WillisBack/dataset-financial-user-claim huggingface dataset:
I received a combination letter/form fromPopular Community Bank. The letter indicated that I had an inactive account ( the account number was on the letter ) that would be turned over to the XXXX if I did not take some steps to activate the account by a date in XXXX. I called the number on the form ( I checked on line and the number on the form was the number listed for the bank ). I spoke with a representative to confirm the contents of the letter and asked how to just withdraw the funds. I was told that the account needed to be reactivated first before the withdrawal could be made. I asked if the request for withdrawal could be made at the same time as the activation request. I was told yes and returned the form with my request for the withdrawal of funds. On XXXX XXXX, 2015, I received a call from E-Loan where the original account had been opened. I was told that if I wanted the funds withdrawn, I would need to do so on the e-loan site not in writing as previously told. I took the number and called back ( the number listed on the e-loan website was the same number I had been given ), talked with someone else who gave me the same information. I spoke with XXXX representatives of e-loan and XXXX representatives of Popular bank. Each said I needed to follow the e-loan process. I went on line to make the request yesterday. When I entered my information to set sign into the account ( I was really setting up and account because I could not find the original account information ), I received an error message. I also sent an e-mail to Popular Band customer service but have received no response. I am worried that I have been the victim of a scam.
Synchrony Credit have created an unusable online experience that is making it constructively impossible for me to login and check my balance. -- - I have an Amazon.com Store Card which is serviced by Synchrony Credit. The website, which is the only way I can view my statements, has recently been very difficult for me to use. Almost every time I have tried to login, I am told that my password needs to be changed, and/or that I need to receive and enter an passcode through my phone. On X/XX/2017 I tried contacting the bank both through the online chat support channel and by calling their phone support. The online agent was completely unable to help me. After a lengthy wait on the phone, an agent answered but was unable to understand what I was complaining about. Finally, he transferred me to another support queue, where I was put on hold for an additional ~15 minutes. The representative who answered was also unable to help, but told me that she would forward my request to their IT department. This aggressive login scheme seems to me to be excessive and I 'd like for you to encourage Synchrony to make their online experience more accessible. Thank you, XXXX XXXX
To whom it may concern, In the spring of XXXX, while I was still in school, two of my student loans went into delinquency. In early XXXX those loans went into default. At that time the law office of Schachter Portnoy , L.L.C . began collection on the loans. We agreed upon an amount and I have been paying it ever since. I was writing to see if I could get this delinquency or negative mark off of my credit report. It has affected my life ever since and now I am trying to buy a house and it is making this difficult. I have kept current on everything else in my life and this is the only blemish on my credit report. After speaking with a loan XXXX and explaining my situation he also said the way this appears on my credit report doesnt seem quite right. At the very least I would like the status of this to be changed. I have tried to contact Schachter Portnoy and they told me the only thing that could change the current situation was to pay to amount in total and I dont have that kind of money. I do not want this derogatory mark on my credit report for the next 10 years. I have included documents from Schachter Portnoy L.L.C regarding the default and my current standing as well as bank statements showing my payments. Thank you for your time. 

Sincerely, XXXX XXXX
These are inquiries that I don't recognize : XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX.
In regards to complaint # XXXX, you have a person, to whom has no bearings on the account in question. The letter dated XX/XX/2016, from Chase, is addressed to a person whom has never had any ties to the account, whatsoever. This is apparently an attempt by Chase to delay responding to my complaint.
During many years I used to have several Paypal accounts under my name, a couple of them in the USA whereas the other ones were international ( XXXX and XXXX ). All of them were verified accounts with bank accounts and credit cards associated. Suddenly, and without any logical explanation, Paypal first restricted all of them and later ( XX/XX/XXXX ) closed them all after my appeals that Paypal denied. During this extenuating process, Paypal contradicted many times, gave confusing and illogical information, had a lot of prejudice and misleading data, fallacies of several types, etc. I am very aware MANY accountholders both in the XXXX and overseas suffered similar nightmares ( and many even worst as some websites report it! ). In XX/XX/XXXX and afterwards, I did try to obtain an explanation from Paypal by directly calling their number in XXXX, CA. However, not only I received no explanation or even some hint but also I had to put up with rudeness, unpoliteness and lack of consideration from the Paypal agents who " answered '' my calls. Speaking with the XXXX from XXXX, CA was useless as he stated he could not disclose any further details as towhy my accounts were closed. During XX/XX/XXXX year through the websites devoted to the thousands of complaints against Paypal such as http : //www.paypalcomplaints.org/ and XXXX I was able to obtain further details and I emailed XXXX, the XXXX of Paypal but never received a response ... In the same sense, I emailed several of the Paypal email addresses listed there but no response at all! The basic thing I deserve from Paypal is an explanation of what happened or what induced them to take the decisin of restricting and closing my accounts. When restricting and blocking my accounts Paypal opened several case numbers that I will provide.
I used my USAA debit card at a XXXX XXXX ATM on XX/XX/XXXX. I attempted to withdraw {$400.00} from my available funds. The ATM gave me an error message indicating that funds were not available and did not dispense any money. 

I immediately pulled over in the parking lot to check my account via mobile banking because I knew I had sufficient funds. My mobile banking app showed sufficient funds but also showed that the ATM withdrawal went through. 

I called USAA and they temporarily replaced the {$400.00} while they investigated. However, they withdrew the replacement money on XX/XX/XXXX citing a finding in favor of XXXX XXXX. 

I requested supporting documents in writing in compliance with their instructions, but never received a response, or my {$400.00}.
American Accounts Advisors had previous removed this account in 2014. It 's showing up again. Its not my account. I never signed anything with XXXX XXXX. Never needed their service never opened an account. This is now turned to collection harassment!
It all started I XXXX called the bank because we where having difficulties coming up with the mortgage payment due to an accident my wife had XXXX couldnt return to work.. ; so we wanted to see what we could do to lower the mortgage payment ; after speaking to Wells Fargo We started sending all the documents needed for a modification. It was a lill confusing to us and we wanted to get a good aoutcome so we decided to get a lawyer to represent us ( XXXX ) XXXX XXXX XXXX XXXX the bank XXXX Wells Fargo XXXX XXXX denying us ; the layer kept saying to us all the time We spoke to him that We were elegible and that it was the bank giving us the run arround ; last letter We received facing foreclouse so we contact the lawyer XXXX he told us that he needed {$3500.00} to submit some document to stop foreclousere.. we couldnt afforded it. So we started calling d bank.. XXXX they ask us to submitt all the documents again nothing was moving so We called XXXX of XXXX XXXX XXXX They have been working with us to stop the foreclosure and get a modification going.. finally We just got an approval but with a first trial period mortgage payment of XXXX. After trying 2 years non stop to get a modification this is what we get.. We dont have that kind of money and its not fair to us.
Capital One has charged me over {$90.00} in late fees. I 've contacted them multiple times to resolve the matter and have been reassured by team members hat the issue is resolved yet they continue to charge late fees to the account. This account has been closed out for several months at this point and I 'd really like to have this matter resolved.
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information / and the removal of any fraudulent inquire that was made from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX BANKING XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX BANKING XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX BANKING The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), XXXX the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
This morning, X/XX/17, I tried at least three times to use the security freeze option offered online at Equifax 's web site at freeze.equifax.com. Each time, after following all the steps, I received a " 500 '' error message. I then went to equifax2017.com, and followed the instructions, to no avail. I tried the phone number given for freezing my credit at Equifax, XXXX. Following all of the prompts, " 5 '' and then " 3 '' I got through to the freeze function and was informed by a recording that it was unavailable. Through XXXX 's web site, I then tried another Equifax number, XXXX. After waiting on hold for a while, a representative answered and told me that in order to freeze my credit, I needed to go to www.ftc.gov/XXXX. I went there, and could find no means to freeze my account. Searches on that site for " freeze '' and " security '' revealed nothing. I then called the XXXX number again, XXXX, and was told that I should NOT use the ftc website, and instead should go to equifax2017.com. When I told the representative this did not work, he went away for a moment for further instruction. When he returned, he could do nothing but read from a script with the same instructions and say " I 'm sorry. '' I told him that the information being providers was useless, and he said " I 'm sorry '' as if he truly meant it ; I felt badly for him that he was put in this position.
I 've sent numerous requests to this company via Certified Mail requesting proper validation. Each time the company ignored my request and sent the same itemized bill. I shared with this company the FTC opinion letter on itemized bills. They have not provided me with documentation showing any type of agreement between me and the party. After doing research on this company my State, Texas, has been to court with this company. The court documents stated that Midland claimed to have a copy of the " consumer agreement '' for all consumers who " owe '' them. I requested a copy of this agreement and was ignored. I 'm not obligated to pay a debt buyer who ca n't validate a debt properly or fail to communicate properly. They 're known to bully consumers and sue consumers all the time. I will attach a copy of my letter to them, FT C Opinion Letter, th eir response. Please be advised that the copy of the response you see from them is what they continue to send me over and over again, ignoring request of other information.
The Citibank offered several promotional offers in XX/XX/XXXX. One of the offers required a deposit of {$25000.00} in a new account ; keep it for 90 continuous days for a cash bonus of {$500.00}. I contacted a personal banker of the Citibank who verified my account and eligibility requirements to receive {$500.00} bonus. The banker opened a new XXXX XXXX XXXX XXXX for me and instructed on how to transfer money from another bank to the new account. After the banker assured me that I was eligible to receive the {$500.00} bonus, and the {$500.00} will be deposited into my account after 90 days, On XX/XX/XXXX I started to transfer {$25000.00} from XXXX XXXX to the Citibank. The {$25000.00} transfer was completed on XX/XX/XXXX. The Citibank has not yet deposited the {$500.00} bonus as promised. The bank insists on offering only 10 times the interest up to {$500.00}. I never participated in any offering that offered 10 times the interest.
On XX/XX/2017 I deposited {$960.00} to the new Chase atm in XXXX XXXX, Florida. The machine made a whirring sound for a few minutes and then stated that there an error and the atm gave a receipt. 

Sequence # XXXX " Deposit to Chk Acct XXXX This device has experienced a technical problem. To confirm that your last request was completed properly, please visit a chase bank or call XXXX ''. I did NOT leave the atm for about an hour, while I called the number and spoke with a representative that claimed she would credit my account {$960.00} within the hour while the issue was under investigation by the claims department. The money was not deposited the next day so I had to call back & the claims department saw no record of that being told to me. They credited my account the {$960.00} and took information from me in case they had to reach me for any questions concerning the investigation. 
XX/XX/XXXX, {$960.00} was taken out of my account without any notice from Chase Bank 's Claim Department. I called and was told that there was no money in the atm and the claim was denied. I was also told that they would not look at the camera. I went INTO the branch & the branch manager,  XXXX, said she would personally look into it. She called the Claims Department and faxed over the receipt that stated there was an atm error with my deposit. The " Escalations '' department stated that they would resolve the issue in 24 hours. They did not. The branch manager called back and they told her they never said that. Even the branch manager stated that she has never seen such incompetence in 15 years at her job. The Escalations Department then claimed it would take 7-10 business days. I have no heard anything and called them today, spoke to 4 people in 20 minutes and finally spoke with " XXXX '' who stated it was against company policy to give an agent #. XXXX told me the claim was denied, that they looked at the video and did n't see anything which is a LIE. So either, the guy who checked the atm stole {$960.00} from a single mother who had never over drafted or Chase Escalations Department defrauded me out of {$960.00}. I do  not understand how this is even remotely acceptable. XXXX told me his supervisor would call me in 24-48 hrs to tell me  what he already said. I told him I wanted this resolved and he said the issue was resolved but I just did n't want to accept it.
Equifax was notified on XX/XX/2018, Of an account that does not belong to me. They was asked to submit physical proof that the accounts in question belong to me. Instead they sent a letter stating accounts was verified where's the proof.
Case number : XXXX This is a follow-up to the previous complaint against XXXX XXXX XXXX and Schachter and Portnoy ( the collection attorneys ). I was in touch with my son, XXXX, the original signer of this loan and the one who was paying this loan through XXXX for many years. He called XXXX XXXX XXXX of the Firm of Schachter and Portnoy and left a voice mail and never received a call back. He attempted on several occasions to reach out to XXXX XXXX but to no avail. This is his loan and he is willing to pay it back, but the creditor needs to be in touch with him, not me. I have provided everyone with his phone number and address and he called and left his phone number for XXXX XXXX to reach out to him and he received no return call. It would be appreciated if this matter would be resolved immediately. 
Very truly yours, XXXX XXXX XXXX
Im trying to set up a XXXX account but Capital One wont enable them to access my account.
On XXXX/XXXX/XXXX, I opened a Citigold checking account with an offer / promotion stating I would receive XXXX Thank You points within 90 days after I complete the necessary criteria / requirements. On XXXX/XXXX/XXXX, I communicated via chat with a Citi Rep. named XXXX, who did confirm the validity of the promotion & eligibility of my account whereby I recalled that I had received from Citi. I further asked XXXX for a confirmation before I would fund the account, and he did assure me. Then, on XXXX/XXXX/XXXX, I communicated by phone with another Citi Rep. named XXXX who also confirmed that the validity of the promotion & eligibility of the account, and stated I had completed all the criteria required by Citi. Earlier this month of XXXX XXXX, after confirming the validity of offer/ promotion to my account, confirming the eligibility for the bonus to the account, and affirming that my account had met the requirements, Citi has more than once refused to honor the offer asking that I would provide proof or a postcard by mail. Regretfully, I do n't keep mail around for XXXX months, esp. having already confirmed with more than 1 Citi Rep. that my account is qualified & eligible for the offer & bonus and no one from Citi specifically asked for it then of 5-6 months ago, or nothing was ever stated then about a need to keep it. 
I 'm not alone ; it appears that hundreds of Citi customers are in the same situation as me from various internet sites & forums. I certainly feel deceived and that much of my valuable time / effort have been taken. I did hold up my end of the bargain, but Citi did n't or has n't. Therefore again, I respectfully ask Citi to make it right by honoring the written & verbal promises that will award the bonus points to my account ; otherwise, I sincerely request that CFPB will further assist my claim. My sincere thanks to all.
Today, XXXX XXXX,2017, I tried to access my XXXX report through the official website, XXXX. After completing the requested information I received a message that they were unable to access my information on-line. No reason for this was given. It was further suggested that I should request the report is writing. This I do not want to do as it will take such a long time to get the report, especially right now during the XXXX data breach. So, I decided to see if I could get the reports from the other 2 sources. I successfully accessed my XXXX report, but not the TransUnion report. I received a message from them that they could not access my information and that I should try again later. When I went back to the starting page to try again each of the sources was checked off as if I had gotten the reports. This was confusing. I need to know whether or not I will be able to get the other 2 reports later or will these unsuccessful attempts to get my reports be considered my annual requests and, therefore, prevent me from getting the actual other 2 reports.. It was annoying to have to reenter all of my personal information each time I went back to the beginning to try again.
Every month I pay over {$700.00} to Titlemax!! I located my loan papers and I agreed to pay  XXXX !!! I never would have agreed to pay so much. They also have the incorrect name on the paperwork! I am currently  XXXX    XXXX     XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   in  XXXX , TX. I continued my loan payments but now I am   XXXX   XXXX   and only receive {$400.00} biweekly. I communicated this to management who told me I was in default and up for repossession. I explained again that I am   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . They told me there 's nothing they can do ... which I do n't believe
I took out a loan for  XXXX  but the finance charges are so ridiculously high that I ca n't sustain the payments. I feel these predatory and illegal practices that are designed to trap consumers in never ending debt.
I have disputed a couple of collection account w/gold Key Credit. They have removed XXXX item but are refusing to remove an additional Medical collection account in 2014. I advised them that 1 ) I never received documentation of the bill XXXX ) My family and I receive Medicaid and Food stamps because we are low income. I recently spoke to them advising them I can provide them with my medicaid number and they refused to speak to me futher. This collection on my account has caused signficant damage to my credit anc my chances of enrolling in the 1st time Home Buyer Pram for low income familes. Please help me!
On XX/XX/2018, {$21.00} was charged on my credit card. I was interested in looking for a free credit score and found TransUnion advertising one free credit score. I signed up and gave my credit card info thinking it was for credit score report purposes since there was nothing saying that I would be charged. I was doing all of this on my  phone. I did not realize I was charged until my credit card company ( XXXX ) notified me via text. I immediately searched up why I was being charged and also got an email saying I had purchase a subscription which I clearly didn't. I immediately tried to cancel it. I also called TransUnion who refused to help me saying that I bought a service. I opened a dispute with my credit card company. 

They refused to refund me even though their service was falsely advertised as free. I've since cancelled my subscription but they would not delete my information. As you can see, https : //www.transunion.com/XXXX at the top it offers a free credit score. When I was signing up, there was no page that said I would be charged. I