6. The physical location of the users IP addresses that Google logs for each search each purchase and any delivery 7.The type of purchases, products, services but through the Google account and any clues that might collectively provide 8. The type content and language is used including syntax of words and phrases search through any of Google search engines while logged into the Google account I have brought up all these issues to google play at XXXX they provided me with a report number but have failed to give me any sort of refund I am requesting and demanding an immediate refund of {$2000.00}
This company has never submitted any definite proof that this debt was mine and have had plenty of time to do so. They need to remove all their information from my credit report. My information has been stolen so nothing less than a signed contract will be accepted.
On XX/XX/2018 someone went into a branch and took {$2000.00} from my checking account. My wallet has been stolen and they did this to more than one of my accounts. 

This is devastating, I don't know what to do.
XXXX of all, I am a LEGAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I came here at the invitation of the XXXX Government and when I got in the USA the financial / credit system was new to me. I 've learned that I have to build a credit history and credit points and I have to prove that I am an educated planner and responsible credit card user which I did. XXXX of the XXXX credit cards I obtained was from Home Depot and because the credit line was small I could n't use it very much, and my credit score at that time was not enough to request an increase and I was advised to wait some time and then to request an increase. Mean time I builded my credit points, I worked hard to pay always on time and here I am with an Excellent credit score after a couple of years. I constantly checked on my online Home Depot Credit Card account to see if there is any line increase available for me but all of a sudden my account was closed. There was no notice, no letter, no message about the closure, I just discovered that from the Credit Bureau that is a mark with an account closure and I had no knowledge about it. There is no limit in their terms and conditions for not using a credit card before it is closed. I contacted the Client Care and the person could n't give me a time limit for not using a credit card with them and it seems arbitrary - they choose when to close an account or not. I was advised to re-apply but that means to hurt my credit score. Then I asked to submit a complaint and I got no ticket number. The Client Care representative told me : " There is no way to provide you with a tracking number. I can not give you anything such as an email or notice. Your complaint has been forwarded to a specialist ''. 
At this point I do n't know what 's their terms and conditions regarding the time I can have a credit card without using it and what is the status of my complaint.
I have recieved multiple calls from a company by the name of Portfolio Recovery Services. They are calling me harrasing me about a debt I have no recollection of as I have never done buisness with this companyy before. They call me from various numbers and when I ask them how they got my personal and work phone numbers they will not tell me and they hang up or talk over me. Latest numbers below .... 

( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
I spoke with a lending agent and all my conversation were recorded. Closing costs and fees were not to exceed {$700.00}. Estimates attest to the same. At closing, pdf file document is doctored and shows fees which total monthly costs in excess of {$900.00}. I never agreed to this. They are pulling a bait and switch in hopes that I just sign. It is deceptive and lending done in bad faith. The names of Wells Fargo agents   involved are : XXXX XXXX, XXXX XXXX, and XXXX XXXX. They operate in unison to conspire to defraud me as a lender by shifting numbers at closing.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Equifax did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the account ( Original Creditor : )  XXXX asap
In XX/XX/XXXX, my Citi XXXX Credit card was charged a {$95.00} annual fee. I called Citi and asked to cancel the card. They provided a retention offer, saying that if I spent $ xx on the card in a certain amount of time, they would waive the annual fee. A couple weeks later, I could not remember what the offer had been that I needed to complete, so I called citi back to ask what I needed to do. The representative shared with me that I needed to spend {$95.00}, and I did so that same day. A month later, when the annual fee had not been refunded, I called Citi to inquire why it had not been refunded and I was told I had not made the charge in the required timeframe. I shared that I had called Citi the same day I made the charge and had been told at that time that the offer was still valid. Citi still refused to refund the annual and said they would need to go back and  listen to the call history, which might take up to 30 days. I informed them that would not be paying until they called me back with the resolution on the dispute. This dragged on for 3 months, and I was not provided a resolution until XX/XX/XXXX. Citi did at that time refund the annual fee and the late charges due to their error, and I paid the full account balance at that time. Citi refused to let me dispute the derogatory credit reporting.
Two months later, I have tried to use my card and was declined multiple times, I assumed my card was expired or something. I called Citi to have a new card sent, and was told that my account was closed, prior to my discussion and resolution with them in XX/XX/XXXX. I was never sent a letter informing me of the account closure. They also stated that I would have received a letter in my online banking and there is no such communication there. The person I spoke to for over an hour who refunded my fees also never informed me that my card was closed. Additionally, I have had a credit balance on my card for two months now, and despite the fact that the card has apparently been closed for almost three months now Citi was simply holding on to my money, instead of sending me a check for my balance.
Citi clearly violated regulations in not sending me notice of account closure, they also should have sent me my credit balance, however my primary concern is the derogatory credit reporting that Citi reported, despite the fact that there was on ongoing dispute regarding the charge on the credit card that was not paid. Citi dispute # : XXXX
Experian, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXXs repeated requests. Second, Ms. XXXX requested Experian to provide the method of accuracy & verification used by Experian pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Experian remains non-compliance till date. Third, Ms. XXXX requested Experian to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, Experian again went silent.
We are experiencing a very difficult time with the Stearns Lending LLC based out of XXXX, VA. 

Stearns Lending ignores customer requests. They do NOT provide written confirmations or guarantees of service requests. ( Such as reversing their errors. ) If there is a late fee, they will continually apply late fee payments to the principle and will never mark an account as up to date. So your normal mortgage payments are seen by them as being underpaid. They will hold your payments and NOT apply them for a whole month and then take next month 's payment and pay off last month and say that the CURRENT month is now late. If you get a late payment, they set up a scheme to NEVER stop charging you late fees. 

XX/XX/XXXX our mortgage payment increased due to local taxes. We make auto payments through our bank so we did n't realize that we had to pay more. In good faith we called Stearns Lending and asked " What do we have to pay to have our account be up to date and all late fees paid and be good with our normal payments '' They gave us the wrong amount over the phone. ( Requests for written information were always denied. ) In XX/XX/XXXX after we made our 'good faith ' payment. Stearns mailed out our statements late for XX/XX/XXXX. So we 'according to Stearns ' were still in arrears due to their late payments. Even though we promptly paid the amount they told us to. Since then ( XX/XX/XXXX ) it has been a constant cat and mouse game with Stearns, trying to get them to remove late fees and apply our payments properly. 

I believe they do these practices on purpose in the hopes we 'll just bend over and pay all their false fees. 

We make written inquiries via their website contact form and inquiries take forever to be acknowledged. They stall more by saying repeat inquiries will only delay the process. 

Do NOT use STEARNS LENDING for your mortgage.
I opened a small business in 2014 with a term loan and a line of credit from Comerica Bank. We signed a term sheet that did not disclose any prepayment penalty and it was not discussed with us. The final term loan contract included a clause about a large prepayment penalty that was difficult to understand. We are now trying to refinance the loan and are being told we owe a {$6100.00} prepayment penalty on a {$150000.00} balance.
I have paid this debt in.full and went to.the court and filed psper work and paid to.have it removed from the courts and my credit reports but still showing as open in the XXXX county courts and all the credit bureaus
The aforementioned credit collection agency representing XXXX XXXX XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX does not have any documentation, they need to retract this from my credit file immediately.
XXXX XXXX from Law office of XXXX XXXX XXXX called me at XXXX today. XXXX XXXX asked me if I intend to make payments on the loan I owe. I explained that since I have records of only XXXX loan being signed I had requested from XXXX XXXX, the representative at their law firm, proof of the XXXX loan. XXXX XXXX proceeded then to threaten that they would enact the judgement against me, even though I 've repeatedly tried to get proof of this XXXX loan that they insist I owe them. He harassed me by belittling everything I said and when I told him I could pay about {$100.00} a month he said, " Ha, you want me to do all the leg work for $ XXXX/mo that will take you 18 years to pay ''. I explained over and over again that I wanted to work with them but I 'm in a financially bad situation. Over and over again he made me feel scared about what they could do to me. I told him that I did n't want to speak to him any further and that I wanted to speak either to XXXX XXXX or the lawyer on my case, XXXX XXXX. He then said, " do n't you hang up on me ''. My husband and mom who were listening to the whole entire conversation were shocked and my husband kept saying hang up, but I did n't, even when I was physically shaking and crying. This was by far one of the scariest and traumatizing collection calls I 've ever had. XXXX XXXX has been rude to me in the past, but never like this. Thank you for your time.
I made payment arrangements with XXXX to help resolve debts instead they took my personal information and still filed a lawsuit against me. One of the credit cards were n't part of my debt because the card has been stolen and I am to pay it forwarf.
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly dele
Hello, I 'm a XXXX XXXX XXXX XXXX that uses Coinbase.com to sell my virtual currency. I have not had an issue to doubt their integrity until just a few weeks ago as my previous experience with XXXX is rather painless. I submitted a wire transfer withdrawal from my XXXX account to my XXXX XXXX XXXX checking account for the amount of XXXX The website advertised there is a 3 day delay at the time of submitting this withdrawal wire. I waited 3 business days and opened up a support ticket on their website which was answered promptly, but with a generic message ( summarizing ) " the services are delayed due to high volume ''. Fair enough, it was a high point in the crypto-sphere, I can understand there is lots of volume. So I waited some more and posted a response to that same support ticket ( case XXXX ) asking for an update which was on XX/XX/XXXX. No response so I posted once more on XX/XX/XXXX for an update, no response. It 's now been 13 business days and no one is taking ownership of this issue. I believe there are more people impacted by this as social media is also reporting lots of failed communication attempts. 

I called my bank to verify that the wire was not rejected and they confirmed no wires are pending or were rejecting to my account. 

I am hoping you can help as this may be a small amount of money to some, but for me it 's a relatively large amount. The reference code given to me by Coinbase for the transaction is XXXX and is marked complete on XX/XX/XXXX I am hoping you can help.
I have contacted trans-union various times between XX/XX/XXXX and presently. 
There are various hard inquirer 's on my credit report, and the ones listed below I don't recognize nor did I authorize any of them. I have filed disputes, and attempted to contact customer service from both the hard inquirers and trans-union themselves and each time they did not offer to resolve the problem. 

Below are the names and dates of the hard inquires I have disputed and am currently wishing to challenge as these were not authorized by me and I did not initiate any such applications or grant any permission to these companies to run my credit. 

Hard Inquiries on Trans-union report .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries from XXXX report .... 

XXXX XXXX XXXX Various XXXX XXXX inquires between XXXX all through XXXX showing up 5 times precisely on my report.
I was attempting to buy concert tickets from a listing on XXXX. He suggested to use XXXX since it was involved with the the major banks of XXXX XXXX  XXXX, his bank, and Wells Fargo, my bank. He told me he would electronically transfer the tickets to my XXXX account upon receiving the XXXX XXXX, and I would get an email of the notification. No such email was rec 'd by me. He called me a few minutes later to tell me that the XXXX transfer did not go through because we haven't done it before with each other, and I needed to call the bank to confirm the transfer.This was my first time using XXXX. I called to file a fraud claim with Wells Fargo, they said the transfer had indeed been completed. I told Wells Fargo that they are facilitating fraud with other banks if there is no mechanism to unwind an unfulfilled, fraudulent transaction. It's simply wrong in this electronic age to allow banks to facilitate a fraudulent transfer of money, since two step verification with a security code can be installed to protect the sender and receiver in multiple steps of a transaction. 

The amount in question is {$200.00}.