WillisBack/dataset-financial-user-claim huggingface dataset:
My debit card was stolen from a restaurant/bar in XXXX and the suspect spent almost {$600.00} before I noticed and cancelled the card. Their purchases also caused my account to go negative. M & T credit the money back to me and now after their investigation they advised they are taking the money back out my account on XXXX. After. Multiple calls and associated they told me it was denied because suspects do n't usually steal cards and go use them at gas stations and car washes and XXXX XXXX Department store. I asked multiple times to speak to someone who could help me and there has to be some way I can fight this because if a proper investigation was done, it would show it was n't me using the card. I work hard for my income and am a single mother of twins. Taking this money from me was devestatipng enough to have to work with for the two weeks it took them to refund it and now to take it again is wrong. This is my hard earned money. I 've been a customer for years with that bank and have never been through this before. The fact that XXXX different reps just all said well it is what it is without any real help is not right. To say that the area where the card was used are places I have used before as a reason to deny is not acceptable. Of course when a card is stolen from the area you live in they 're going to use it at the same places. XXXX is not that big! The fact that I 've been in tears for two days and have had to repeat my story repeatedly to the different reps who all say the same thing " sorry claim was denied there 's nothing else to do '' is so demeaning. This money being taken means either my children wo n't eat or our rent will not get paid. I just do n't understand how a company that prides themself on customer service could treat me this way.
there is a spelling of my name that is wrong. also it has an address Iv never lived at in there
In XX/XX/2018 my cousin XXXX XXXX added me to 3 of his credit cards as an Authorized User since he was having difficulties making his payments on his card, in trade he allowed me to use the card and by doing so it would add to my credit history since I don't have a vast history on my credit report. 

My other cousins were added to the card and their information is reporting. I called each of these companies and they stated that they sent the bureaus my information for it to report but I'd have to call the bureaus. I called Experian on every number I could find for them and they have it where you can't talk to anyone no matter what you do. I don't believe it's fair that they can have this type of power of my ability to get financing and don't even have a way to speak to a human being, no fax number, only a mailing address that I don't want to lose all that time waiting on the mail. 

I've also asked them several times to remove any mailing addresses that weren't my main address but they insist on keeping them on. 

I also asked them to remove all the name variations with exception of my first name, middle, last name and suffix, they insist on several different name variations.
My information was leaked due to negligent care taken to protect sensitive customer records. As a result I have had at least one fraudulent account opened in my name and now need to check constantly for additional cases of fraud. Equifax failed their duty to customers and this case of gross negligence is absolutely unacceptable for a company of their size and stature.
I have dealt with a few of the credit card companies, including XXXX XXXX who had been uncooperative at times with a negative item which had been on my report for 7 years. This occurred in XX/XX/XXXX, during which at this time I have established new credit. The negative item was on or around XX/XX/XXXX-XX/XX/XXXX. I called all three credit bureaus trying to get negative inquiries removed, and all three were uncooperative, so I called XXXX XXXX an agency that helps remove negative items. I do not work full time I am on XXXX, I also had been receiving loan applications from the credit bureaus tempting me to apply, and I did for a few because of my credit card debt, I wanted to get a loan to pay them down and make one payment, they never told me that it would be a hard pull and it ruined my credit score. All of my accounts are paid on time. I also tried to opt out and they continued sending loan applications. I also have a complaint about the companies, XXXX and XXXX XXXX XXXX who I have been a long time consumer. XXXX offered me a credit limit of {$6000.00} dollars and I have tried to get a loan through them and they turn me down because of my income which is from XXXX. Even though I have struggled I am a responsible person and pay them every month. I had called XXXX XXXX XXXX late at night and got a man on the phone who was more than rude, yelling at me saying that I did n't provide any information and that was a lie, I told him my name, and everything he asked I answered it, he continued to yell at me until I asked for a Supervisor. He apologized for the person 's behavior. Whenever I apply for credit, these are a part of the reasons, Proportion of revolving balances to revolving credit is too high. Lack of recent information on installment accounts. ( I do n't even have a current loan ) I had one in the past with XXXX XXXX XXXX and they never reported the loan as payed off. Another was, too many inquiries in the last 12 months. ( I explained that to a customer service person at one of the credit bureaus, I believe it was XXXX that I have an addiction and am getting help in therapy. Not sure if they believed that but it is the truth. I mentioned earlier that I wanted to opt out because I did n't want to be tempted to apply for any new credit and that was the reason why. I have been treated unfairly with no resolution.
I mailed a Multiple  Inquiry Removal Letter  to EQUIFAX on on (   X/XX/2017  )  by certified mail in order to dispute information, in regards to  (   XXXX   ) i nquires, that is being reported on my credit report. They received the letter on (   X/XX/2017     ) and they never completed an investigation nor have they contacted me within the 30 days required by law. The request that I submitted included Inquiries that were NOT factual. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a respon se ( NUMBER ) d ays after the receipt of my certified, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me, I did not sign anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.   I have n't been successful at getting in touch with anyone over the phone and other means to follow up with regards to my  Official Request.
On XXXX/XXXX/16 someone wired our money out of our checking acct.online. I received an e-mail on XXXX/XXXX/16 from the bank that I had changed my password, another that I had changed my phone number, another that I wired money out and there 's a XXXX.The amt.was XXXX wired to XXXX Bank.The bank would n't talk to me on the phone, I did n't know the password! I went to the bank and reported.I closed that acct.and opened a new XXXX without online access.I reported to the police. I was told they would refund my money within 30 days, but usually within 10 days.We had this acct.almost XXXX yrs.We are XXXX, this is our only money.I had paid bills that day.Those payments bounced, late fees are now due, I had to spend money designated to other bills to pay these returned bills.Electric co.requested it in writeing .I asked the bank manager to give me a statement that it had to be closed & is under investigation.NO, would n't give me it.I have not received any information at all.Now, besides the late fee, I must go pay cash in person for 1 year as I paid them on a closed acct!! I had to use my car ins.money, now I could lose my cars! This has been a nightmare!! I have been to the bank several times.I get no help.All they say is " it 's under investigation '' .This is ruineing us! My husband has serious XXXX XXXX, this is hurting us physically.We need help!! I was told the bank had 3 days to notify us of findings to date.We begged, could n't get anything.And that the bank had 10 business days to investagate, and then should refund us all but XXXX while investigation is ongoing.We desperately need our money now.We have late fees pileing up, we ca n't pay.I ca n't pay anything on time as I 'm still trying to catch up. We can pay our bills, but it takes all our money.We do n't have an extra XXXX to spare while the bank takes it 's time investigating.We need help!! I 'm so surprised and disgusted that the bank would treat us like this. They gave away my money, changed my password, phone number, address, without my knowledge.And now I have to beg for my money, and they could care less.Please, please help us ASAP!! Any help is greatly appreciated.
I do not owe the amount that this company claims. The so called debt is related to XXXX and my attending this online institution. I was enrolled for a year and a half but dropped out after the third week of the second semester in 2017 the university received their payment for the class then I decided that this program was not for me. XXXX still claims I owe them this debt when they were paid for the class..
ChexSystems is NOT replying to my claims. 
The FCRA Section 605B does NOT allow ChexSystems the right to NOT block items on my credit report with them, because ChexSystems " thinks '' that my police report, is LIMITED to the time frames I THOUGHT the ID theft occurred. ChexSystems is NOT blocking ID theft items because they are interpreting the law in their own way. I have provided them copies of the law to show that they are totally incorrect in their interpretation. They feel they have answered my claims when in fact they are lying and avoiding my claims. Section 605b of the fcra does not allow any time frames to be interpreted into the law it only allows for them to block the items I claim as identity theft if I submit an identity theft report. Check systems must block the items within four days of receiving everything that the law requires of me which I have provided them several times. Their refusal to act according to the law is my claim here. They interpret the law differently than the law is written. That is illegal and they are breaking the law by doing this because only Congress can rewrite their laws and only the courts can interpret the laws to have them be valid period check systems does not belong to either one of those entities and so they have to follow the law and not rewrite the law period my claim is because I was a victim of identity theft since the XXXX 's, and when I filed the police report in XXXX I was not aware of the full extent of the identity theft or how long it would last. Section 605b of the fcra does not give time frames or allowances for the credit reporting agencies to interpret the law and say your identity theft claimed items do not fit into your police report. That is what they are wrong and breaking the law. This is what I want them to respond to. The fact they are not reporting XXXX or XXXX or XXXX on their systems anymore is nothing to do with them period I did all the work to get those things removed from my personal information all they had to do was follow up and see that the company did not want to report anymore. They act like they did something when all they did was harm me for over two years with XXXX and XXXX and three months with XXXX period because they reported those items against the law. Please have check systems reply to these claims and not how they 're trying to divert attention from the fact that they are breaking the law and rewriting the law and think their policies are the new law. All I have to provide them is a copy of an identity theft report and then ten years after that report I can say I 'm still a victim of identity theft and that 's identity theft and they have to block that item without question within 4 business days. The fact they 're saying it does n't fit into the police report his where they are lying and breaking the law and they can not reinterpret the law the way they are.
I tried to withdraw XXXX from a XXXX atm using a comdata XXXX. It is a payroll card from XXXX. i have an account with chase, and was going to deposit the cash from the card to my account. The atm shut down mid transaction and did not dispense the cash. XXXX told me it is the responsibility of the Comdata card bank to pay me. I have contacted them repeadedly and have been given the runaround. They say it is not their responsibility.
I have written to professional accounting with no response. I filed a complaint with this company with CFPB. Eventually, I found out the company operate s through another name, XXXX XXXX, however I have not received any response to my request to validate this debt since I am not aware and have never been aware of the debt until recently.
Hey, I am trying to link my bank account to my stock pile account. It wont let me because it says capital one is stoping my account from linking please fix this
Care Credit/Synchrony Financial opened a new, additional Care Credit account without my knowledge or consent. Synchrony claims to have mailed " opt-out '' instructions for new MasterCard accounts, which I have never received. My existing account is still active, and now there is a second, separate account that has been created which I had no previous knowledge of. Upon contacting Synchrony Financial/Care Credit to ask why an additional account was opened using my information without my knowledge or consent I was informed that they believe they are legally allowed to do so because of their " terms & conditions '', even though I have never given permission for a brand new account to be opened. I stated multiple times that I had never consented to a new credit account being opened and was told it was " temporarily open '' and that there was nothing I could do about it. When I stated that I never received any communications regarding a new account being opened and did not want the new account, and that I had never legally consented to any new Care Credit accounts to be opened in my name I was told that my only option was to " not activate the new card '' and that they would continue reporting the new account to the credit bureaus for the next 120 days. When I stated they should not be reporting XXXX open accounts to the credit bureaus because I only had XXXX authorized open account with them and have explicitly informed them that the XXXX account was opened without my knowledge or consent I was told to " dispute it with the credit bureaus. '' No attempt was made at resolving the fraudulent account or the impact it will have on my credit.
Complaint : I have never received a statement from XXXX. I pulled my credit report the other day and noticed that there is a collection account on my credit report that I am very unhappy about. This Collection account reports back to the year 2015. I called XXXX today to discuss this and they could n't even answer my questions. I have no idea who they are. I have never received a statement from them nor have they even contacted me. I need to know what this is all about. I am very upset because this is damaging my credit. I paid them in full since it was a small amount, and ask them if they would remove all negatives on my credit report, with a " office policys say no ''
My husband and I bought a Certificate of Deposit on XX/XX/XXXX from First Bank. First Bank was bought out by US Bank in XX/XX/XXXX. On XX/XX/XXXX we took the CD to an US Bank for disposition, but was told that they have no record of the transfer from First Bank to US Bank in XX/XX/XXXX. The CD was for {$1800.00}. I was told by the bank manager that we must have  cashed it in, but this is not true. 

What I've done. 
1. Called FDIC and spoke to XXXX who suggested that I call the State Income Property Office @ XXXX in XXXX, Ne. and CFPB. -XX/XX/XXXX 2. The State Income Property had no record of the CD described. -XX/XX/XXXX 3. Called the CFPB to make a complaint on XX/XX/XXXX
On XX/XX/2017, I was notified by a company that was conducting a background check for pre-employment. The HR manager informed me that a third party responsible for doing their background checks found that my social security number and date of birth were also coming up under XXXX other individuals. They started that I needed to clear the mix up before moving forward. The names that appeared were provided to me and documentation was also sent. The names that appeared are as follows : 1. XXXX XXXX XXXX located in Louisiana 2. XXXX XXXX XXXX
Trying to re-finance mortgage and found XXXX judgments against me. Already completed the complaint with other judgment. This one just says GE Money Bank and they filed with County Clerk for {$5500.00} and when I got a hold of the law firm handling it, XXXX said that it 's really {$7000.00}. I do n't know what this is for. I was divorced in XXXX and this is dated from before that time ( they filed in XXXX but the debt is from years before ) I was also never notified that a judgment was filed.
I applied for a mortgage modification in XXXX XXXX with SLS, provided every required document, replied to every letter requesting additional supporting documents. Soon it will be XXXX months since I originally applied, I have called over XXXX times for an update and every time I call the XXXX XXXX says " application not complete '' I then opt to speak to a representative. I wait on hold every time I call at least XXXX minutes, speak to a customer service rep, they verify, that in fact, the most recent request for additional supporting documents has been received and tell me " the application is complete '' ; I wait and call again the following week to learn that another document that was previously submitted has now expired because the underwriter had not made a decision in the amount of time provided and as a consequence the document is no longer valid. The most recent delay was because the underwriter wanted to know why my mailing address was a XXXX XXXX XXXX of the property address ; this is when I realized that they do not have any intention of assisting me in this loan modification and that they are simply wasting time to then request the same documents all over again. I provided a letter of explanation and it was received. I called again last week and there was a question regarding my tax return, I answered the question and the representative on a recorded line again stated that the underwriter was satisfied. Today, however, I called again and today 's response was " we need another letter of explanation because the original letter is more than 90 days old ''. This sequence of events has reoccurred over and over again leading me to believe that they maliciously make it so time consuming and tedious that most people simply give up and default on they 're loan. Please note that I have never been late or defaulted on my loan in the past.
On XXXX XXXX, 2016, I applied to Bank of America ( " BoA '' ) for preapproval for a new car which I planned to buy the next day. I found that Bank of America had exceptionally good rates, 1.99 % for 60 months and 2.49 % for 72 months. I was preapproved for more than enough to cover the amount I planned to borrow. When I got to the dealership ( XXXX XXXX in XXXX XXXX, Ohio ), I told them I was preapproved and that all they had to do was to communicate with Bank of America. I did not have my preapproval letter with me because I was told by BoA that I did not need it, that the way the process worked was that I needed to have the dealership communicate with BoA. I was assured that the preapproval that I had obtained would expedite the documentation process at the dealership. When I communicated this information to the dealership, they seemed wholly unaware of the program or offer through which I had applied, and said that they would look into it. After a long while -- the dealership was 2.5 hours from my home and so I was in a hurry -- the finance manager came back and said that his BoA contact could not locate my offer but that they could offer me a rate that was only slightly higher. I was extremely frustrated at that point, and asked him to have his contact look harder. They failed. The price on the car was a good one, and I needed it that day, so I did the deal and figured I would take it up with BoA later. 

I did so, by calling several days later the customer service number on one of the documents I had been given as part of the loan. I was told by the woman with whom I spoke that because I had ( unbeknownst to me ) dealt with two different BoA channels -- the internet channel where I 'd found the very low rate, and the dealer channel -- I was out of luck. Her implication is that I should have known that I was dealing with two different channels -- that I was the fool for not understanding that Bank of America was not really Bank of America, and that one division or department would not honor a deal the other had made. She also told me that my only hope for relief was to return to the dealership ( XXXX miles away ) and ( somehow ) persuade them to tear up the deal that they had done with me and start anew with the " internet channel '' deal -- an absurd waste of time, and downright offensive that BoA expected me to travel, cajole, and hope as a means to remedy their deception of me, the consumer. This is the textbook example of a bait and switch. I have been a XXXX for twenty-one years, and am familiar enough with finance law to know that I have a right to have this situation fixed by BoA, without involving the dealership. 

My online loan application number was XXXX. I tried to retrieve it online but all I got was a message that I was no longer able to access it because it had expired. 

Also, I do n't seem to have received a copy of the promissory note or the required loan disclosures. I recall signing at least the note, but it appears I was not provided copies then or later.
When my husband and I leased a car recently, the dealer said I did not have a credit score. I got my credit report from Trans Union showing the hard inquiry by XXXX XXXX. I also went to the XXXX XXXX free credit score site and got my score from them through XXXX. I called Trans Union but could not make the representative understand my dilemma. He kept telling me the problem was with XXXX XXXX 's calculations, even though the problem was n't their calculation but the fact that I had no score at all. I have written Trans Union three times but have received only form letters that do not address the issue. There was a slight discrepancy with my address which I have tried to correct, but again all I get in response are form letters. My husband and I have been married for 45 years and have essentially the same credit report. His score and the one I received through XXXX XXXX are well above XXXX. He had a near fatal illness last fall and if he had passed, I would be financially paralyzed. Can you help me find out why I do not exist in the eyes of Trans Union.
I bought a camara and fill out an application for a credit card, they say sent to my mailbox but I did not receive the credit card, some else it to buy several things