WillisBack/dataset-financial-user-claim huggingface dataset:
Nutshell : Bank of America doubled the fraud by allowing a XXXX company to claim it never received the returned, fraudulent laptop from me IN PERSON so my XXXX bank gave them money back, too, despite my protests and proof of the return. 

This was for a laptop purchased as new while living abroad in XXXX ; the company XXXX sold it as new, but it was actually refurbished, malware-laden, and did not have its XXXX XXXX license activated, which costs over {$800.00} through XXXX to put this fraud into perspective. 

The conman saleswoman even had the nerve to begin stalking me, calling me 6 times in a row one day begging me to explain to the bank not to reverse the entire purchase that would have included a 1 Tb hard disk drive. I assured her I only asked for the portion of the laptop to be returned in the initial claim, as I did not believe her XXXX   that I would receive a refund from her company in literally a month. I did not receive a refund for the junk, but my bank ultimately believed their new story that I never gave them the laptop and would not pay my claim, taking {$540.00} credited earlier OUT OF MY FEDERAL SOCIAL SECURITY DISABILITY PAYMENT I RELY ON TO SURVIVE IN XXXX. 

A supervisor lied to me that I would be sent a message allowing me to appeal the decision and submit additional proof through the bank 's interface. 

This never happened, so I have attached here the exact email sent by that conwoman confirming the return and partial refund on the day I gave her the laptop back in person, including its attachments of her business card, a copy of the original receipt with her checkmark, and an XXXX spreadsheet of upcoming bank credits that is the only proof of return and refund she would provide. 

Bank of America Claim information : Current status : Resolved - claim not paid Help for Resolved - claim not paid Claim ID : XXXX Claim amount : {$540.00} Initiation date : XX/XX/2018 This bank will become nothing more than my XXXX pass-through going forward for what it's done with this and a very clear dental claim of fraud of over {$2000.00} I had to take care of myself ( with the new practice owner months later ) because this bank dropped the ball on it, too. 

Bank of America are XXXX XXXX who believe themselves entitled to regularly lie during calls with clients. As a result, they have cost me over {$2500.00} in fraud supposedly covered in addition to making me cover the cost of all overseas calls with waits of over 30 minutes.
In XXXX XXXX, I inquired to XXXX XXXX XXXX XXXX XXXX for XXXX XXXX. As a result, XXXX XXXX XXXX XXXX XXXX did a hard inquiry into my credit report and reported it to Equifax. 

This was totally unnecessary as a soft inquiry would have been sufficient to provide them the information they needed. I ultimately did not use XXXX as their prices were too high. 

I have accounts with XXXX, XXXX, XXXX XXXX, & garbage collection utility providers for my house. None of these have ever done a hard inquiry when establishing or moving to a new location. If necessary, a soft inquiry was always sufficient.
Our company " XXXX XXXX '' was issued a money order from " XXXX XXXX '' / US Bank. The money order was in the amount of {$900.00}, and was made out to our company. It was not made out to any individual. 

A third party intercepted the money order and was able to cash it at the issuing bank, located at XXXX XXXX XXXX, XXXX, CO XXXX. The third-party was not an officer of our company, and not related to the company. 

I asked to speak to the store manager about the missing check and XXXX XXXX confirmed the check was cashed to a third-party, and showed me the endorsement of the third-party who cashed it. 

When I informed them that they did not have authorization to cash that check to any stranger, XXXX XXXX became indignant and rude. She informed me " this is how we always do things, '' and " I've been managing banks for many years. '' I was alarmed that the bank cashed a check without checking endorsement, or identification. In doing so the bank has breached its duty to its customer and UCC code. 

XXXX XXXX refused to help me further and would not assist in the return my companies ' money order. 

I am filing this complaint in hopes that further damage can be prevented by the illegal actions of the teller and management from this bank.
COINBASE IS COMMITTING A MASSIVE FRAUD and THEFT Coinbase.com is withholding hundreds of millions of dollars worth of Bitcoin Cash ( BCC ) from their customers after Bitcoin underwent a hard fork on XX/XX/2017. They claim that they are simply not interacting with the chain, but that is not logical.
This is hundreds of millions of dollars we are talking about, possibly even into the billions. Unfortunately like many of the businesses in silicon valley their level of ethics and integrity are questionable at best, illegal at worst.
According to the company : https : //twitter.com/coinbase/status/XXXX We need the someone to step in and investigate what exactly is happening. Without committing my own overtly illegal action or spending a large amount of money to litigate, we, the public, are left at their mercy. It should be noted that other Bitcoin exchanges have credited their clients holding Bitcoin with their RIGHTFUL Bitcoin Cash.
COINBASE IS COMMITTING A MASSIVE FRAUD and THEFT Regardless of the fact that these " crypocurrencies '' are possibly the next great Tulip Bubble in the making, people are being wronged and someone needs to step in. The best analogy would be a stock spinoff. Imagine if XXXX XXXX decided not to interact with a stock spinoff -- that would be a crime ; there is nothing different occurring here.
I have been fighting with Transunion for years. They continue claiming they have investigated reported information and determined it to be verified, only to have me come back with proof it 's not mine. They have ruined my life for years because I have a common name and no not follow proper procedures for releasing my credit report or verifying the accuracy of reported information. 
They requested a notarized statement saying inquiries were unauthorized and they 'd remove them, yet they have refused to do so after I have sent it in many times.
On XX/XX/18 I sent in a dispute to transunion about 12 inquires that I didn't give permission to pull my credit. These inquires were not done by me. In my dispute letter I stated I wanted transunion to remove these inquires because they were not authorized by me, and they don't have any documents supporting these inquires. Transunion never responded at all. The Fair Credit Reporting Act clearly states that these 12 inquires must be removed because 1 : One I didn't authorize them, 2 : Transunion didn't response within the 30 days 3 : Transunion don't have any supporting documents proving I authorize these inquires.

The inquires are : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX -XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
In XXXX, 2015 I contacted XXXX ( XXXX ) for assistance with my mortgage. In coordination with this process, I was required to request loan modification from my mortgage provider Bank of America. XXXX requires the exact same documentation as Bank of America. While XXXX received, evaluated and provided me with a denial of my request based on my income, Bank of America has continually asked for additional documentation, although I have provided everything requested within a XXXX hour window, either by fax or document upload to their website. I would get a call from a " customer relations manager '' requiring XXXX more document. I would immediately provide it ( within XXXX hours ) and then a week would go by and then I would get another e-mail and another call asking for yet another document. Much of the documentation has had to be provided XXXX or XXXX times and still no resolution. Bank of America is now indicating that we wo n't be able to meet a regulatory deadline in order to complete a determination of the loan modification request. As of XXXX XXXX I have had a change in income. I have provided proof of that change, but Bank of America will not accept that documentation until actual receipt of a deposit to my bank account. Actual deposit wo n't occur until outside the XXXX day window Bank of America appears to working under. The fact that a determination has not been made ( up or down ) prior of XXXX XXXX is a tactic to deny me the opportunity to keep my home and have a more manageable mortgage. XXXX made an assessment and provided me with a determination over a XXXX ago. I believe Bank of America to operating in bad faith.
XXXX  has been non-compliant with removing the unverified account RUSSELL COLLECTION AGENCY INC Opened Date XX/XX/, 2014 which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that RUSSELL COLLECTION was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
CMRE. XXXX XXXX. {$330.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
SourceRM is calling 2-3 times a week, after having set a date to pay this in full. However, each time they call, they are derogatory and insulting in how they speak. Between all these calls they are harassing me at work and at home. Ive called and spoke to the manager as well. Ive set a date to pay this in full, of which is only XXXX however, they keep harrasing me every week. I will be paying this in full on the XXXX of XXXX.
Dear XXXX Experian XXXX I go by XXXX XXXX and not XXXX XXXX that is the first inaccurate information that I am disputing. So every inaccurate account listed under that name isnt mine my name is spelled XXXX XXXX. I am unaware of the accounts and inquiries. Last time I purchased anything it was for cash. I have never used my credit and dont ever plan on it. My report is clear. None of the accounts or inquiries are mine these are errors youre reporting. I am in total distress due to the my credit report. I have sent certified letters, including faxed letters on several occasions. You have removed some of the inaccurate accounts but not all. I have attached a letter with the inaccurate accounts that you are reporting and didnt not remove. My credit report should be clear on any inaccurate information you are reporting because its a violation to place items on my credit report that doesnt belong to me. If you dont comply within the time frame of our appearance in XXXX XXXX County Courthouse you will be summon and I will take further actions on making this a serious legal matter if you continue to report any other error on my report. I am working with an investigator to make sure we find out who is placing the inaccurate accounts on my report. I have been told in the past that these credit bureau are purposely leaking information to cause severe breaches so that you can make an income. I advise you that you remove every single inaccurate account from my credit report. I havent checked my credit report since XXXX so therefore I shouldnt have any foolishness on my credit report.
I am again having issues with the mortgage company Planet Home Lending, affiliate of XXXX. We were sent to this company for collections that we would not have have been in if XXXX would not have refused our payments for over a year. Again they accepted one and not others. So we were placed with a collection agency, who are now saying they did n't receive a payment for XXXX XXXX, the payment was sent the end of XXXX, however the other payment submitted in XXXX was also refused. The check was cashed on XXXX/XXXX/XXXX. We also had to send the modification papers in with the pay difference because this company has raised our payments from {$570.00} to {$680.00}, claiming it is for court cost lawyer fees etc. This would not have been the case if these companies would have kept the payments they received every month. I am a little concerned on whether this complaint will get results, I just talked to the company and was told the person handling the complaint is not in the office and no one else is taking his work load. 
His name is XXXX XXXX, So I asked how this business is being ran? One person that handles complaints and they are not answered in the allotted time. Again I think this is an issue and not acceptable thru FHA guidelines. 
Thank you for your time, XXXX XXXX
We have a USBank credit card and received the 'free ' interest rate checks. The offer was 18 months no interest. We paid a dental bill with XXXX check and interest to start XXXX XXXX if not paid in full. 
Later in the year they sent checks again offering 18 months with no interest. We used XXXX check to pay for a hot water heater repair interest to start XXXX XXXX. 
Finally had to use the offer of 18 months with not interest. We used XXXX check again to pay a dental bill. 
Now we have XXXX outstanding amounts XXXX is due to expire XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. We sent in a large payment expecting it to go the XXXX XXXX charge [ note as of last month no outstanding balance other than the checks on the card ] Checking my statement found USBank applied the payment to the XXXX XXXX balance and only applied the minimum to the XXXX XXXX balance. 
When I called and finally talked with a supervisor asking for documentation that I should have received regarding this practice she stated the payments all GO to the HIGEST interest rate. Interesting all my XXXX checks have the same interest rate. So I will be paying off the oldest amount first and will be charged interest on the others as they become due unless I borrow money to pay off the full amount before XXXX. 
The supervisor stated they get a lot of complaints and they are looking into changing the rules. She did advise to make the minimum payment until XXXX. Once I am charge interest on the XXXX XXXX invoice pay it in full. Then continue to make minimum payments until the XXXX XXXX invoice is due then pay in full or make higher payments and the payments will all go against the XXXX invoice. 
XXXX last thing we do have a small recurring charge for newspaper delivery. Now we have to also pay minimum interest of {$2.00} due to the free interest total amount. Just removed that recurring charge to another card. 
I have only used a XXXX XXXX card with XXXX finance for 18 months. Have had more than XXXX purchase and they always apply to the oldest charge first. Never an issue. 
I will never use USBank card again.
I took a loan out with ReliaMax lending services to pay for a pharmaceutical sales course online ( XXXX ) thru XXXX XXXX XXXX XXXX XXXX. 
As it turns out the course was a scam and a way for the instructor to make money. Meanwhile I am still responsible for this loan. I do not want to pay for something that was a scam and will not get me anywhere. The instructor got sued in the state of Colorado a few years back.Therefore he should not be allowed to even teach this course. 

I need relief from this loan and do not want to pay remainder. Below you will see links to the lawsuit and complaints for company. 

https : //www.stopfraudcolorado.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  https : XXXX
Keep Your Home California assisted us during a recent period of unemployment by paying our mortgage to Seterus. Keep Your Home requested paperwork that they later did not need that resulted in a delay in processing the mortgage payment to Seterus. We explained, in advance, the circumstance to Seterus in an effort to have them excuse the late payment. They adamantly refused to cooperate and were extremely unaccommodating of our request despite our never having been late on any prior payments, not even once.
I have been trying to obtain a mortgage from a financial institution for over 3 months. In this time frame, they have requested irrelevant and personal information, neither of which pertained to my loan. I have gone above and beyond providing whatever they asked for to the best of my abilities until I had finally had enough and told them they were invading my privacy. I have an almost XXXX credit score and no debt on my credit report. I have been dragged along and promised on XXXX specific occasions that I was 100 % approved only to be followed by " and now we need this, BUT you 're still 100 % approved ''. I fear I am going to lose the home I am trying to purchase due to their outrageous demands for irrelevant information and being dragged along for over 3 months. If I choose to go with another lender, I will be out over {$18000.00} due to rates rising as well as the money I have put into all the appraisals and inspections I have already put into the home. Approximately a week and a half ago I was surprised with a call from the lender demanding I produce a document that the sellers claim does n't exist. It is a " XXXX road maintenance agreement '' and I was being forced to draw up a petition and have all my neighbors sign it and the purchase of this home I 'd like to buy is contingensign people I do n't know and that do n't know me signing this agreement. I do n't feel this is fair to place the fate of this home on my soon to be neighbors who have already supposedly not agreed to sign the made up form. I 'd like to report SunTrust for false representation and fraud and if they do not approve me after all this time and I 'll be out so much more money, I 'd like to some how getthat back as well to put towards my new loan. Time is of the essence on my loan given that my closing date is XXXX XXXX. Thank you for all your assistance.
I recently reached out to Transunion via telephone, I informed the representative that I notice on my credit report that I have several inquiries that I didn't authorize. I explained to the representative that I believe the unauthorized inquiries may be a result of the inquiry issue Transunion experienced within 2017. The representative refused to assist me with having the misreported inquiries removed. I have reached out to the companies directly and reported the inquiries as fraud but they were not removed. Below is a list of the inquiries listed on my credit report that were unauthorized : XXXX XXXX ( 2 ) XXXX XXXX  ( 2 ) I would like your assistance with having these unauthorized inquiries removed. 

Thanks, XXXX
Well Fargo Credit Card has been reported charged off for more than 6 years and they report that I still owe every month.
I PREVIOUSLY REPORTED TO YOU THAT EQUIFAX IS REPORTING A MACYS ACCOUNT ON MY CREDIT REPORT THAT I DISPUTED ORIGINALLY IN XX/XX/2018 THEY NEVER GAVE THE RESULTS OF THRIR INVESTIGATION SO I RESUBMITTED A REQUEST TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT AGAIN THIS TIME USING YOUR SERVICES EQUIFAX RESPONDED TO YOU ON XX/XX/2018 AND SAID THAT A REINVESTIGATION IN PROCESS ON SATURDAY XX/XX/2018 I RECEIVED A LETER FROM EQUIFAX STATING THEY RECEIVED THE REQUEST CONCERNING MY EQUIFAX FILE BUT THE IDENTIFICATION INFORMATION I PROVIDED DOES NOT MATCH THEIR RECORDS AND TO PROPERLY ASSIST ME THEY WOULD NEED ADDITIONAL INFORMATION TO VERIFY MY IDENTITY AND CURRENT ADDRESS AS I BEGAN TO GET THE DOCUMENTATION READY TO SUBMIT TO THEM THIS MORNING ON XX/XX/2018 AT XXXX XXXX I RECEIVE AN EMAIL THAT THE INVESTIGATION RESULTS ARE IN AND THE SANE ACCOUNT STILL REMAINS ON MY ACCOUNT. HOW CAN THIS BE POSSIBLE WHEN THEY DID NOT RECEIVE THE INFORMATION FROM ME WHICH THEY REQUESTED ON XX/XX/2018 THAT I RECEIVED BY POST OFFICE MAIL ON XX/XX/2018 TO VERIFY MY INFORMATION AND IDENTITY. AGAIN EQUIFAX IS FAILING ME AND NOT PROPERLY INVESTIGATING THIS FRAUDULENT ACCOUNT AND REMOVING IT FROM MY CREDIT REPORT. SOMETHING NEEDS TO BE DONE ABOUT THIS EQUIFAX AGENY THEY ARE FAILING US WITH THESE ILLEGAL PRACTICES OF NOT FAIRLY INVESTIGATNG FRAUDULENT INFORMATION BEING PLACED ON CONSUMERS CREDIT REPORTS
Experian is reporting inaccurate and re-aged account information on my credit file after I disputed it. They were advised that the company did not possess a license to do business in Virginia and that the account information is inaccurate. They claim they investigated and placed it back on my account. The company is NOT LICENSE ; therefore it CAN NOT be properly validated the account has been re-aged.
XXXX XXXX XXXX XXXX account number XXXX See attached documents. This account should read XXXX balance and CLOSED. 

The attached are from FEDERAL BANKRUPTCY COURT. Signed by a FEDERAL Judge. 
Failure to properly note credit report is violation of FEDERAL LAW! 
This is solely on EQUIFAX not XXXX XXXX. 

EQUIFAX will be reported to XXXX XXXX Bankruptcy Trusteee and Magistrate if this inaccurate information is not corrected. LOOK AT THE DOCUMENTS ATTACHED!!!!!! 

They are from FEDERAL COURT. They Trump any documentation by XXXX XXXX. 

The ACOUNT SHOULD read CLOSED and XXXX balance just like the DOCUMENTS FROM FEDERAL COURT!!!!!!!!!!!!!!!!!!
Credit report agencies refuse to delete unverified bankruptcy on my credit file. I have sent several letters in the past two years asking for proof by providing me with documentation with my signature on it. Instead they sent me a bogus letter saying they verified the information as ... being accurate. No documentation with my signature on it was provided to me in accordance with the FCRA Section 609 stating that the CRA 's credit agency must provide the consumer with the original signed contract or they must delete. They say they verified this bankruptcy filings with the clerk of the court but the clerk of the court does not verify that information with 3rd party. So they are lying and continuing to report these inaccuracy on my credit file which is against the federal law. I am also requesting the names, addresses and telephone numbers of individuals they contacted so that I may follow up. I want this unverified bankruptcy deleted immediately. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute.
XXXX XXXX account balance was XXXX. ACH payments of XXXX and XXXX came in. Bank paid XXXX and charged my account.. I want that fee refunded. I am not asking for a courtesy refund. This is a bank " flaw '' in their system.