WillisBack/dataset-financial-user-claim huggingface dataset:
Issues : 1. Fraudulent equipment/Fraudulent warranty sold by XXXX/XXXX  using XXXX XXXX as XXXX XXXX XXXX. 

2. Bad faith treatment by Capital one in handling of Fraud charge. 



TIMELINE : XX/XX/2018 Purchased 2 XXXX XXXX computer servers from XXXX for {$3100.00}. 
Paid an extra {$200.00} itemized XXXX  processing fee for the fraud protection the credit card afforded me. Received no invoice or receipt from Merchant, they gave me a tracking number via the website. 

XX/XX/2018 - Received 2 - unmarked servers with no visual markings that they were what I had ordered. ( see photo XXXX. ) They worked at the time so I didnt make an issue of it. 

XX/XX/2018 - Machines shut down suddenly. After rebooting them, they overheat ( 100+ Celsius ), which is dangerous, previously they ran around 80 Celsius. I contacted XXXX/XXXX and received no response. 

XX/XX/2018 - Tried reaching XXXX/XXXX to no success. Upon closer inspection of the units it is discovered that the processing chips are actually old Bitmain ( a competitors ) XXXX cards. So the units that we bought not only dont work, they were stolen from a competitor and purported to be original. 

XX/XX/2018 - Finally received word back from XXXX/XXXX. They claim that they have no record of a purchase by me and therefore will not honor the warranty. Furthermore they claim that they never accepted credit cards. Since they were clearly misrepresenting themselves with my purchase and a trail of Credit Card details on their XXXX page, I filed a dispute with Capital One. 

XXXX - Capital one begins dispute process and removes charge from card. 

XX/XX/2018 - Capital one denies charge, fails to acknowledge fraud claim and misrepresentation by the merchant, supplies an illegible processing form from XXXX. They also claim that they spoke to the merchant, which they in fact did not. They only spoke to the intermediary bank. They ask for follow up documentation which I provide. 


XX/XX/2018 - Capital one denies the claim, doesnt acknowledge fraud and misleading representation by the merchant. They ignore the black and white fraud that the merchant is committing. 


At this point Capital One is acting in bad faith. They havent contacted the merchant, yet have said that they have done so, but in black in white there is no response from the merchant, only the banking intermediary. 

XX/XX/2018 - I submitted the case to the CFPB in hopes that they can get this issue resolved.
I was referred to him. In mid XX/XX/2016, we meet with him to see whether or he could help us. He proceeded to inform us that he could help but will be tricky due to the gifting in the contract and that a lot of realitor 's could not help us. I have never bought a house so I assumed that he was being honest. From word of mouth, including gifting in a house loan is extremely difficult. So we decided to go this way and started the paperwork. We got all of the paperwork together that he asked for.. Pay stubs, checking account info, Taxes and a Power of Attorney from the Bank. So papers were drawn up. We go and sign roughly 2 weeks later. Then he proceeds to tell me that he missed some stuff and that we need to come back to sign more papers. So we do this 2 / 3 times. So I need to leave work a little early to do this. I explained to him that this is costing a lot of money in gas and that I have to keep leaving work early due to traffic. After the third time of going down to sign papers, I told him my son was leaving and we needed to ensure that we have all the paperwork in line. He stated we did. Then came again for the fourth time and stated that we needed more info and still needed to sign more papers. Then he had stated to us that he had lost the papers due to carrying then in a backpack from changing offices again for the second / third time. So I took a couple days off work and we drove to we drove to California. We got the papers signed. Drove back. Got in touch with him and dropped off the papers. After doing all that and meeting with him on countless times. After 3 weeks goes by, he stated that due to the time frame on the loan, it took to long. And that we needed all new info again. I reminded him on how that I asked him to ensure that we had everything together the first time and he said we did. He apologize and stated how he not organized due to moving offices and losing papers.I explained and expressed very hard, telling him I 'm gon na have one shot at this due to different reasons. I explained the reason to him as well. So I got what he asked for and got the papers signed that he wanted signed. Got them all back to him. After 2 or 3 weeks goes by. He proceeds to tell me that he needed more info and that we may need this years taxes as well. I asked why on the taxes. Again because of the time frame. So after 3 months of losing papers. acciddently shredding papers or needed to resign the same thing and being extremely lost and frustrated. Of being told the process took to long while waiting on him.Towards the end of XX/XX/XXXX was the last time I spoke with him and told him that I 'm not using him. I did not realize that it took 3 months of paper work and still not done according to him. Then in XX/XX/XXXX, he CHARGED A XXXX Cost to my credit card for a home appraisal. We only got a text stating the amount of XXXX is what the home is worth. We never got our appraisal.
i found aTDBANK gift card debit that expired and ca n't get aresponse from the bank as to its value at the present time
Regarding Wells Fargo, XXXX XXXX credit card number XXXX that is apparently 8 days late. According to Wells Fargo I missed the last payment of {$46.00} due on XXXX/XXXX/XXXX. Payment history is XXXX/XXXX/XXXX - {$50.00}. XXXX - {$100.00}. XXXX/XXXX/XXXX - {$100.00}. XXXX/XXXX/XXXX - {$92.00}. The XXXX XXXX payment according to my records was the last payment due to Wells Fargo. 

On Sunday, XXXX/XXXX/XXXX while eating dinner with my family I received a call from Wells Fargo representative XXXX ( ID # XXXX ) attempting to collect the debt of {$46.00}. To my astonishment I quick signed into my online banking portal to assess why this past payment was not made. After explaining to XXXX that according to my records all payments were made ands the debt was satisfied he declined to waive {$240.00} in penalty interest. I requested to speak with a supervisor, XXXX ( ID # XXXX ) who also failed to make any exceptions to the penalty interest. 

After learning the last payment of {$46.00} was accidentally not sent, I immediately triggered a payment to be sent on XXXX/XXXX/XXXX however this was not satisfactory to XXXX or XXXX. This is the fleecing of America. 

Respectfully requesting regulatory support to identify a genuine honest mistake for the relief of {$240.00} in penalty interest. 

This is simply not fair. Anyone with common sense will see that this was a genuine mistake.
I am filing a complaint against Residential Credit Solutions , Inc. ( RCS ) for three actions related to my loan. First and foremost RCS withheld {$630.00} of my money that I had paid into my escrow account when they transferred my loan to a new servicing company ( XXXX XXXX XXXX XXXX XXXX, hereafter XXXX ). Second, after RCS sent me a transfer letter and XXXX sent me a statement for my XXXX payment, RCS sent me a XXXX mortgage statement. Thus, I am being billed twice in one month by XXXX companies for the same mortgage. Third, RCS instituted an improper increase in my escrow payment that occurred in XXXX, 2015. I have provided detailed supporting evidence in attachments.
On or around XX/XX/XXXX, before my travel, I contacted American Express ( AE ) and informed them about my travel. From XX/XX/XXXX, thru XX/XX/XXXX, we made several calls to AE to discuss credit card account ending : XXXX. However, none of the AE representatives ever asked for any financial documentation, they asked income related questions but never asked to provide any documentation, On XX/XX/XXXX, while I was in XXXX I received an email from AE asking for financial documents ; I was given 14 days to provide these unspecified documents. It is my understanding that per Credit CARD Act of XX/XX/XXXX, a creditor shall provide a written notice not later than 45 days before any significant change. I tried to send a reply, but the email was returned undelivered. So I went online to have a chat session with XXXX, an AE online account specialist. XXXX put a note on the account about me being in XXXX and to provide needed documents on my return on or about XX/XX/XXXX. 
On XX/XX/XXXX, AE cancelled my account. Here are my arguments : I used AE card before my departure for a higher amount and paid the account in full and kept my account current and in good standing. I have other credit card accounts with AE none of them ever became past due or were late in payment. 
I notified AE at least two weeks before my travel XX/XX/XXXX, if any documents were needed why AE did not ask at that time. 
XX/XX/XXXX AE blocked further transactions on my account without any notice. 
I chat with XXXX on XX/XX/XXXX, and he put a note on my account. XXXX did not inform me that XX/XX/XXXX, is too late, and AE would cancel this account. 
On XX/XX/XXXX, I paid my AE account number ending : XXXX in full. I paid {$5300.00} and kept this account current and in good standing. 
On XX/XX/XXXX, while I was on a travel trip in XXXX, I was robbed XXXX. After the robbery incident, I notified American Express ( AE ) about this unfortunate incident. 
After coming back to USA on XX/XX/XXXX, I filed a claim with American Express ( AE ) and on XX/XX/XXXX I received a letter from AE, denying my claim. The above reference Purchase Protection claim XXXX # XXXX ) was denied by AMEX XXXX XXXX. 
As of this day I have not received any written notice and given no reason for the cancellation of this account. AE violated their purchase protection policies, prejudice my claim and closed our current and good standing account so they can ignore this claim.
I have received communication f rom Team Recovery Inc r egarding multiple medical bills ( see attached documents ) that they are trying to collect on behalf of  XXXX   XXXX   XXXX   XXXX . I requested validation of debt and received letter of verification of debt. Upon further review of documents. I noticed my insurance company was not billed  for some of the services provided. PHI is also listed on documents that I received which is a violation of the HIPAA laws. I have requested for these accounts to be deleted for inaccurate and unfair reporting. While some accounts have been deleted from   XXXX   and  XXXX . They have refused to delete accounts from  XXXX . This inaccurate reporting has severely damaged my credit rating.
I have a car loan  w Fith Third  Bank. I have had a bankruptcy and thru it all i have never missed a payment. I am current in all payments, yet they call my home 5 times a day on weekends and holidays!!!!
In XXXX 2017, a credit card was fraudulently applied for under my name. American express took my existing credit line from my blue American Express card, and partially transferred over to the fraud account. I contacted American Express, which they immediately closed out the fraudulent card but never returned back my credit line to my existing account. I have called American Express over 10 times, and have been on the phone for over 9 hours, without a resolution. No one knows which department can help and I have been given false promises.
I recently acquired a XXXX loan from castle pay and they said my first payment would be nothing but interest, I 'm ok with that but nowhere did it say that I would end up paying over XXXX for a XXXX loan. The truth and lending statement was not presented to me until after everything was done and I went looking to see how many payments I would have to make. A years worth every other week. That 's. A lot. I would appreciate if someone would investigate this. They are deceiving people. Wish I would have done more investigating before I took out this loan. Learned my lesson
In speaking with the RUDE US Special Handling Supervisor XXXX XXXX regarding the re-insertion of the fraudulent inquiries and the incorrect information provided to me on how this issue will be resolved including the Supervisor XXXX XXXX engaging in a debate with me and essentially hanging up I decided to escalate this issue. Consumers should never be treated with such DISRESPECT especially from someone in a position such as a Supervisor. 

On XXXX XXXX, 2017, I discovered XXXX inquiries were removed and re-inserted into my credit file but XXXX out of the XXXX inquiries re-inserted were FRAUDULENT ( documents on file ). TransUnion is aware of the glitch and has failed to notify me within five ( 5 ) days of re-insertion. TransUnion is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete all XXXX inquiries immediately.
On XX/XX/XXXX I was the victim of a scam. I called the XXXX XXXX   Mastercard immediately and told them what happened, to not approve the charge and to cancel my credit card. Although I did not approve the charge I was billed {$290.00} on my XXXX XXXX Mastercard. I spoke with someone at the Fraud department who told me the charge would be taken care of and I would be sent a new card. Since then I have spoken to numerous people from the fraud and billing department. Each time I am told it will be taken care of. In XXXX I was told I would have to wait to sign an affidavit before I could get credit. I waited for this letter for three weeks. When I called a third time asking about the letter I was told there was no letter and someone would take care of it. Finally, on XX/XX/XXXX I spoke with someone from the Fraud department who said she would have it off my account in three business days. I waited and called back on XX/XX/XXXX inquiring about why the charge remained on my account. I spoke with a gentleman who told me he was not sure but believed it would take seven business days. Now, it is XX/XX/XXXX and the charge still remains on my account. I am tired and frustrated of calling this credit card company and nothing is getting done. I have never dealt with such an incompetent company before. I would not recommend XXXX XXXX Mastercard.
Recently applied for auto loan for new car. When my credit was ran the report stated that I was 60 days delinquent on my child support to XXXX County and that I have serious delinquencies. None of which was on my credit history when I received a auto loan last year credit score also was effected by there action. When contacted agency stated because of being late with my support payment which was late because of going thru the courts XX/XX/XXXX and XX/XX/2011.
Part of my home was damaged by a tornado XXXX XXXX, 2015. My insurance company was quick to give me a fair settlement. The money went to PNC Bank for them to hold as the mortgage company. 
PNC Mortgage makes me beg for week after week to be reimbursed for repairs I have sent them cancelled checks for. 

PNC Mortgage refuses to reimburse me on a timely manner, I have to pay for everything out of my pocket, then wait for them to pay me, ,which has caused great financial harm to me, along with the stress of dealing with them.
I needed to file a claim for a travel benefit. First, my credit card company advised me to pay the car rental company for repairs. Then they denied my claim. Then they told me that they do n't really provide insurance, and that the benefit was advertised to attract new customers.
Says I opened an acct in 2015 and owe {$1100.00}. This company is not licensed to collect or contact about any type of debt in the State of Indiana. I want this removed from my credit reports.
What happened? 

I bought a car on XXXX XXXX and gave permission for XXXX finance to pull my credit. Not only did XXXX credit pull my score, but 5 other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pullsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I contacted XXXX twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. Please help me to fix this problem. XXXX XXXX
I have instructed my Bank ( HSBC ) on XXXX XXXX, to do a wire transfer amounting to XXXX XXXX. 
to my bank account in XXXX. The conversion rate taken is USD XXXX = XXXX. 
However as per the attached sheet the rate of USD XXXX = XXXX ( the same day ) I understand that the bank take a % but it is too much. I would like the bank to reduce the %.
I opened a Chase credit card XX/XX/XXXX with the promise of XXXX SW points. I was recently informed that my remaing XXXX points expired XX/XX/XXXX because I did not have any points earning activity in the past 24 months. However, I do not believe this should have occurred. All of my points came from my Chase credit card and I went back to the terms and conditions of this card. Here is what I was promised in those terms : TERMS AND CONDITIONS : Points do n't expire as long as you have flight or Partner earning activity every 24 months. No Blackout Dates and Unlimited Reward Seats apply to flights booked with points. I had a flight on XX/XX/XXXX. Therefore, I met the first par of the " either or '' requirement to prevent expiration of points. Southwest told me that I needed to have a flight that I paid for with cash, and since I used points to purchase my flight, it did n't count. The credit card terms and conditions do not specify that the flight could not be purchased with points, it merely states that I needed to have a flight. For this reason, my points should not have expired. I would like for Chase to reinstate all of the remaining points ( XXXX ) earned from the credit card as I met the terms of their agreement. If the terms require a southwest flight purchased without points, the Terms and Conditions should specify that. *I attached a copy of the email sent to me by Chase that confirms my points would not expire so long as I had a flight in the past 24 months.
I was contacted  by Vance & Huffman abou t a year ago about I debt I owed to a company name  XXXX   XXXX   XXXX  to Own. I told the representative on the line that the debt was n't mine because I have never lease anything from this company. I asked the representative when did the debt occur, what date, what was the product, and what address was the product delivered to. He had no answers. After calling a few more time the call from the collection agency ceased. On  XXXX   XXXX ,    2017, Vance & Huffman  attached this collection to my credit report despite me denying I owe this debt. I have received absolutely no communication via mail. Not even an account number so I can request a letter of validation.
PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENT, I WAS XXXX  TO XXXX BACK THEN AND MY PARENTS MADE A MISTAKE AND ONLY ONE PAYMENT WAS NOT SENT ONETIME.
I TRIED TO CALL THE MTG CO. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE.
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARK FROM MY CREDIT REPORT I NEED TO REFINANCE THIS HOUSE.
MY RECORD IS SPOTLESS EXCEPT THAT TINY TIME WHICH I WAS NOT AROUND.
APPRECITAED
OKAY ... ... .. IN A nut shell ... ... .. Sun Trust bank STOLE MY CAR. They basically stole my car because of 3.5 months of late payments. Seriously ....?? First of all, I can literally afford to pay it - the monthly payments AND THE late balances that I owe. Okay, so what I was late!! There was a ( honestly ) hiccup in my finances - nothing serious. They do n't know this and they do n't care. I do!!! I needed my car and I can afford it - the monthly payments. I 'm seriously angry that they stole a well maintained, clean, driven very little over three years and with three years of remaining payments. SO .... I 'm some how good for three years of payments BUT some how I ( I have a financial hiccup ) and I 'm not good for the next three years ... ...??? How does that makes ANY sense?? Is these people for real ... ..? SO ... XXXX you ( Sun Trust bank ) you are going to STEAL MY CAR that is half way paid for because of some ( XXXX ) late payments and leave me high and dry to the point I ca n't check on the properties that I own and land that I own and conduct my other personal and financial business. 
This is PURE EVIL!!!! Only the DEVIL would do something like that!!! See, I have to work out of state. I was not home for a month and a half. I have been late before with them BUT THEY NEVER done the things that they have done that have lead to them STEALING MY CAR. When I got home, there was a bunch of letters from them and my car was STOLEN out of my driveway like I was a bum!!!!! 
The insurance and the property taxes were paid for for that car. How do they just steal it from me like that. I CAN afford to pay for this car - late or not late!!!!! How does a criminalized bank steal a {$30000.00} car for three late payments ...? I truly believe that there was a more humane, civil, professional, efficient way of dealing with this situation before they STOLE MY CAR. IN THE REAL WORLD, they have invented BOOTS to put on my car ( until I make up to date payments ). I would have RESPECTED that more than anything else. I really do n't understand the balance and gravity of the situation. My only obligation to them was on XXXX 2018 -- - when the LAST payment is due. 
They should have sent representatives of the company to my house -- instead of people to verify my address -- to discuss the situation instead of snatching and grabbing people 's property and lives/livihoods. Only XXXX would do something like that -- What Sun Trust bank did to me!!!!! 
But the worst criminal aspect of this whole situation is that my home is left vulnerable to criminals because of Sun Trust bank 's criminal behavior and actions while I 'm at work in another state. Now that is PURE EVIL!!!! Crimminals ( day or night ones ) will think I 'm NEVER home. Now what ... ... ... ... ..???? 
See, what they fail to understand that if I was like them AND I could n't afford to pay my car - which I work VERY HARD for - I would have taken the car with me so they would not be able to STEAL my car from me!!! People who have EVERY intention to pay for the car in its entireity pay their insurance and the property taxes on the car -- - and maintain they car in excellent condition.
I went into XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX to get a personal loan, and was approved. Over the remainder of the year, I have been making payment bi-weekly that are taken directly out of my bank account. They are charging me 279% interest rate, which is making it impossible to get this loan paid off. No to mention the fact that this is putting a huge financial strain on my family.

I have contacted them numerous times, asking what I can do to get this loan paid off and they continue to tell me I would need to make additional payments.
XXXX XXXX, 2017 transunion has my credit account as closed the account is opened XXXX 2017 Disputed transunion verified as accurate XXXX 2017 Disputed transunion verified as accurate
Lender rejected appraisal report prepared by licensed appraiser contracted and paid for by XXXX XXXX XXXX recommended by the same lender.