WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/16 I called TD Bank to inquire about a {$100.00} ATM withdrawal shown on my Convenience Banking Statement for a withdrawal date of XXXX/XXXX/2016. I spoke with a man identified as XXXX, with a first name of XXXX. I made it abundantly clear that the information I want is the EXACT location of the ATM machine from where the money was withdrawn. I stated this several times to XXXX that was the purpose of the call - so I could trace back my activities for that day and time to a specific location and discern if, indeed, I visited the location from where the ATM was used, as I could not recall withdrawing any money from an ATM on that date. 
You can see from the attached email chain that the bank did everything but answer my question - that is, to know the exact location of the ATM machine. On subsequent calls they only read back to me the same information already provided in the statement, to wit : XXXX XXXX - XXXX XXXX. 
That is NOT an exact location. XXXX runs for XXXX miles. So it is clear they are unable or indifferent or holding back information on the exact location. I believe they are obligated to pass on that information. Yet, if you read the email chains uploaded in a txt file, you will see that they are just spewing out the same information over and over again without telling me where the ATM machine was located. 
Again, I am asking for them to identify the address ( with street number ) of the ATM. 
Thank you!
I contacted Ditech on XXXX regarding my account statement from XX/XX/XXXX, it shows Fire Insurance Coverage. Unfortunately, I tried to email customer service but the representative gave me an invalid email address..I never requested/authorized for fire insurance service. I have a personal loan for this account. In the past, Ditech reported this account as a mortgage loan. I did dispute with credit bureaus. I would an investigation for this issue. 
1 ) Was I charged for this service? If so, how much was the monthly fee? 
2 ) If so, when did service begin and end? Did it begin in XXXX after XXXX transfer? 

3 ) How could this error occur?
On XXXX XXXX, 2015, I discovered a series of fraudulent charges on XXXX credit cards ( all were department store cards ) totaling close to {$5500.00}. As soon as I learned of the fraudulent charges I contacted all XXXX department store card issuers which includes Macy 's. XXXX of the XXXX credit card issuers immediately provided provisional credit and resolved the issue within 10 days. It has now been over 100 days and Macy 's still has not credited my account or provided any updates on the resolution of this matter. As stated earlier, I contacted Macy 's on XXXX XXXX to inform them of this error. At the time, they stated I would receive a statement of fraud in them with 5-7 days. After 10 days, I had to contact them again to check on the status of the statement of fraud as I had not received. It took another 7 days to receive and I returned via mail ( as requested ). On XXXX XXXX, I contacted the Macy 's Fraud Department to check on the status on my claim. At this time, I was told that they did not receive the statement of fraud ( or could not locate ) and I was asked to fax the statement of fraud. As requested, I faxed the statement of fraud directly to them and was told that it would take 30-90 days to resolve. Keep in mind, that I originally mailed the statement of fraud in XXXX. I asked for confirmation of receipt of the statement but no one contacted me as I requested. On XXXX XXXX, I called again and to request a status and was told that it was it their system but there was no current status to provide. I was only told that it would be taken care of and not to worry. I was also told not to pay anything over the original amount that did belong to me which was a very small amount as my fraud claim would be rejected if I paid any of the fraudulent charges. I have continued to make minimum payments, as instructed, but I am now at the point where the minimum payment is more than what I owe. I called back again on XXXX XXXX, still no update. I am only told to continue to make minimum payments or I will be assessed a late charge - contradicting the previous communication that I received to not make payments towards the fraudulent charges. I am extremely frustrated by the lack of urgency or action on the part of the Macy 's Fraud Department.
Issue : I can not get security freeze lifted on my credit report from Equifax. I placed the freeze on my report as a result of the massive security breach Equifax had that compromised the personal information of millions of people. 

On XX/XX/XXXX started a refinance application with my mortgage lender. I had no problem lifting the security freezes from XXXX or XXXX XXXX. As of this writing onXX/XX/XXXX the freeze has yet to be lifted by Equifax. 

At first I was given their facsimile number so I could send copies of my SS card and driver 's license that would allow them to verify my identity. After several attempts by me on XX/XX/XXXX without any success because their fax line was constantly busy, I eventually express mailed the documents via USPS. I called them on the evening of Saturday XX/XX/XXXX, was told the security freeze would be lifted that evening, and I was given a confirmation number by the Equifax representative. On Monday XX/XX/XXXX I received an email from Equifax with the case number I'd been assigned stating that my case had been closed. 

On Monday XX/XX/XXXX I advised my lender about the information I was given by Equifax on the XXXX and they attempted to get the credit report without any success. The supervisor at my lender made several phone callls as did I, and when I called again on XX/XX/XXXX I was told by an Equifax supervisor that they were not in receipt of the documents I sent, nor were they aware of any email from Equifax that my case had been closed out, and I would have to wait up to five business days to have the freeze lifted. 

All I can say is I've never dealt with a more obtuse and ineffective group of people. All you get is the run around, empty apologies and zero results. It seems they're trying to act professionally by giving one the impression that they're guarding your information when quite frankly it's too late given the security breach. 

The bottom line is there is ZERO accountability within this organization nor do they have any sense of urgency about doing their job correctly and it's having a very negative effect on consumers like myself who are attempting to get the information they need to complete their applications for refiancing or any other credit application. 

I'm not sure what type of government oversight they are receiving but they are in dire need of it because in my opinion they are doing a double disservice to the public by 1 - the initial security breach and 2 - their inability/unwillingness to lift security freezes for consumers seeking them.
XXXX XXXX XXXXXXXX is using deceptive algorithms to increase revenues on overdraft fees. 

I have studied their accounting algorithms for months and taken notes and have copies of receipts, statements, etc. as evidence. 

In general overdraft is straight forward, if you use more than your account balance they tack on a fee for covering the transaction. 

They have a bad policy of posting items by amount for largest to smallest ( this is not my complaint but should not be legal, this only guarantees that they get the maximum amount of fees they can collect and if this is something that we can discuss to fix this practice for all consumers it would be great. ) However, my complaint is on a more deceptive practice where they will manipulate the POST date which appears to be controlled by software triggers based on transaction to cause overdraft to happen then they use the practice above to get the most amount of fees they can. 

Here is an example which happened recently that I have documented well. 

At the end of day XX/XX/XXXX my available balance was {$430.00} In this order I made transactions against my available balance XX/XX/XXXX - Starting Balance - XXXX   XX/XX/XXXX - XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX - XXXX XX/XX/XXXX - ATM Deposit ( XXXX ) - XXXX - XXXX XX/XX/XXXX - ATM Withdrawal - XXXX - XXXX   XX/XX/XXXX - XXXX XXXX - XXXX - XXXX XX/XX/XXXX - XXXX  - XXXX - XXXX   XX/XX/XXXX - XXXX XXXX XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX - XXXX All of which have a posting date of XX/XX/XXXX ( which is what they choose to do ) I have receipts with time stamps for all the above transactions including a receipt from your ATM on XX/XX/XXXX at XXXX At the end of day on XX/XX/XXXX my available balance was {$250.00} Monday morning my account was negative 46.04 because of the {$290.00} XXXX charge. This charge has a posting date of XX/XX/XXXX and is where their triggers happen. Normally all transactions post the day after their transaction date, however TD bank when their system senses it can create an overdraft situation manipulates dates and posts the same as the transaction date.
Called multiple times advising this is not my acct. we are getting ready to close on a house and this is holding us up.
Called XXXX XXXX XXXX on or about XXXX, and advised were my auto loan with them. XXXX XXXX XXXX associate advised me that my auto loan was transferred from XXXX XXXX. Advised associate that loan was fraudulent from XXXX XXXX because they were not licensed in Pennsylvania to issue loans. The associate advised me she did not know anything about it, and advised me to continue making my monthly payments. On or about XXXX, my car was in an accident and XXXX XXXX XXXX company declared my XXXX XXXX a total loss and paid XXXX XXXX XXXX {$16000.00}. Called XXXX XXXX XXXX on or about XXXX and checked status of auto loan being paid in full from payment of {$16000.00} from XXXX XXXX. XXXX XXXX XXXX associate advised me that loan was paid in full. Check my credit report on XXXX, and seen charged-off amount XXXX, and it damaged my credit rating.
I applied for a loan with HSBC Bank. The bank began processing the loan on XXXX XXXX, XXXX. In XXXX, an appraisal was conducted and because I was requesting a coop refinance, the coop questionnaire was completed by the coop in XXXX which delineates all the circumstances of the coop. XXXX XXXX I was issued a commitment. However, XXXX XXXX, XXXX HSBC rescinded the commitment stating the loan was declined because of the coop flip taxes. My complaint with the bank is the length of time it took the mortgage to process, almost 5 ( five ) months. But more importantly, the bank had the information in XXXX XXXX regarding the coop flip taxes as well as other essential information regarding the coop. If HSBC felt the coop did not qualify for the loan. I SHOULD HAVE BEEN DECLIENED IN XXXX OF XXXX not 3 months after the COMMITMENT was issued!!!! In that time the interest rates have increased as well as I could have went to another bank that would have accepted my coop flip taxes. I feel HSBC was egregious and grossly negligent in the time it took to process the mortgage, and I am angry that a commitment was issued and HSBC will not honor it!!! HSBC did not handle my loan professionally and I feel HSBC is a large bank and they do not care about the average consumer. I hope there is some recourse federally. Thank you
when i closed by XXXX XXXX account i paid my bill and full balance as i always do. months later i was contacted by verizon for non payment. i showed them proof of payment from my bank checking account. i was told that when i close an account that because i had phone internet and tv i should have paid the balances seperatly to different addresses. i never had done this in the past. i paid my bill as i allways have done.
I am filing a complaint against XXXX regarding a series of unauthorized hard inquiries that this company run on my credit report, without my consent or permission. This suspicious activity is additionally alarming as I am not a XXXX customer, nor have I been shopping for XXXX service. Having been the victim of identity theft within the last 2 years, I am deeply concerned that these inquiries may be a sign of credit fraud. These hard inquires negatively impact my credit score and stay on my report for up to 2 years. TransUnion informed me that two unauthorized inquiries were run by XXXX within about 2 weeks of each other, the second one occurring after I had placed a fraud alert on my credit report ( which supposedly requires companies to verify a consumer 's identity before running a report - XXXX did not follow this security protocol ). The first hard inquiry occurred on XX/XX/18, the second on XX/XX/18. Because of this unauthorized activity on my credit report, I've had to place a security freeze ( cost : {$10.00} ) on my credit report so as to prevent XXXX from running further unauthorized reports. Upon calling XXXX ( and speaking with their highest level of customer service ), I was informed that they could not do anything about the unauthorized activity, nor prevent future occurrences ; they provided little help or guidance. I have spent hours speaking with reps from XXXX and have gotten nowhere. TransUnion requires a documented complaint from the BBB in order to fully investigate this unauthorized credit activity and remove the hard inquiries from my file. My TransUnion complaint ID is XXXX.
In the month ofXX/XX/2018I paid off two credit card balances, didn't close the accounts just paid the balances and the next day my credit score dropped 32pts. I emailed XXXX XXXX right away when I first saw my credit score had dropped.XXXX XXXX and I went back and forth between 8 emails and no one could tell me why my score drastically dropped. I proceeded to call all credit bureaus XXXX, XXXX and I visited Equifax still no one can tell me why my credit drastically dropped. Every factor each credit bureau ask me to consider or look at dose not apply to me. One factor was incorrect they said I have only had credit for 2yrs in fact I have had credit for 5 yrs. I have never had a derogatory complaint on my credit report, I have never missed a payment or paid a late payment on my credit report.
Demanding a Credit Bureau InvestigateTo Whom It May Concern : I recently submitted a request for investigation of the following Acct Numbers : OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX These XXXX accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for EQUIFAX or agent of EQUIFAX to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly.
I currently have  XXXX  promotional purchases active on my  Care Credit/Synchrony  Bank card. On  X/X/17    I contacted  Care Credit/Synchrony  bank and requested all future payments that I make be split equally between th e  XXXX  debts after noting my last entire payment was applied to only  XXXX  of the promotional  purchases. I was informed that it was not possible to do that which I find hard to believe. I requested that their answer be given to me via email or a written letter and was told that they could not do that either. I requested to speak to a supervisor and was told by the supervisor that I would need to submit a request in writing and they could take up to 90 days to get me a response. If I took 3 months to submit a payment, I would surely occur negative repercussions but what about Care Credit/Synchrony slow rolling a simple response so I could include it in my complaint?     I do n't think it is right that the bank can decide where my payment is applied to my debts. In this case, I will be forced to pay more money each month to make up payments not being applied to  one of  my promotional purchases so I can pay it off before the promotional expiration date. If I do n't pay it off in time, I will be forced to pay the deferred interest charge currently at {$730.00} and this amount will only increase with time. If they would split the payments, I would not be in this position!
On XX/XX/18 I informed this company of my Medicaid information. I provided my policy and member number. I have spoke with my local Medicaid office and was informed their responsibility was paid and that I am not responsible for the bill and that it is against federal law to report this account against my credit. I advised this company that I wish to dispute and open an investigation which are my rights as a consumer. I've done my part by providing all information to the company.
I saw XXXX on my credit for an apartment. I never had an account nor have I ever lived in that apartment. I disputed it with Equifax and sent a copy of my FTC FRAUD AFFIDAVIT. I am a victim of identity theft. Equifax sent me the results that did not mention XXXX. EQUIFAX is continuing to report this fraudulent account on my credit
BBVA Compass Bank always hold my transactions over the weekend and do not post my payments until Tuesday or Wednesday of the following week ... when they do that it cause my account to be negative and they charge me {$38.00} for each amount that they post to my account ... however the money was already paid out but they are holding my transactions ... they are trying to say they are paying these charges for me and they have to charge me all those fees ... this is not true because not any of the payments were returned NSF ... its a scam they do this on all my direct deposit of my payroll ... this has been happening bi-weekly since I opened this account in XX/XX/2018 2018
I had lease XXXX XXXX, lease end XX/XX/2018. ( Premium is paid automatically my bank account at XX/XX/2018 XXXX offer me New lease XXXX XXXX at XX/XX/2018. 
If I lease XXXX XXXX XXXX again, XXXX offered me that I will return my current XXXX XXXX without paying my lease payments three months in advance. 
I leased XXXX XXXX XXXX at end or XX/XX/2018. 

XX/XX/2018 I, XXXX XXXX check my credit report. 
Credit report late and none payment of XXXX XXXX before I had. ( around {$1000.00} ). 
I, XXXX XXXX have been a lot of financial problem because XXXX made wrong credit report. 
XX/XX/2018 I called XXXX XXXX finance. 
Never say excuse and if they made mistake, they do not call me. 
If I need, I must call them. 

This XXXX is so bad company for customer services. 

Pl help and collect my credit report. 

Thank you.
There is an account being reported on my XXXX credit report that is not mine..I have repeatedly tried to have it removed..but Leonard and Associates refuses to budge..I have a police report to back up the fact that I am a victim of identity fraud..Not only are they reporting a closed account that is not mine they are also placing phone calls to me even though I am on the national do not call list. I am being harassed for a debt that has no connection to me.
I am filing a complaint against CitiMortgage based on their unwillingness to provide the HARP program to me due to the mortgage is for a manufactured home. 
I recently had my monthly take home income reduced from {$10000.00} to {$2000.00} and have a 12 year loan at a XXXX high annual percent rate of 6.25. 
I called the CitiMortage customer service telephone number on XXXX/XXXX/2015 and spoke with a person named XXXX ( employee # XXXX ). XXXX said that CitiMortgage considers HARPs as new loans and CitiMortgage does not do a HARP on manufactured housing. 

Address of the mortgaged property XXXX XXXX XXXX XXXX, IN. XXXX Loan Number - XXXX If HARP is a federal program to provide assistance than I should be included being eligible.
I have sent 2 method of verification requests via certified mail to Experian credit bureau and Experian has ignored my requests and have chosen to stall by requesting additional identification information eventhough, but each time they verify this information without this additional ID requirement. 

Experian has failed TWICE to provide the method of verification after receiving my request and is in violation of FCRA 611 ( a ) ( 7 ) which states that a method of verification should be provided by Experian within 15 days after my request is received. 

My dispute is due to an inaccurate, erroneous bankruptcy in my credit file. 

XXXX XXXX XXXX XXXX XXXX ... # XXXX Report number XXXX - XXXX XXXX, XXXX I am requesting that Experian provide me with an EXACT description of the EXACT procedures used to determine the accuracy and completeness of the information disputed. 

If Experian is not able to provide me with the information I have requested I demand that Experian will do their lawful duty and remove this inaccurate, erroneous bankruptcy. 
it is my belief that Experian has not contacted the courthouse because I contacted a clerk at the courthouse who stated that Experian at no time has contacted them regarding this inaccurate, erroneous bankruptcy. 

I plead with CFPB to intervene and have Experian provide the method of verification that I have requested TWICE or remove it from my credit report immediately. 

Experian is disrupting my financial life at this point and I am determined to contact every agency, news media, my congressman etc screaming at the top of my lungs regarding Experians blatant disrespect for my disputes & method of verification requests etc if this inaccurate, erroneous bankruptcy is not removed.
Discover is reporting information on my credit file that is not only inaccurate but illegal. First of all they are reporting information different information between XXXX and XXXX. Secondly, I 've requested records for the history they are reporting and sent the request via certified mail, and they 've yet to reply. Thirdly, I 've disputed the information on 3 different occasions and they continue to verify and/or even add more illegal inaccurate information to the reporting rather than fixing the issue. I have complained to the CFPB on XXXX and XXXX for allowing the information to be reported and XXXX has stated that their job is to report whatever the furnisher tells them to report whether the information is inaccurate or not they ca n't change it unless Discover changes it. This has been ongoing now for years and has only come to my attention the last few months. This means that this information has cost me tons of money in interest on other accounts that have been opened since this reporting and is currently costing me credit denial. On XXXX XXXX, XXXX I sent a request to Discover via certified mail requesting billing statements because they were n't fixing the fixing the issue. I 've yet to hear from them to this day. They have been given ample opportunity to fix their reporting and instead have chosen to update with even more inaccurate information and plug more late payments in when they are not supposed to. You will see in the information provided as evidence the updating they 've done over the course of me disputing the information and how they 've changed and added information that is completely inaccurate. To me it looks as though they are doing this on purpose with intent to harm my scores and they 've cost me enough money and enough of my time. Discover charged the account off XX/XX/2011 and they continue to report the account as a charge off until XXXX XXXX where they then decide to plug in 180 day late payments for the next several months then report the account as a charge off again in XXXX XXXX with XXXX but with XXXX they report the account late in XX/XX/XXXX and XX/XX/XXXX the report the account as a charge off for a month, then go back to reporting the account as 180 days late then go back to reporting the account as a charge. Discover actually updated that information to XXXX when I disputed the account because originally they were only reporting the charge off in XX/XX/XXXX, then the 180 day late payments beginning XX/XX/XXXX and ending in XXXX XXXX then charged off again. BUT the most recent dispute, the updated the account to reflect 180 days late a second time after the they had already charged it off on two other occasions. All of this is Ludacris.