WillisBack/dataset-financial-user-claim huggingface dataset:
A fraudulent credit card application was made using all my personal information and on XX/XX/2017 {$20000.00} was charged on a Capital One credit card. I did Not make application for this Capital One credit card and I did Not sign for this application in person, on paper and mailed, or online. I alerted Capital One of the fraudulent application and charge. I have a fraud alert in all 3 credit bureau 's and I attempted to file a fraud credit card report with the Sheriff division however, their opinion is it's a civil problem and it's between you and the credit card company. Capital One closed the account however they later changed the credit card numbers and continued billing me after they had closed the original account under a new set of credit card numbers. In order to maintain my excellent credit score and good credit reports I began to pay minimum payments until the fraud issue could be completed and the account would be closed permanently. Unfortunately, Capital One did not report the credit card fraud to the 3 credit bureau 's and only reported the amount of {$20000.00} of which ruined my near perfect credit score. I have requested several times a copy of the signed credit card application showing my signature and how it was signed. As of today 's date Capital One has not provided any of the documents I have requested of which is under the consumer 's regulatory mandated rights. If I do not receive resolution to this fraudulent credit card claim I will be forced to seek legal council to rectify this issue. I will also forward this information to other governmental agencies in regards to how Capital One has handled this fraud claim.

Best Regards, XXXX XXXX XXXX
My complaint is against Bank of America. I have had a account with them since XXXX, we started in XXXX with a local bank, XXXX, Nations Bank bought them and Bank of America bought Nations. I started to use my debit card & found the account was frozen, I called for the reason & after being on hold and XXXX or XXXX different people they said reason was they needed more information and gave me a number to call Monday. I waited about XXXX hrs and called the same XXXX number again & told them I wanted to talk to their supervisor, after XXXX more people I finally got him. He said the reason it was frozen was they had sent out a letter with about XXXX questions on it & it had not been returned. I told him I had never gotten it He said anything that important should have been sent Registered Mail. I ask what the letter was about he said about maybe XXXX questions, I ask what they were & he said the following : What Country was you born in. was you a US Citizen & where were you living now also the main source of your income, the way the country was now they needed this up-dated.I said you mean they froze my account for this. They could check this as most all of our checks are direct deposit Our total income is {$XXXX} less taxes .Income derived from pensions, farm land rent, Bank of America dividened shares which we inherited. Our balance in bank now is {$1700.00} and I need to pay my monthly bills. He gave me a number to call Monday & I would Fax information & maybe it could be released by Wednesday. I would think this would be illegal & certainly not fair, I am XXXX & my husband is XXXX and certainly not a XXXX. They had to word it as up date information to keep them legal. Then last week I checked my account & I had wrote a check for {$240.00} ch # XXXX to XXXX for my Mothers care, the next entry was ch # XXXX for {$4200.00} to XXXX, and it came bac Insufficient funds but they put that back in there & said was a computer glitch, then they charged me {$35.00} for in sufficient funds, I called again told them off since this was not my fault so they took this off. I think they are out for everything they can get. They were so crocked & XXXX XXXX so greedy they got themselves in this position and the rest of us are paying for this, Our Bank stock income was around {$XXXX} per year & now XXXX cent per share. We are now in the process of selling bank stock for something to make us more money and changing banks, they wo n't miss us we are to small but if enough did they would realize it. When proxy fight was for XXXX to keep both positions they called us to see if we would vote for that, which we did but it looks like they just try to keep themselves under the legal radar. Totally fed up with them & disappointed please help me I need our money it is ours & to keep them from doing this to anyone else.
I was contacted by Becker and Klein stating i owe money on a XXXX XXXX cc. They stated it was from XX/XX/XXXX they threatened to take money straight from my paycheck. I got scared and was not sure if i really did owe and did not want any problems so i started paying. Although i kept feeling i might be getting scammed, they now changed there company name to XXXX XXXX XXXX. I actually paid the whole thing off the total was {$940.00}. My problem now is i asked for something in writing stating that i was paid in full. They said we can send an email and hard copy which would you like. I said both its been over a week and i still have not received my proof of payment. I am now worrying that this was just a scam and not sure what to do next. I have a copy of the original email stating the payment breakdown, and phone numbers i have used to contact them. I also have bank statements with proof of my payment! I will try to call again on Monday but i thought i should reach out just in case this really is a scam. I am a hard working single Mom and would to hate to think i just got scammed. Any help would be highly appreciated.
TRYING TO REMOVE INQUIRY. FROM XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX WHICH WAS DONE XXXX/XXXX/16 WITHOUT MY PERMISSION.
XXXX XXXX XXXX is charging an additional {$10.00} to make a mortgage payment online and if you pay by phone they also charge {$10.00} to make a payment. There is no longer a way to pay your bill without being charged additional funds to pay your mortgage. 

There website also often does n't work making it difficult to pay your bill in general
I owed {$1600.00} to the XXXX XXXX XXXX during my final year in college- 2016. I attempted multiple times to pay this debt, and wrote them a check requesting that it be submitted after a certain date.

They ran the check before the requested date and it bounced which charged me on the bank side, and on their side.

If they would have cashed the check on the day I requested ( my pay date ) they would have had their money on time and not submitted me to collections.

Additional charges were made to me such as a tax warrant penalty, filing fee along with penalties and interest they had made against me during the 5 months after the debt being due.

I made payments to the XXXX XXXX XXXX to absolve this debt.

The XXXX XXXX XXXX  submitted this to a debt collector called Harris & Harris , Ltd. in XXXX, IL The amount I owed them was {$1700.00} which I payed within a few business days of this claim.
I received a letter from XXXX XXXX , XXXX stating that I owe {$100.00} to PayPal. I explained that I do n't have a PayPal account, but first I gave my Social Security number to verify my identity. They said I would receive a fraud victim packet and I never did. I tried following up by phone and every time I start asking questions they hang up. A XXXX search revealed that many other people have been scammed out of money by this same company.
Calvary Portfolio Services was paid {$720.00} in 2013 in an effort to have them remove a collection from my XXXX and XXXX credit reports. Despite me never contracting with company I paid them because XXXX refused to collect the monies owed to them. I now have a delinquent XXXX entry and a Calvary Portfolio collection account for the same debt. I have made several calls to request deletion of improper entry to my credit report but was told it is not their policy to delete especially since I had already paid. I never received notices. The item just appeared on my credit report. I was never allowed to validate the debt.
XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX The Unfair or Deceptive Business Practices of XXXX XXXX XXXX, to Extort or Solicate Monies in the Violations of my Civil ( XXXX ) Rights, in the needs for a Made Cause of Public Corruption, the Continuing Escalating Concerns of Personal Harms and Domestic Finance with No Recoveries of Monies or Compensations for a Living Standard.
I have a collection on my credit report from ncc for the company XXXX XXXX in XXXX XXXX Wyoming. The amount is for XXXX dollars and first they tried to tell my fiance not to bother to come to the hearing that was at a a later date thrown out of court the debt was for supposed damages and late fees that was compiled by paying rent 2 days late for months not knowing about this and was never told about the debt. This was in XXXX to XXXX.
A check was returned without posting to an account with sufficient funds to the account and a nsf fee was charged. Bank explains " an order of posting '' logic that cvannot be backed up in writing. At the close of the business day of XXXX there was sufficient funds to cover check. Please see attached statement. aLandlord is not charging me late fees that should be for the account to bank of America.
Synchrony Bank called 2 days in a row using different numbers. 

XXXX XXXX, XXXX at XXXX a.m. XXXX : called from XXXX XXXX XXXX, XXXX at XXXX a.m. XXXX : called from XXXX Neither time did they identify themselves as debt XXXX. I used XXXX to look up their phone numbers and found out who they were calling in behalf of.
This loan is in foreclosure, and the homeowner had successfully completed a HAMP Trial Plan with the servicer XXXX, making her 3rd payment on XX/XX/XXXX. The servicer then changed to Caliber. On XX/XX/XXXX we received the permanent HAMP modification, however, while the trial payments were for {$1400.00} per month, the permanent mod payments in the first version of the modification we received were for {$1900.00} per month. We pointed the discrepancy out to Caliber 's attorney on XX/XX/XXXX. Three weeks later we received the revised modification agreement with the corrected monthly payment, on XX/XX/XXXX. The agreement stated that it was to be returned by XX/XX/XXXX, essentially giving us just one business day, which was the Friday before XXXX. XXXX was out of town for the holidays and we sought clarification regarding an ambiguous instruction on the modification, for which we received clarification on XX/XX/XXXX. We sent the signed, notarized agreement out that same day ( XX/XX/XXXX ) and Caliber acknowledged receipt the next day. Nearly four weeks later, on XX/XX/XXXX, we were notified that the date was missing on the signature page of the agreement, and that we should re-sign and re-send. Four business days later, on XX/XX/XXXX we sought clarification as to where to send the corrected modification. Caliber 's attorney replied that same day and the corrected modification was sent out the next day. Caliber acknowledged receipt of the corrected modification on XX/XX/XXXX, just four days after Caliber 's attorneys provided clarification as to where to send it. On XX/XX/XXXX, we were informed by email from Caliber 's attorney that the modification was cancelled because the homeowner " failed to execute and return the agreement ''. Caliber 's attorneys also stated that HAMP would no longer be available to the homeowner We believe that timeline speaks for itself. The initial delay was primarily caused by Caliber incorrectly calculating the initial final modification, which they then had to revise. Subsequently, it took Caliber nearly a month to inform us of the missing date and the need to re-execute, which we did promptly. Punishing the borrower for this delay by revoking the HAMP modification and taking the position that it is no longer available is completely unfair. Please help us with this matter, the borrower is terrified that she is going to lose her home. 

Thank you for your time.
. 
My daughter needed financial support in getting repairs completed on her car which had been wrecked. I called the auto repair shop and talked to the owner. He told me that all work to this point has been concentrated on restoring the body work and no work has been done " under the hood ''. I asked what it would take to get the car in working order. He gave me an off the cuff verbal estimate of {$600.00} to {$800.00} for his shop work plus {$200.00} for painting. I found this acceptable and asked for a written estimate. I never received a written estimate. On XXXX XXXX he called and told me the car was finished and available for pickup. He told me the charge would be {$1300.00} and required me to give him my credit card information over the phone ( I live in another state ). I asked him for an invoice. I received an invoice the next day by email. On XXXX XXXX my daughter picked up the car. On XXXX XXXX, I see a charge of {$1300.00} on my credit card statement in addition to the {$1300.00} charge I approved. I had no idea where it came from. I had received no estimates or invoices to that effect. I emailed the owner a demand that the charge be removed from my account. After a few days it had not been removed and I filed a formal dispute over the phone with Bank of America. On XXXX XXXX, 2015, I received an adjustment of - {$1300.00} on my XXXX statement. I was relieved thinking the issue had been resolved. On XXXX, I noticed a debit of {$1300.00} by the auto repair shop on my credit card statement. 
I called BA and asked about it ; I was told my dispute had been overturned. I was told the auto repair shop had submitted documents to support its claim. I asked for and received a copy of that documentation. I was never presented with opportunity to submit any documentation to challenge the shop additional charge prior to it being overturned. After it was overturned I was offered the opportunity to submit documentation. I sent XXXX pages substantiating my position. It was too late. Bank of America was in no position to change its mind. 
The repair shop had my card information and the machine to make the charges against my account. The shop owner said the additional charge was for a catalytic converter replacement. The catalytic converter was no where near the area damaged in the wreck. Months later I was not able to get an explanation on why it was replaced. Maybe it was n't replaced, maybe it was needlessly replaced or maybe it was stolen while the car was in an unsecure area and had to be replaced. 

I depended on Bank of America to protect me from fraudulent charges and for XXXX years they did so ; not this time.
I get a Robo call from XXXX at least XXXX times every day for the past month. It concerns a supposedly debt with XXXX, but I called XXXX and that debt does not exist. If I return the call, I 'm just presented with an automatic message about where to send payment and no human ever answers. This harassment has been going on for months.
I have co ntacted Consumer Portfolio Services regarding an inquiry. My request was very specific but the company respon ded as if they could not understand. They also did not provide any authorization.
I was one of those people who was talked into opening an account with Wells Fargo. The account was called a PMA. I opened it because it was n't going to cost me anything and the banker was local and nice. After the scandal hit, I went into the bank and closed the account. What was n't mentioned to me when I closed it was that since, under the PMA, my statements of my several accounts were all combined, the on-line statements for my main checking account ( which I 've had for over 30 years ) would disappear from on-line. I only saw this when I went into my main account to check some figures for my XX/XX/XXXX income taxes. There are no online records for XX/XX/XXXX, XX/XX/XXXX and the first four months of XX/XX/XXXX. After talking by phone with five different departments, I was told that while they might can send me hard copies of those records, they can not restore them online. This is outrageous and directly connected with their account-opening deceptions.
My name is XXXX and I have been fighting several medical collections listed on my credit file that I don't believe are mine. They are listing dates of service from this year, last year and in XX/XX/2016. I haven't been to any type of medical facility in over 3 years. I have disputed with the bureaus to no avail. I don't know where else to turn.
While XXXX last fall, I applied for and received the barclaycard Luxury Gold card. The bank waived the {$990.00} Annual Fee. However since returning from XXXX I have received 2 notices from barclaycard indicating they will no longer waive the Annual Fee. I wanted to understand if this legitimate. When I signed up for the card, barclaycard said they would waive the fee for the duration of my time on XXXX? Are they allowed to change that policy mid-stream? I still ( hopefully ) have several years on XXXX XXXX and would still appreciate access to the many benefits, as well as 0 % APR made available through this card. I appreciate your time.
XX/XX/XXXX-XXXX, XXXX- informed them that this was incorrect. plus showing XX/XX/XXXX when in fact it should be XX/XX/XXXX.
On XXXX/XXXX/XXXX, I woke up to emails from western union stating two large sum transfers were initiated and picked up totaling {$5000.00}. I did not make these transfers nor did I authorize them. I called western union to report the fraud and was told all they could do was close my account. They did not give me a fraud file claim number or any additional information and are unwilling to help investigate or recover the funds
I am being harassed about a XXXX Orchard Bank debt of {$500.00} which is now {$2100.00}. this they say happened in 2000. I say I cleared this up and I do n't owe them. My credit report has been cleaned up at least XXXX times in 15yrs. I say the statue of limitations protects me against their claim. They called me and threatened to come to my job and file a court judgement against me. They just want the money and said they would call on Friday, today to see what plans I have for paying them ( a XXXX party ) XXXX XXXX XXXX Firm.
I had a auto loan through Wells Fargo Dealer Services. 

My auto loan was charged off on XX/XX/XXXX. 

I made a payment on XX/XX/XXXX that they have record of but they said for some reason the payment never went through. I had sufficient funds in my account at the time I attempted to make the transaction. They had no specific information was to why my payment never went through. 

I was never emailed or contacted by phone to be notified my loan was about to be charged off. 

Additionally, when I found it was charged off they presented me with a number of payment plans. The cheapest option was XXXX a month for 3 months, to bring my payment back down to XXXX for 12 months. 

I explained that I was currently in school full time on the GI bill and that the problem with my payment history stemmed from highly publicised issues the VA was having paying veterans their GI bill payments. 

I further explained that XXXX was the exact amount I was getting in GI bill payments for my area and that would be an undue burden. 

They said they were sorry and that there was nothing they could do. 

I even attempted to refinance with a very credit worthy cosigner theough wells Fargo and they would not refinance me. 

So now for the next 3 months the XXXX a month I make through the GI bill is going straight to my car.
I have a vehicle loan for 14 months, and I have paid excellently, but it is not reflected in experiam or XXXX, it only appears in XXXX, according to experian and XXXX I do not have open accounts and they are denying me all kinds of credits for the information they were providing from my credit
I was stunned once I reviewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Have spoken to all 3 CB to have these inquiries removed *XXXX XXXX XXXXXXXX XX/XX/XXXX Primary Residential XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CB s have sent research letters to XXXX on XX/XX/XXXX and XXXX has sent nothing back to validate the inquiry. These inquiries were done without my permission.
i recently make a purchase using how payment metode paypal butthe seller never give me the service i make a claim inside paypal butthey go in seller favor this is the unique transaction number XXXX and i thinking this is fraudulent seller soplease helpme to get back my money
This dept collector Organization acquired a judgment order from XXXX court Colorado - stating ... Failure to appear judgment in favor of this debt collector- from what the dept collection organization provided for them that I owed someplace around {$2000.00} plus {$3000.00} in extra fees ... This debt collector organization also said that they had served me a notice to appear ... And when I asked him to give me a description of who they served it was totally not me ... They describe the person they served as XXXX, and approximately XXXX years old in which I am neither - not even close ... They said this judgment order was legal document to my bank - XXXX XXXX - The bank verified it been a order then put a freeze on my bank account & within a few days {$5000.00} was taken out of my account ... and within one week the money was completely gone ... I called the bank and all they could tell me is to call the deck collector in which they Gave me the number, in which I called only to get a answer machine. When the money was lifted out of my account by the collector ... Then I received a letter notifying me of the court order and that I still owed a XXXX totaling around XXXX XXXX XXXX XXXX dollars. After calling the dept collector to get the information on the reasons for this debt they described at that time they served A gentleman at XXXX years of age -approximately ... I said well that was n't me and they said well that 's the last place we have any information on you and for the courts that 's good enough ... I asked him who I supposedly owed the money to make stated XXXX ... I have never done any business with the XXXX. So as it stands my money is gone ... I was never was served to appear in court ... And I have no documents for this money being loaned to me or whatever to date ... I 've tried to get the information on it and the only thing they can say is that all information provided over the phone will be used against me ... so I 'm reluctant to give them any information since they seem to me to be crooks - not to be trusted ... My bank says that they had a legal order ... So how do I find out what this original {$2000.00} this debt collection organization they said I owed is all about.