WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX XXXX. I was audited by the Mississippi Department of Revenue for the tax years of XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX and found to owe a little over $ 5K. I was notified of this debt in XX/XX/XXXX. I was in the middle of Chapter XXXX bankruptcy, which was discharged in XX/XX/XXXX. I also had no job. Unknown to me, my debt was turned over to the XXXX XXXX XXXX in XX/XX/XXXX but I was not informed until XX/XX/XXXX. I paid {$100.00} toward that debt via my XXXX debit card on the phone with the XXXX XXXX and received a confirmation email. It is also reflected on my bank statement. 

In XX/XX/XXXX, I received an email that in the opening statement says, " This will confirm that on XX/XX/XXXX, you gave our office checking information over the phone from the XXXX XXXX  XXXX XXXX XXXX per the SCAM outlined below. '' It is completely untrue and without merit. I ignored the email. On Friday, XX/XX/XXXX, I received a phone call from XXXX, Mississippi, from someone in the XXXX XXXX, verbally assaulting me regarding the " fact '' that I in XX/XX/XXXX I gave false banking information over the phone from the XXXX XXXX XXXX XXXX XXXX ; that I was part of a SCAM! I hung up, but not before I told the representative on the other end of the phone that I would report the phone call and the email to the Mississippi Governor 's office ( which I have ) and the Mississippi Better Business Bureau. I followed through with phone calls to both offices. 

These are the facts : 1. Until XX/XX/XXXX, I was unable to pay anything toward my debt except {$100.00}. 
2. In XX/XX/XXXX, I got a job with a sign-on bonus and offered to pay the original debt of $ XXXX to the Mississippi Department of Revenue and the XXXX XXXX. I was told that I would still owe a fee of over {$8500.00}, including the original debt including penalties, interest, and fees associated with the debt having gone into collection. I would still owe almost $ 4K, which I did not have. I was also told they would not negotiate any part of the debt until it had been in collections for at least one year. 
3. I am unemployed at present. 
4. I no longer live in Mississippi. 
5. I do not have the funds to pay the entire debt of almost $ 10K. 

I DO NOT APPRECIATE being accused of providing false banking information. I hold two current professional licenses as a physical therapist with fingerprints and have held six XXXX licenses in different states. My ability to maintain my license equates to my having nothing more significant than a traffic ticket or it would be reported to any and all state licensing boards. 

It is ABSURD that the State of Mississippi allows itself to be represented by the incompetent law office of The XXXX XXXX. 

I have documentation to support all of the above. 

Thank you, XXXX XXXX, XXXX
I received letters from Citi that XXXX of my credit lines were getting decreased because of my credit score. My credit report showed XXXX derogatory tradelines and they were removed with apologies. I contacted Citi and asked them to increase my limits again and they have refused to do so since the balances on their credit lines is high due to the decrease. I have asked if I could send them the documentation but they are not interested in helping me at all.
In XXXX 2015 I opened a secured credit card account with Capital One Bank via an initial opening security deposit of {$300.00}. It took approximately 14 days for the processing of that initial deposit to occur. Since that time I have made XXXX consecutive payments, all made from the same account as the initial funding deposit. On XXXX/XXXX/15 I attempted to make a new deposit to the account, but due to a banking error on the payment end by XXXX, the funding account bank, it was rejected. After identifying the issue with XXXX, I had the error corrected and resubmitted another deposit of the same {$100.00} to Capital One for credit to my credit line. After receiving, and processing ( ie " cashing '' ) the deposit, Capital One placed a " fraud alert '' on my credit account, and froze all funds in the account. They cited as explanation the returned item from XXXX as " suspected fraud '' and have since been holding all funds while they draw interest on the money and I am left without access to any of it. The problem is that 1 ) no fraud existed as I clearly own the XXXX account 2 ) the same XXXX account has been repeatedly used to fund and make all payments on this account 3 ) my banking relationship with XXXX Bank is of absolutely no business of Capital One and the demands that they are making to information regarding that account are far outside of the scope legally required or necessary. I believe they are using this situation as a pretext to obtain information they can then use to track my financial standing at XXXX Bank without legal authority, pre-existing approval, or direct knowledge of their activity on my part.
Refinancing with Capital One Bank : In what was I thought was the final process Capital One requested I submit credit card information to obtain a {$200.00} non-refundable fee for what they call a XXXX Me Waiver. This waiver is suppose to be relevant to the XX/XX/XXXX-XX/XX/XXXX financials of the XXXX where I reside. This request from my understanding was from their Co-Op review board. I do understand that Co-Op property is handled differently than other properties, BUT, to have me submit a non -refundable fee and then being told that was no guarantee the loan would be approved after paying other fees such as {$170.00} for the management to complete a questionnaire, {$270.00} for lawyers to sign a Recognition and {$20.00} for the XXXX Amendment was very disturbing. Credit cost. I understand that. Contacted XXXX and they had no idea what I was speaking of ; XXXX of their representatives did extensive research and we spoke close to an hour ... end result, they never heard of such a waiver and felt that someone was trying to take advantage.
Please Help Me!!!! 

Identity Theft Victim 1. XXXX XXXX XXXX / XXXX = {$200.00} 2. XXXX XXXX / XXXX-XXXX = {$170.00} 3. XXXX XXXX / XXXX XXXX XXXX  XXXX {$64.00} 4. XXXX XXXX XXXX ( Assigned ) Credit Class ( Assigned ) XXXX XXXX XXXX = {$1200.00} Account # XXXX, Address : XXXX XXXX XXXX XXXX XXXX PA XXXX Phone : XXXX 5. XXXX : My Social Security Number # is completely wrong in there system I 've been fighting for 6 months too get it corrected ... 

Non Authorization Inquires : A ) XXXX XXXX B ) XXXX XXXX C ) XXXX D ) XXXX E ) XXXX XXXX XXXX F ) XXXX XXXX G ) XXXX XXXX H ) XXXX XXXX I ) XXXX XXXX : XXXX J ) XXXX K ) XXXX L ) XXXX XXXX : XXXX M ) XXXX XXXX : XXXX N ) XXXX O ) XXXX/XXXX P ) XXXX XXXX XXXX : XXXX Q ) XXXX XXXX XXXX : XXXX R ) XXXX XXXX S ) XXXX XXXX XXXX : XXXX
Today, XXXX XXXX, 2017, I logged onto my checking account from my home computer and viewed my transactions. I wanted to print out the front and back of a particular check for my records. This did not work. I went to their FAQs and there was no answer there for my problem. After 10 minutes on the phone with their automated telephone system for handling online checking issues which had no telephone menu item related to my question and which put me on extensive hold, I called the branch office I use. 
They told me that I have to come in physically to a branch and have the check printed out there. This is outrageous. I am XXXX and not able to drive today. It used to be the law that banks had to send the customer the canceled check with his/her statement each month. Then the procedure ( law? ) changed and banks did not send the canceled checks but told the customer to go online to their statement and print out the canceled checks from there. Now Wells Fargo is refusing to do let me print out the canceled checks for my record and they are not sending me the canceled checks either. This is interfering with and delaying the customer 's ability to have accurate records. I would not be able to go to court to prove what happened with a particular check or show a merchant.
I am in the process of foreclosure with Citimortgage. I filed a complaint with CFPB on XXXX/XXXX/15 because my lock was glued shut. Citimortgage replied, but did not fully address my concerns. They denied gluing my lock shut and wrote : " You acknowledged and advised that no further assistance was required. '' Their statement is simply NOT TRUE. I NEVER said that no further assistance was required. My house is scheduled to be sold at auction on XXXX XXXX and my lock is still glued shut. My fence is still screwed shut. I have NO ACCESS to my house. The notice posted on the door told me to call XXXX, which is Citibank 's number. If Citibank did n't do it, then who did it? Are they asking me to believe that someone else came to my house, glued my lock shut and left a note to call Citibank in case of questions? There are still XXXX pieces of furniture inside the house, as well as my appliances. I want Citibank to either install a new lock and allow me access to my house or reimburse me {$1000.00} for the appliances that I am not able to get out of the house. If they do not install a new lock, I want Citibank to agree in writing that the house no longer needs to be in " broom swept condition '' for the {$5000.00} cash for keys offer to apply, since I can not go inside to sweep it and remove the last XXXX pieces of furniture as I had planned to do.
I RECEIVED A PREAPPROVAL APPLICATION LETTER FROM BP OIL. WHEN I SUBMITTED MY ACCEPTANCE CERTIFICATE, I WAS DENIED AND A HARD CREDDIT INQUIRY WAS REPORT TO THE CREDIT BUREAU. I CONTACTED COMPANY REGARDING MISLEADING ADVERTISEMENT BECAUSE THE LETTER STATED PREAPPROVED. ALTHOUGH A CREDIT LIMIT WAS NOT DISCLOSED PRIOR TO OPTING TO ACCEPT PREAPPROVED CREDIT CARD OFFER, I WOULD HAVE NEVER INITIATED A CREDIT CARD APPLICATION, IF IT WAS NOT FOR THE STATED PREAPPROVAL ( NOT PREQUALIFIED ). THE CUSTOMER SERVICE AGENT SAID SHE HAD LIMITED INFORMATION TO RESOLVE MATTER AND DOCUMENTED MY CONCERN
I have already tried to fix the problem using this web sight. a line of credit labeled XXXX XXXX XXXX is reporting a payment back in XXXX of this year for 120 days late. the account was payed off through a consolidation back in XXXX throught he resolution from the last complaint the company agreed to delete the line of credit. till this day the error on the line of credit still exist. Please ... I need this resolved as soon as possible ... I was suppose to close on the XXXX of XXXX and this blurp in my credit is holding me back from getting the best rate possible. i appreiated anything that can be done to resolve this issue as fast as possible
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone pa ss the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FORA - they are required to  " ... promptly delete all information which can not be varified. '' That I have disputed. Please resolve this matter as soon as possible. Thank you.
This collector is harassing me at work and stating that I owe {$16000.00}. The loan was for {$3000.00} and I have paid {$2200.00}. I am a single working mom with XXXX children and XXXX these people are making it difficult to function for my children. Please help me.
I had a credit card with XXXXXX/XX/XXXX that charged off XX/XX/XXXX for an amount of {$2000.00}. I had some health issues which caused me to fall behind. I wanted to make a " settlement offer '' and try to get my credit card balance cleared up. Recently I contacted XXXX trying to find out if they would settle for half of the charge off balance, and they told that I would have to speak to an attorney it had been assigned to in order to settle for that amount. I called Lloyd and McDaniel and they gave me an amount of {$2900.00} which means I was charged an 69 % in interest and fees after they charged off the debt. I had moved to a different temporary location, and did not receive any additional statements after the account charged off. I requested the statements on XX/XX/XXXX and they had them sent to me, and it does show on the statements that they continued to charge interest on the balance that was charged off. I was advising XXXX XXXX that I was trying to pay the " debt the I owe '', but he said that they had set a court date for XX/XX/XXXX. First off, I am wondering how there is a court day and I have not received any info or been served for that matter, secondly if I contacted them trying to pay why are they trying to sue me, and third he said he sent something to me, but XXXX advised he had to update my address because he had the wrong address for me. So, if you sent me something and to the wrong address there would not be a way that I would contact if I have no knowledge of it. I think that the entire situation is deceptive and unfair on both parties XXXXXX/XX/XXXX and Llyod McDaniel. I am more than willing to try and resolve this issue, but when I found out there were some questionable legal actions being taken and they did not contact me properly I wanted to report this and make sure that I am given a fair chance to settle this properly.
Diversified Consultants is contacting me about a debt that I do not owe from XXXX in the amt of approximately {$640.00}. I moved from XXXX apt XXXX residence to another in XXXX. My current complex does not use XXXX for service. I returned all of the equipment and gave XXXX my new address to send me a final bill. As of today, XXXX as not sent me a final bill and Diversified Consultants is contacting me regarding this matter. The wo n't listen to what I am saying.
bogus charges added to payoff. 

my loan is current so i 'm not sure why i 'm being charged {$950.00} for civil litigation??? 

i also recently ordered a payoff and was charged {$30.00}. At NO point during ordering said payoff was i advised of ANY fee. 

I also was charged {$13.00} for a satisfaction cost? i 'm not sure what 's been satisfied???
Since XX/XX/XXXX, I have taken part in the great government program Income Based Repayment paying $ XXXX/mo, which is wonderful and affordable for a family of XXXX with XXXX kids in daycare. Right on, XXXX XXXX! 

Suddenly, the other day ( XX/XX/XXXX ), I see a withdrawal for {$460.00}. What? I check my email and don't see anything in my email ALERTING me to the fact that I need to reapply for the IBR. Rather, I see two generic emails : 1 ) one on XX/XX/XXXX ( see upload ) with the subject line " Your Navient Account Information '', without any reference to my payment plan in the subject or even in the body of the email, 2 ) Another on XX/XX/XXXX ( see upload ) with the subject " New document ready to view! ", again without any information about the purpose of the correspondence. Of course, I immediately went to the site and it's all perfectly clear that I need to renew my payment plan. Go figure! 

I've been in email marketing long to know that consumers are overwhelmed with email and this was a deliberate effort on the part of XXXX XXXX, I mean Navient, to conceal information from customers to increase their bottom line. They know full well that a great number of their customers will NEVER reapply by the deadline because they NEVER knew they needed to do so in the first place. 

On the other hand, when it comes to Navient 's bottom line, they're crying it from the mountaintops. Looking down the list of other emails from Navient, they clearly know how to be clear and concise with their correspondence like the good little email marketers they are and can be when in it's in their interest. An email on XX/XX/XXXX specifically says there will be a " Change in Loan Terms '' ( see upload ). Why not a nice friendly email ( similar to how ethical companies do it ) saying, " It's time to renew your REPAYE plan! ", right there in the email and body of the email, not buried deep within the site, leaving the exclamation and enthusiasm to wear off when you finally get to the website two months later ( see uploads ). 

In summary, if I had the extra money, it probably wouldn't be an issue. But with a XXXX & XXXX year-old I just don't have that luxury and an extra {$350.00} hits hard! I wonder if it's just a coincidence, but this came during XXXX and would no doubt provide a nice XXXX bonus for investors. 

My two cents would be to drop Navient / XXXX XXXX as a government contractor.  Private interests are obviously polluting what might otherwise be a great public resource for Americans. If you could put that in the suggestion box I would be grateful. Thank you! 

Last thing is I attempted to contact Navient about it and they gave me a lame excuse about needing to " protect the security of my account ''. From who? If you know anyone who wants to repay my loans, I would love to hear about it. Only XXXX left! What I do know is this is a scam! Not the first time for Navient / XXXX XXXX but hopefully the last! Thank you for listening! 

All the best, XXXX XXXX
I am not able to remove a credit freeze I may have put on my account when I was disputing some items. Now I ca n't get credit because most places say that they can not pull my credit due to a credit freeze. I was trying to get my free credit report on line but because there is a XXXX, I was not able to get any of the reports online. I try to contact all 3 bureaus but non offer an online or telephone call to remove the XXXX, please help, they are killing me with denials due to unable to see my credit.
I received an offer in the mail to settle my Capital One Account. I contacted the collection company and spoke with a Supervisor with the collection company and Capital One who advised that if I paid the account off the same day for the agreed upon amount that both the collection company and Capital One would totally remove the debt from my account as a good faith removal. I paid the agreed upon amount and received a receipt. However, Capital One has not held up their end of the bargain. It was not beneficial to pay the debt for the charge to remain on my credit as this is still destroying my credit. I reached out to Capital One and even sent a letter to them regarding this reporting still showing on my credit ; to date they have not been responsive. Any assistance you can provide to ensure Capital One is being held accountable for what they told me would be greatly appreciated.
On Monday, XX/XX/XXXX at approximately XXXX XXXX I was in the drive thru of a Bank of America branch located in XXXX XXXX, VA at XXXX XXXX XXXX. I went to make a cash deposit of {$400.00} into my account, using a pre-printed BoA checking deposit slip. I was asked for my ID.I asked the person to provide me with copy of the bank policy that requires customers to give their ID when making a cash deposit. The person could n't find a copy. I asked for a manager, she said she was a manager. I then said that she should be able to find a copy of the written policy. While waiting a male employee came to the window and tried to explain to me that it was a policy and that everyone is asked for their ID when making a cash deposit to prevent fraud. I again asked for a copy of the policy if it applied to everyone. He said he did not have a written copy he could give me and that the policies could change. I asked for his business card, he said he was new but that he could write his name down on an existing business card. 
I called the customer service number on the card - XXXX and spoke with XXXX ( she did n't have an employee ID # ) and made my complaint. She kept explaining that tellers had the discretion to ask for ID. I told her that I was told that there was a written policy and I asked for the written policy. She said that she had to forward my complaint to the " back room ''. I told her that I felt targeted or profiled and discriminated against. She again explained that tellers had the discretion to ask for ID whereupon I told her to stop because she was talk about something subjective ( tellers discretion ) and I was told that her asking for my ID was based on something subjective ( a written policy ) and that everyone was asked for an ID. 
She asked if I had the location of the branch and I gave her the info that was on the card I received which appeared to include a branch number XXXX. She said that someone would contact that branch to see what was going on and perhaps it was a branch thing. 
I want to see the basis for being asked for an ID because I was making a cash deposit.
Experian charged me twice to freeze my credit, but did not freeze my credit reports. 

I needed to freeze my credit because there was a fraudulent transaction by a third party trying to purchase Experian services in my name. 

I followed the instructions on the Experian website for creating a credit freeze, however Experian said it could not apply the freeze. However, they charged me the {$7.00} fee. 

I thought the problem was that I was using a new credit card, so I tried again using an older card that would be present in Experian records. Again, they refused to apply the credit freeze, but charged me the {$7.00} fee!
I have disputed the Judgment on my Experian report XXXX times, twice sending them a copy of the judgment showing where it was cancelled in XXXX 2015 and should be removed from my report as XXXX and XXXX have already. They still show it as satisfied and it should be removed being it was cancelled/voided.
I had a credit card on file with XXXX, and was charged in error for a service I did not receive. The hotel was informed and I disputed the charge of {$100.00} with Capital One, who confirmed the dispute, removed the charge, and resolved my issue from XX/XX/2016. I have found that Capital One has recently reinstated the charge, refused to allow me to dispute the charge, and is harming me financially by charging interest on a balance which was disputed/already removed. I have contacted XXXX representatives in order to notify them of their error. They advised they could not assist, could not read the letter they sent, and advised they were able to confirm the financial harm, the additional charge being applied, but did not see a reason to help. They referred me to a letter which is still in transit, advised I have n't responded to it, even though I am literally talking to them during this conversation, and they still would n't tell me what is required to get them to complete the request again ... I do n't understand why this is legal and would like a federal review to ensure the employees involved are investigated and my case resolved to ensure I am credited the {$100.00}, any interest applicable, and any restitution due under law. I require written confirmation from the CEO of their apology for their errors.