WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX several fraudulent ATM withdrawals were taken from my daughters checking account, which I am a joint account holder on. They were made roughly at the same time in 5 different transactions :XX/XX/XXXX {$480.00} ATM withdrawal XX/XX/XXXX {$500.00} ATM withdrawal XX/XX/XXXX {$900.00} transfer from savings to checking XX/XX/XXXX {$800.00} ATM withdrawal XX/XX/XXXX{$1000.00} ATM withdrawal She noticed her debit card was missing the next day and called Chase Bank to report it missing. After speaking with a representative she realized all her funds had been taken out of her savings and checking, and her account had been overdrawn. Chase Bank transferred her to disputes department and she disputed the transactions. Chase temporarily reimbursed the funds back into her account after affidavit was signed.

We received a letter about a week later saying that the ATM debits are valid and the account will be charged back all the transactions.

I called Chase Bank dispute department and asked why they denied claim and to reopen the claim.

The claim was denied for the following reasons : - PIN code was used with no errors - ATM was used in proximity to where she resides within the city of XXXX XXXX IN - Debit card was used after the ATM withdrawals ( which it was a bill she paid 2days prior, that just posted.

- Transfer for {$900.00} was used at ATM from savings to checking ( that was part of the fraud ) I told them the bill was paid 2 days earlier and the debit just posted, also that the {$900.00} was transferred from savings to checking at that ATM by the person/people whom stole her card.

We then called police department and made a police report.

They reopened the case, only to get another letter stating that the debits will remain on account and that the claim is denied. I called them and they said that this decision is final and the reason why it was denied the second time was because : - PIN Code was used with no errors - ATM was used in proximity to where she resides in XXXX XXXX, IN.

I thought Chase Bank, whom I XXXX for 10 years for previously, would help us. We were under the impression that we are not liable for fraudulent charges including ATM withdrawals. Also of note, all these transactions equal up to {$2700.00} not including the transferred amount of {$900.00}. I was under the impression that ATMs have a {$500.00} daily limit for withdrawals. My daughter never spends this kind of money and its abnormal for her account. Why didn't Chase stop that transaction, at least when it became over {$500.00}? Why are my daughter and I responsible for fraud? What does zero liability me and why am I not protected?

She did not have her PIN on her card. She has never let anyone use her card.

Please help me understand why Chase isn't helping us or doing the right thing for us. I've read the disclosures, I've read the limit on ATM cards. All the verbiage states is we are triple protected, zero fraud liability, and daily ATM limit is {$500.00}. Do I need to obtain a lawyer? I thought all banks had to abide by the electronic funds transfer act when it comes to fraud.
File # XXXX I filed a dispute because the new law shows it should be removed. However I called and the XXXX stated they have n't received the law that would remove this item. They informed me it would stay on my report for 10 years but the New Law is 7 years I. Which it has been 8 years in my report. Please help. I applied for a car loan and it was not approved then I was offered a high interest rate. They also stated in an email that the Court reported to them I called the Court and they stated they had not received and do n't call.
I have written letters and called each of these creditors multiple times who are reporting fraudulent inquiries and continue to report these to the credit bureaus. These request were not authorized and need to be removed but they will not assist my request. 


XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
XXXX XXXX XXXX {$430.00}, This account was paid in full by insurance, yet the Collection Agency never validated this information, nor provided proof to me that they did. 
Per the FCRA Section 809, the Collection Agency never validated this debt to see that it was legitimate, nor did they provide proof that they Contacted XXXX XXXX XXXX XXXX to see if they paid the claim, like they did I would like this account removed from my Experian Credit Report
I was a victim of identity theft. I have accounts on my credit that do not belong to me, i spoke with transunion they instructed me to get a police report and send it in to them, I did so. Transunion deleted only some of the items and then reinserted them, they are also reinserted without any payment information, open and closing information for me to use in a new police report. i called and spoke to them they told me to resend info and i did so. They are not deleting the information or even acknowledging the police report. I have submitted identity theft information 3 times with the credit bureau to no avail.
On XXXX XXXX, XXXX, I had a qualifying purchase post to my account for {$2300.00}. This was a purchase for XXXX Cruises on my XXXX credit card, which is a rewards card for XXXX XXXX lines. The rewards program allows the cardholder to redeem points for statement credits on qualifying purchases. Purchases with XXXX XXXX XXXX specifically are entitled to a greater rewards period, allowing for XXXX the point value depending on the qualifying purchase amount. This purchase amount qualifies for XXXX times the value, so a substantial statement credit of several XXXX dollars. 

XXXX has been having significant issues with this rewards program. They made changes to it XXXX which were properly disclosed ) in XXXX and the program has been broken ever since. Purchases from XXXX do not flow over to the rewards redemption portal for processing. I personlly know this to be fact for XXXX reasons : First, I have experienced this problem before ( see their case XXXX initially opened on XXXX/XXXX/XXXX - which was not resolved until XXXX days later XXXX, XXXX ; There is a discussion forum online XXXX XXXX XXXX dedicated to issues with this rewards program with XXXX and XXXX. 

XXXX states that it can take up to 7 days for eligible purchase to populate in the Rewards portal for point redemption. 

Knowing that I was going to have a battle on my hands based on my prior experience, I opened a case with their customer service team on XXXX/XXXX/XXXX indicating that my qualifying purchase was not available for rewards redemption. I received back a canned response. I inquired in to the status of the case on XXXX and received another canned response. 

Today, XXXX. I received notice in the mail that the matter had been resolved, which is false. The qualifying purchase is still not available for me to redeem points against at XXXX times their value. Because the rewards program is not transparent ( points are redeemed in tiers and this is not clearly disclosed in the program description ), I can not clearly state a firm dollar amount of what the credit should be, but with my purchase of {$2300.00} I know it will be a statement credit of several XXXX dollars. We have been cardholders for years and, until they changed the program, have a history of redeeming points for similar amounts that exceeded {$600.00} in rewards value. This is a substantial amount of money we 're owed via a statement credit. 

Because of my inability to redeem rewards points against a qualifying purchase, I am carrying a higher balance on my card than I otherwise would be. This is resulting in the account accruing interest at an APR of 11.24 %. We have been harmed by the accrued interest, unclear program disclosures, and a rewards program that does not function as disclosed. 

Once again today ( XXXX ) I have inquired in to the status of my open case and DEMANDED that they resolve the matter as we are approaching 30 days from the date of the purchase. I also notified them that I would be filing this complaint.
I currently have an outstanding student loan with Citibank. In XXXX 2014, I spent time reviewing my account online in search of a method to increase the auto-debit from the minimum payment to a higher amount, like banks allow you to for credit card payments. I could not find this functionality and so I called the customer service line to inquire how to do so. The customer service representative advised accountholders could not do that on their own, but the customer service representatives could at our request. Therefore, I requested the amount to be withdrawn each month be {$150.00} and the additional $ XXXX be applied to my principal. The representative had me wait on the line a couple of minutes as they executed the request, advising they could n't withdraw an even {$150.00}, but it would be a mere few cents over. Confused, I asked why and they advised it 's just how their system is. I advised that although weird, that it was fine as long as the extra was applied to principal. They then confirmed everything had been taken care of. However, now I have heard from some that many loan providers incorrectly modified the loan schedule for the higher payment, instead of keeping it the same and just adding the extra payment amount to principal - which could qualify as a UDAAP violation. Additionally, that the incorrect loan information ( including minimum payments ) is being provided to the credit bureaus - which is a FCRA violation. I called into Citibank last week to ask whether this was the case - changing the loan schedules vs. applying the extra amount to principal - and their people even confirmed it! They advised there is no way for them to increase the amount withdrawn each month except in doing this, but that I should have been advised. I asked how has this affected the interest I have paid, and they are claiming there is supposedly no impact, but that makes no sense. Please help!
Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 
Very Respectfully, XXXX XXXX
i contacted the credit bureaus by mail and ask for proof that these items in question was mine they said they had no proof in my file that these items where mine but they refuse to remove them from my credit report I know this to be illegal according to FCRA laws under FCRA law 609 I have the right to ask for these documents to be sent to me by mail and I did they sent no documents to me so by FCRA law these items have to be removed from my credit report ASAP
My friend and I used my another friend 's phone number and sent XXXX dollar to him on XXXX, and we were XXXX in Bank of America XXXX But the friend never received the money. I went and called to Bank of America lots of times, and the assistant said that the money was transferred to the another person who has same phone number with my friend, which means there are 2 people have same phone number. The assistant also said that they tried to call the person and got my money back, but it did n't work.
I have a XXXX mortgage with Wells Fargo. They have tried everything toforeclose on my mortgage illegally. I was denied a loan modificationseveral times. Many of my payments went unreported. 
I sent for information from them on my mortgage, they neversent anything. I filed Bankruptcy and they would not comply with thecourt. They ignored every request from the courts and from myattorney. I asked them again for a modification and they soldmy loan to XXXX XXXX XXXX XXXX XXXX XXXX LOANS
I originated this loan in XXXX. It was for the purchase of a XXXX Carry over truck but it was new.We got the loan at 0 % interest rate. Things were going well as far as payments and amounts being correct until they did a update to their computer system in XX/XX/XXXX. Ever since then there has been a discrepancy of about {$400.00}. I have called and emailed numerous times. I can go back just like they can in payment history, yes I have moved my payment due date but I had always paid in the end what it said the payment was. I did split my payments in 1/2. I did a complete printout of my loan payments since the origination of the loan. If what they are telling me is correct that this is all late fees that had occurred since the opening of the loan and were not paid 1. Why were no phone calls made to me? 2. Why was it not stated on the online account page until XX/XX/XXXX? If there are late fees still owed fine I will pay them but I DO NOT agree with the {$400.00} they are saying it is. I can calculate and in the worst case it is like {$50.00} I owe!! Every time I call the representative says yes I see it and I will get it taken care of.Then there is also times the computer system is down. That has happened alot! They always assure me the problem will get fixed Well guess what it isn't!! GM Financial prides itself on its customer service. That's a load of XXXX!! Even if they offer the 0 % financing really think long and hard about taking it!! This company will put you through XXXX!!
I am the successor trustee for a trust account opened at Bank of America, branch located at XXXX. - XXXX, FL XXXX. 
The original trustee is deceased and I have been trying for over one week to gain rightful access to the account. I did provide a copy of the trust agreement, which designates me as the successor trustee, as well as the death certificate of the original grantor/trustee. However, nobody at the bank seems to understand how to make the proper modifications to the trust account to provide me with access. Time is of the essence and yet phone calls are not promptly returned, and when they are returned, all I get is stalling from the branch manager, XXXX. 
Their delays are causing irreparable harm to the trust. Please investigate and resolve this issue including any applicable penalties for the unjustifiable delaying tactics this bank is using.
Today a XXXX XXXX XXXX ( sounded like what he said ) from the checking account investigative unit of Citibank called me. According to him the bank sent him CFPB case # XXXX which deals with the closed XXXX credit card ending in XXXX. He didnt know why and ask me. I told him I did n't know why the bank contacted him but it sounds like their norm of miscommunication. 

My problem with Citi is why did the banks IRU send my closed checking plus payments to the credit card? That checking account ended in XXXX. The account numbers were written on the checks and money orders. I attached copies of the checks because Citi accused me of not paying, yet they cashed then applied the money to the closed credit card. XXXX XXXX kept asking me the same question at least four times. To me this was a rhetorical question ; he knows the answer. 

In addition to the Citi still has not addressed how can a closed XXXX account be a 169 days late as of XXXX XXXX? Now that Citi deducted the misapplied {$150.00} it has increased the amount owed on the closed credit card account. As stated in case XXXX I stopped the monthly {$70.00} ACH to the credit card and will pay {$50.00} a month until Citi gets their act together. I hope soon because they are purposely keeping me in extended debt to them on purpose.
In XXXX XXXX I took out a Payday loan with XXXX XXXX for {$400.00}. XXXX advised by the representative I 'd need to repay a finance charge of {$140.00} + the original loan amount, for a total of {$540.00}. They have not stopped charging my account since XX/XX/XXXX. When I contacted them in XX/XX/XXXX, they told me that I had to pay an interest payment before I could pay the principal. I threatened to contact an attorney, and they stopped, but started again as Big Picture Loans. They have drafted by account twice monthly. Upon further inspection, they have fraudulently initiated XXXX new loans in XX/XX/XXXX which I did not initiate ( See Attached ). Please help.
Dear Sirs! 

My previous landlord did not notify me in a written manner ( did not send a written notice ) about the collection moreover did not give me a possibility to dispute the debt. I got known about the collection while was applying for a new credit card. Collector " XXXX XXXX XXXX '' XXXX XXXX XXXX, XXXX, WA XXXX, the landlord " XXXX XXXX at XXXXXXXX XXXX ''. I did know that I can dispute the debt and require from them an additional information in order to validate the debt therefore paid in full. I scared that my credit score will go down and decided to make a payment ASAP. 

Appears that actually no matter if I have paid or unpaid collection nevertheless it hurts the credit history tremendously. After that I called a bunch of times and also send them both ( the collector and the landlord ) emails to remove a paid collection from my credit report and unfortunately any luck. 

The landlord gave me a notice to vacate to premises, I vacated the apartment unit moreover gave them a notice to vacate in a written form, same day the representative from the landlord inspected the premises. After that they did not inform me that created a collection debt for the lease termination. 

Looking fwd for your cooperation and help in the case In my opinion the landlord and collection agency did not give me a change and a possibility to validate the debt and prove my rightness.
State employees credit Union of north Carolina refused to assist me in dealing with a credit card which was opened and used fraudulently. I was not notified of or provided with statements for this card until i was contacted by phone to inform me of an accumulation of late fees close to the amount owed. They credit union 's idea of a resolution to the issue was to freeze my account with no notice and report me for a blacklist on XXXX.
On XX/XX/XXXX I viewed my credit report and Sallie Mae is reporting on my credit report for the year XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX which I requested them to removed from my credit file and the customer service representative name XXXX employee number : XXXX. Stated that that's up to XXXX, XXXX, and XXXX  to remove after 7 years. I requested validation with evidence bearing my signature by fax. This company has a number of 6 different items reporting on my file from years XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX.
XXXX XXXX XXXX XXXX is not license to collect in the state I live.
i have various hard inquiries on my report that have affected my score, i would like to be removed ... some have not been removed and the months have stated that they should be removed in XX/XX/XXXX and XX/XX/XXXX. please help
My original student loan was through XXXX XXXX in 2006. At some point it went to Navient. I have had several different payment plans with them to pay this never ending loan. I have paid way more than what the original loan amount was. On my credit report it shows up as several loans and several different charge offs. My most recent payment was set up as $XXXX/ month with no interest until the final $XXXX was paid off. I recently received a call from Navient saying I haven’t paid in forever and they need to set up another payment or pay in full. The lady on the phone was unreasonable and would not answer any of my questions.
On XX/XX/18 a check and letter was sent to Capital One. The letter and check stated that upon cashing the check they were entering an agreement to delete the debt from the three credit bureaus, a pay to delete. The check was cashed, electronically but they refuse to delete the debt which was agreed upon!! They refuse to cooperate with an agreement they entered once they cashed the payment. This is unfair to me, the consumer. I would expect such a reputable company to honor such agreement.
I graduated from XXXX school on XXXX XXXX, 2017. In XX/XX/XXXX, I received a letter stating that my in-school deferment was ending sometime in XXXX and that the company would send me an additional letter with payment schedule ( which I never received by the way ). On XXXX XXXX, 2017, I tried calling Navient to place my account on a three-month forbearance. As I am studying for the XXXX XXXX XXXX which is being administered on XX/XX/XXXX and XX/XX/XXXX, I am unable to work full-time and earn income to repay my student loan until XX/XX/XXXX. All I asked is that my payments be postponed until XX/XX/XXXX. I spoke to two separate representatives from Navient advised me that it would cost me a " one-time '' fee {$50.00} to place my loan on forbearance. This fee would n't be applied to the principal of my loan, it appears that it would just be pocketed by the company. Mind you, my student loan payment is {$70.00} per month. If I do n't have an extra {$70.00} to make my XX/XX/XXXX payment, I do n't have an extra {$50.00} to pay a forbearance fee. The company refused to waive the fee and threatened to go after my co-signer if I do n't make my payments. Additionally, the customer service representative proceeded to ask for my checking account information, which I refused to give in fear that the company would make an unauthorized charge on my account. Essentially, the company is setting students up for failure who are trying to be proactive about obtaining a forbearance in advance of accumulating missed payments. This is an unfair business practice, as it appears that instead of working with borrowers who are struggling to repay their loans, Navient is capitalizing off of their financial hardship instead.
id theft victim sent po report inaccurate information sent all the violation to XXXX, experian, XXXX
I paid off my Bank of America credit Card on XX/XX/XXXX And had a {$0.00} balance. On Monday XX/XX/XXXX I had a XXXX balance before I used my card and purchased {$390.00} total. On Tuesday XX/XX/XXXX I paid {$400.00} onto my card. on XX/XX/XXXX I was told I owe {$22.00}. I was told I was being charged interest. But my card was paid in full. I tried to speak to customer service but the wouldnt wave the fee.