WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I transferred {$22000.00} to an account at TD Bank from my account ( XXXX ). I had spoken with my bank to ensure the account was valid and I believed I was purchasing a motorhome. It was a 24 hour transfer so the money would have been received on XX/XX/XXXX. Later that night, early morning around XXXX XXXX I woke up and intuition told me I was being scammed. I called my bank first thing in the morning ( before banks were even open ) and spoke with my bank asking them to cancel. It had already been transferred but they said they would contact TD Bank. 

Throughout the day I spoke with my bank and once with TD Bank and they assured me that they had people who worked these specific scams. By this time I had already reported it to the local Sheriff 's office and filed a report with Detective XXXX in XXXX County, Texas. He did a little research and believed it was a scam. I also attempted to call the XXXX XXXX XXXX XXXX XXXX on Wednesday and was put on hold for 30 minutes and then the call was dropped. This was another indication to me that it was a scam. 

On Friday, XX/XX/XXXX is when the motorhome was to be delivered. It never was and so I knew for sure it was a scam. I filed a report with the FBI and never heard back. I also filed a report with XXXX, which is where the item was for sale and I filed a report with the Attorney General of Texas, in an attempt to recoup the monies through the Crime Victim 's Fund and was denied, stating this was a property crime so it did not qualify. 

FYI : In the last portion of this report, you request for my account #. I do n't have an account with TD Bank, the person committing the fraud does so that is the account # I provided.
My name is XXXX XXXX XXXX. I filed Ch.XXXX bankruptcy in XX/XX/XXXX. After careful thought weighing out the pros and cons with filing bankruptcy, I decided not to continue with it so, my bankruptcy was dismissed. I called in with my creditors to make sure they received the dismissal ans the verified they did. When I went to use my Chase credit card it was declined. I was confused because I NEVER was behind in payments with them and have always paid over the minimum charge. I called XX/XX/XXXX and spoke with a Chase representative in the executive department by the name of XXXX ID # : XXXX. 
I asked him why my account was closed and he replied that it was due to the bankruptcy I had filed. I reminded him that my bankruptcy was dismissed but he kept speaking over me stating my account was closed because of the bankruptcy and that Chase will not " risk losing money with me ''. I asked him why if I never was behind plus, during the bankruptcy I kept sending payments of {$600.00} XX/XX/XXXX -XX/XX/XXXX and they kept collecting the payments ; how am I a " risk '' to Chase? He stated that Chase kept collecting because I have a balance with them. Then I asked, if was such a " risk '' because of a bankruptcy, then why did they keep collecting while I was protected under the " Automatic Stay ''? He paused for a moment and then belittled me over the phone stating that it was my decision to pay them. He did not answer my question! I asked him again and I stated that legally creditors are not to collect while one is under the " Automatic Stay ''. but he kept responding the same thing in such a condescending tone. I asked him if they can just please re-affirm the account because I wanted to keep doing business with Chase and that I have been loyal by never falling behind. He kept stating that I was a " risk '' to Chase. I do not understand why he would speak to me in such a manner when I simply was asking questions due to my concern of my account being closed. I was wanting to negotiate but I felt like I was being judged over the bankruptcy instead of considered for my faithful history with Chase. He kept saying that I voluntarily paid them, and that they could not return that money to me due to the balance I had. I have no negative history with them. When I decided not go through with the bankruptcy, I called all my creditors right away. When I called Chase and spoke with Chase representatives, I asked them if I was still able to make payments and they said yes, so that is the reason why I continued sending my payments. I still dont understand why they wont reaffirm the loan like my other creditors. I am really upset because they illegally kept taking my payments even though they had closed the account, the bankruptcy was not dismissed, and I was still protected under the automatic stay. I would like my account open again if not, then I want my money back. Attached are my receipts of payments. 
Thank you for attention I hope this issue gets resolved soon.
I went to XXXX XXXX in XXXX. I received a loan from sallie mae and now it's Navient. I was in XXXX XXXX for 7 years XXXX to XXXX. I seen several informational articles that being i was in XXXX   XXXX, I should have qualified for a public service forgiveness repayment program. Sallie Mae and Navient both denied me and told me I did not qualify because i was a XXXX  XXXX. I was still considered as XXXX XXXX. I also have seen a school closure article that I as never told about either. When i asked navient about the school closure loan dismissal they did not give me direction on how to apply. My personal bank is the one that helped me with this information. Now that I am not in XXXX XXXX  anymore, I do not qualify for that program. I feel I was misled and missed out on an opportunity to help me with my loans.
I recently purchased a new home with builder financing. My mortgage was immediately sold to Roundpoint Mortgage Servicing corporation and I 've been making payments to them for the last 7 months. XX/XX/2016, I received a Real Estate tax bill from the City and promptly forwarded it to Roundpoint so that it could be paid from my escrow account. Despite several phone calls to Roundpoint 's customer service center, one of which ended with a promise from the floor superivsor to get the bill paid, Roundpoint has failed to issue a check and I 've been forced to pay the tax bill out of my own pocket. XXXX 's excuse for not paying the bill is that it is marked " supplemental '' ; in actuality, the city of XXXX XXXX has confirmed that this is the normal real estate tax that is due for the period of XX/XX/XXXX - XX/XX/2016.
Equifax did not take basic precautions when storing my personal and private information, and that information of 143 million others. Our private data had been exposed for nearly 4 months before the public was notified ( and it is criminal that the board knew within 20 days and made money of the process ), and to boot, Equifax 's site was not working correctly and was insecure when this was first information was first released. I have now had identity theft and am dealing with the aftermath of this breach ( and will for the rest of my life ), which is why I am submitting this formal complaint. This negligent behavior is vexatious and there needs to be a change with standard operating procedures with how credit cards are open and how identity is proven.
I recently applied for and was approved for a Discover it cash back rewards card. The promotional mailer I received via XXXX, as well as their website, and terms, all state the promotional introductory APR of 0 % for 14 months for new purchases, as well as a balance transfer APR of 0 % for a period of 14 months. Additionally, all their terms very clearly state that depending on creditworthiness your APR will vary between 13.74 % and 24.74 % after the promotional 14 month period expires. 

Upon receiving my card in the mail a few days later, the printed agreement I received had completely different terms, other than what was advertised. I received no promotional APR for 14 months, and a completely different balance transfer APR of 10.99 % for 6 months. 

After immediately calling customer service and speaking to a variety of managers, it was explained to me that they reserve the right to alter or change what is actually given in terms of APRs, intro rates, or promotions, based on my creditworthiness. A customer service rep was able to approve a 12 month offer of 0 % APR for new purchases, but could not alter or give me the advertised balance transfer APR. 

Absolutely no where in the fine print in my mailed offer, on their website, or in the terms of the application which I downloaded, does it state that the actual offer itself is contingent on my creditworthiness. It only states, and very clearly so, that the APR given AFTER the promotional offer expires will fluctuate based on my creditworthiness. 

The sole purpose of my applying for this card was to take advantage of the balance transfer option. Their mailed and printed advertising is grossly misleading, and Discover was unable to give me the offer as advertised.
I processed a deposit of {$890.00} on XXXX XXXX before the cut off time. It was to show on Monday, XXXX XXXX, but it did not, and it ended up giving me a negative balance. I called the bank to tell them about this and was told they would check into it with my branch, as well as ask that there be no overdrafts fees. I checked this morning, XXXX XXXX, and there were XXXX overdraft fees totaling {$74.00}, and, after calling my bank again, there was no record of my precious call. They were to call me back as to whether they would refund the charges and they never called back. My other complaint is that I use XXXX app and the app has tried, repeatedly, to get updated information about bank balance from my bank and they have not been able to. I use this app as a way to help to balance my budget and with the protection they provide, I could have received an overdraft protection of {$100.00}, but because they could not confirm the information, my account was overdrawn.
On or about XX/XX/2018 I disputed a charge of {$16000.00}. 

Chase responded on XX/XX/18 that they would work of resolve the dispute and I was not required to pay the disputed amount. 

On XX/XX/18 Chase notified me that my credit limit was reduced {$16000.00} On XX/XX/18 Chase notified me that my dispute was resolved and my account was credited the {$16000.00} Pursuant to review of CFPB rules my credit limit should not have been reduced and resulting negative impact to my credit rating would not have occurred.
I had XXXX American Express XXXX XXXX cards - XXXX for myself ( XXXX XXXX ), XXXX for my husband ( XXXX XXXX ) and XXXX for my son ( XXXX XXXX ). My husband 's card was the primary card. My son 's card was compromised, had fraudulent charges put on it, and the card was cancelled in XXXX of 2015. American Express continued to accept fraudulent charges on the card after the card was cancelled, and rolled them over to the primary card. We closed the whole account ( all the cards ) in XXXX of 2015. To this day American Express is still accepting fraudulent charges on the original compromised card and sending us bills. We have to call each time and report the fraudulent charges and go through long telephone calls with American Express. They have not ever been helpful about fixing this problem to stop accepting charges on the account that as been closed for well over a year. This is wasting a lot of time and energy on my part and is very frustrating. I have attached copies of the two latest statements which show the fraudulent charges processed on a closed account.
I am a victim of identity theft. The following accounts are all fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for {$420.00}, I been receiving harassing phone calls at my home and at my place of employment from the above creditors everyday around XXXX XXXX for over 1 year. I have received death threats and been threatened with being arrested, if I dont pay the debt thats fraudulent and dont belong to me. I informed all 5 of the companies/debtors in writing via USPS mail to stop contacting me and harassing me at home and at my job, yet they continue to contact me at home and at my place of employment. This has been going on for over 1 year. This is a major violation of The Fair Debt Collection Practices Act ( FDCPA ) under federal law, and Arizona Debt Collection state laws. The accounts are all fraudulent and unauthorized, and dont belong to me. The debt is not mine. I have been informing the debtors for over 1 year that the fraudulent and unauthorized accounts arent my accounts, yet Im steady been harassed and receiving death threats, and threats of being arrested and put in prison for fraudulent accounts and debt thats not mine. The accounts are not on my XXXX XXXX credit report, because XXXX XXXX deleted and permanently blocked the accounts from my XXXX XXXX credit report.
I want to close the account and make payments on the full balance. CashNetUSA will not allow me to close the account per their XX/XX/18 email @ XXXX. I admit I owe the balance, I just can't afford to continue to accrue the interest and fees while paying this off.
My bank account unexpectedly became overdrawn last night by {$1.00} due to the fact that a {$30.00} mobile deposit was not credited. A couple concerns are ; ( 1 ) I did n't think a bank could charge an overdraft fee for a debit transaction that caused the account to be overdrawn by less than {$5.00}? ( 2 ) It was my understanding that I had until XXXX to make a mobile deposit to be credited the same day? Seems ridiculous that a {$1.00} overdraft can generate a {$35.00} overdraft fee!
About 2 years ago I took a certificate of deposit which I found in my Mother 's possessions to Wells Fargo Bank in XXXX to one XXXX XXXX. <P/>He photo copied the certificate and send to their unclaimed properties division, wherever that is. <P/>After 3 weeks and no communication, XXXX XXXX said they could not find it and more than likely it was gone. <P/>Since then, I see on the Internet, that many people had the same problem as me with no satisfaction of where the money is.
In XX/XX/XXXX my bloomingdales card was compromised and some fraudulent activity occurred. I made a dispute and investigation was started. When I initially made this dispute, I also made a XXXX payment on my account. When I spoke to someone from the fraud department, they informed me that I would not be required to make any payments on my account until the investigation was complete. The investigation has now been completed and I was given credit back into my account. I went in to a bloomingdales department store on XXXX to make a payment and was told my account was closed. The sales associated connected on telephone with customer service who then informed that it was closed and error and she tried to reinstate it but could not because it was a sunday and the department she needed to reinstated was closed. She told me to call back on Monday.
I had a XXXX XXXX XXXX account that become delinquent and then charge off for XXXX. On XX/XX/XXXX, I paid the full balance and closed this account with XXXX XXXX XXXX. XXXX  XXXX XXXX updated the balance to paid with a XXXX balance on XXXX and XXXX. Equifax did not update the balance to reflect this change so I sent a dispute to Equifax. On XX/XX/XXXX, I received an alert from XXXX monitoring that showed the investigation was completed and the account was verified and reported a delinquent status for the balance that I have already paid. I then tried to initiate a dispute online but the system will not allow me to. I have attached a check showing that the amount was paid and debited out of my checking account on XX/XX/XXXX.
They just called my mother and left a voicemail, and I 'm not even sure how they legally obtained her phone number since it would only be listed on my phone bill.
Since Experian collects all our financial information, and since Experian is unable to protect our data, I've put a credit freeze on my account. Experian makes it IMPOSSIBLE to work with that freeze. There is NO WAY to talk to a human about unfreezing your account. When going through their phone service, even the number sent out telling people they can freeze/unfreeze their accounts, there are only two options Get credit report/report an issue. Then they hang up on you. 

You have to spend time doing a web search to find the correct web address to get to an unfreeze page. When you go through the page you end up being told to MAIL THEM THE UNFREEZE REQUEST. 

Imagine trying to get credit. 'Sorry, I have to go home and write a letter to Experian , estimate how long the letter will take to arrive, then come back here in that open window to apply for credit. ' If they worked the same way with banks they would be out of business within a few months. 

If a credit company is unable to 1 ) protect our data, and 2 ) unable to work in a modern world, they SHOULD BE SHUT DOWN. 

XXXX, I have to make THIS SAME COMPLAINT every two years. Why is Experian still allowed to operate.
Citibank closed my account without notice or reason, citing they may do so at any per the cardmember agreement. I paid a {$350.00} annual fee to use this card account. I should receive a prorated annual fee for the unused portion of this cardmember year.
I 've complained already once about Lend Smarts employee - XXXX XXXX ( alias ), legal name XXXX XXXX working with confidential information, specifically thousands of social security numbers when he previously used social security numbers to obtain credit cards in others names. He is a convicted felon and I am wondering why and how he continues to work in the mortgage industry when his background check shows this and shows that he continues to have no moral compass. I am requesting an actual follow-up to this matter rather than it just being closed with no response. I am also requesting who else I can contact with regard to this matter.
Hello, I 've been XXXX for over 8 years now, XXXX on XXXX and Ebay, and using Paypal to accept payments from my customers domestically and internationally. I have perfect feedback on both sites and many many returning thrilled customers, dedicating my life to making my customers happy. In XXXX after a customer in XXXX had apparently used a stolen credit card for an item they purchased in my XXXX XXXX and then subsequently filed a 'chargeback ' ( to which I immediately gave my okay for the funds to be returned to the rightful credit card holder, even though I believe this customer was using this stolen- or not stolen- card to defraud/steal from me ), I had my Paypal account 'Reviewed '. During this review period Ebay also closed my store because of their rule that all sellers must have a Paypal account in good standing and Paypal is the only method of payment sellers are allowed to use. After about 2-3 weeks of worry, phone calls and much travail I received an email from Paypal stating that they had decided to reinstate my account but that they would now withhold 25 % of all of my incoming funds for a period of 4 months ( a 'rolling reserve ' ) starting immediately ( no warning whatsoever ). They said this is due to a number of reasons, XXXX of which being that my credit score was below XXXX etc., etc. and that I had a high percentage of chargebacks ( I believe I have had less than XXXX in the last 12 months- XXXX of which were no fault of mine whatsoever ), blah blah blah. They are now holding about {$3000.00} of my money as of the date of this writing, and Paypal in the email ( see attachment ) also stated that I am not even allowed to ask them to re-review my account until after XXXX XXXX 2015. I would like Paypal to release my funds immediately, for XXXX thing because they are a Money Transmitter, NOT a bank, and as such should not be legally allowed to withhold money for the length of 4 months, regardless of whether or not it says this is okay somewhere in their giant and ever changing user agreement that they make all users sign, also because this has caused me to now have trouble filling my orders and paying my bills and will ultimately ( and possibly very soon unless I 'm able to get a loan ) make it impossible to stay afloat. Please help. There are also many others out there like myself, I am by far not the only XXXX. Paypal should be stopped from being able to abuse their power anytime they feel like it- at best it 's extremely unfair and at worst, it 's illegal. 
Thank you so much for any help. 
NOTE : I had to choose only XXXX option below, but really it should be both domestic AND international money transfers, as my funds being held are from both types of transfers.
A couple of months ago I had fraudulent activity in my bank account which in result forced me to change banking acct. numbers. This was of course a headache by having to change recurring credit card payments with my new account. A day before this happen a payment already had processed to be paid which was a recurring payment for Walmart/ Synchrony bank. I quickly tried to contact customer service to informed them of what happen. The customer service rep. advised me to send in a copy of the bank report concerning the theft in my account, which I did and that they would honor that. I quickly went into change the recurring payment and cancel out the old bank account number, and made a payment right after to clear up the payment that was returned. Obviously the next payment was due, the system was still set on recurring payment of the old banking acct. number, ( which I changed ) which cause the payment to be returned again. Walmart/Synchrony bank closed my account. I begged and pleaded with them by chat and writing letters to the president to please not close my account. I explained that I have been faithful of my payments due ever month until this tragedy happen. This was not my fault, I see if I was a person that did this on purpose, but that was not the case. I understand that a lot of consumers have complained about the same situation that I am going through. I have other credit cards with Synchrony bank and they did not give me this problem like the Walmart account. What is the problem? I sent in evidence, I tried to correct the payments and they still closed my account. Something needs to be done!!!!! I understand they have rules, but my situation did not apply to the rules and had evidence which should have been waived.This is not right!! And I am not going to give up fighting!
On XXXX/XXXX/2016 I sent a certified letter to TransUnion through the XXXX Office. By way of returned receipt of signature, they received this letter on XXXX/XXXX/2016. This letter was regarding the removal of credit inquiries that were not authorized by me in any way. As I understand it : The FCRA states that the only permissible purpose for pulling someone 's credit report is : a. ) firm offer of credit, b. ) insurance, c. ) employment or, d. ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX 2. XXXX 3. XXXX ( 2 times ) 4. XXXX XXXX 5. XXXX ( 2 times ) 6. XXXX XXXX XXXX. XXXX I pulled my credit report this morning and TransUnion is still reporting the above inquiries. As this is day XXXX since they received my request and all they provided me was a copy of my credit report indicating the above referenced inquiries have been verified. Yet, they failed to provide me with verifiable information substantiating that these inquiries were indeed accurate and did not do so within 30 days. 

Due to all of the above, I need your assistance in contacting TransUnion for the removal of the inquiries detailed.
I have applied for a mortgage and there are so many errors on my credit report that need to be addressed. I have not looked at my credit for years so there should n't be anything on it honestly.   I never had an account with  XXXX   XXXX  and s o I d ont owe  XXXX   XXXX   XXXX  anything.   I never had an account go past due with   XXXX    XXXX  this is an error or someone did this in my name.   Again I never have activated a  XXXX  account this account is incorrect or opened without my authorization. I dont owe them or  XXXX  anything and they 're on here twice. Please remove these incorrect items off of my report.   I have no idea what this medical collection is and I dont have any outstanding medical bills.    XXXX   XXXX   XXXX   XXXX  is another account i never authorized anyone to open in my name.