WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, 2014, my TD Bank business account was compromised and more than {$1000.00} was stolen. This is the sole business account for a small business my husband and I run together, which we use to support our young kids. I discovered the fraud in XXXX, because we were moving houses when it happened. I did my banking with the XXXX. XXXX, NY branch of TD Bank. When I informed them of the fraud, they put me through the wringer with multiple lengthy phone calls and long meetings at the bank, then reimbursed me for the XXXX fraudulent transactions. The representative at the bank was new and not familiar with the protocol, and the managers decided that she should learn by feeling her way through this problem, which was not fair to her or to me. 

I combed through my bank accounts, looking for other instances of fraud, with no help from TD Bank. They could not provide even the most basic information about transactions, leaving me to do my own forensic accounting for hours. I discovered more instances of fraud, but the manager told me that I would not be reimbursed for anything over 90 days old. I asked for better fraud protection, such as a text alert for any transactions over a certain dollar amount. The representative told me they did not provide that and would not be doing it in the future. They repeatedly said " It 's your responsibility to review your statements. " TD Bank is making it harder for consumers to detect and prevent fraud, then they are refusing to reimburse for older transactions. Making this difficult for the consumer is beneficial for them financially. They are making money off of their unsecure banking. 

I would like to be reimbursed for the {$400.00} charge I found that is more than 90 days old, and I would like to be reimbursed for the XXXX overdraft fee that was caused by the fraud. Equally important, I 'd like TD Bank to change their policies : 1 ) Fraud is fraud, no matter when it happened, and 2 ) they need to make it easier for customers to monitor their accounts by allowing customers to set up text alerts. 

Thank you, XXXX XXXX
I have requested that my report be updated and delete what can be deleted. 4th request.

They are terrible company. Early warning they fix nothing.
I am a victim of identity theft. The following accounts and credit inquiry listed on my Trans Union, XXXX   and XXXX  credit report is fraudulent, unauthorized and not my accounts or credit inquiry : XXXX XXXX XXXX XXXX # : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX credit inquiry : XX/XX/XXXX. I have never lived at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX, ND XXXX
I opened an account with XXXX in XXXX, 2016. They, in turn used XXXX. I kept the product that I purchased with XXXX for about 3 days. XXXX called me multiple times to insist that I pay them. I explained that I returned the product before a payment was ever due, and that I did not owe for something that I did not have. I mailed them copies of the receipt showing that I returned the product, and they insisted I write a statement, and get it notarized along with sending it via registered letter. I explained that I would not do this because I did not owe anything, and I had spent over an hour for two different three-way calls with XXXX and XXXX proving that I did n't owe anything. XXXX proceeded to report me missing a payment to credit agency ( ies ). This delinquent payment is showing on my report. The derogatory status was updated to current status, but that does n't reflect properly that it should have never been reported as delinquent at all. Please help me to remove this from my credit history. I have worked hard to correct the irresponsibility of my past, and I do not want this to lower my credit score, as it already has by several points. Thank you.
" " '' I have disputed this charge off on this CITY OF XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Since XX/XX/2017, I told my auto loan company that I have had some medical problems and was not able to work anymore. I kept getting repeated phone calls. I have requested for lower payments also forgiveness for at least a year until I could get back to work. I would get constant calls from a dept collector asking for the full amount of money. No matter how many time I asked to talk to their manager to see what other options I have, I never received a call or any type of letter in the mail. The only letter I received in the mail was from debt collector asking for full payment. They also said in the letter that there would be judgments out against me if I dont send them the full payment of {$11000.00}. 
Like I said I have tried multiple times to talk to management to find out what other options I had. 

XXXX XXXX , XXXX  was involved along with XXXX XXXX XXXX  XXXX.
Bank of America offered a business checking account promotion with the offer code XXXX to me via email. I opened a business checking account XXXX XXXX XXXX XXXX ) in branch on XXXX XXXX and met the terms of the offer ( spend {$2000.00} within 60 days on a business credit card ). The terms say the cash bonus of {$1000.00} would be paid within 90 days of meeting the terms. 120 days after meeting the terms, no bonus was received. When I called to inquire I was told that no offer code was attached to my account and I would not be getting a bonus. I 've called BofA many times and keep getting the runaround. I logged cases XXXX latest XXXX being XXXX XXXX but they keep stalling and sending me nowhere.
Chase/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX Chase reported the account as Charged Off and reported to the account C/O on XX/XX/XXXX. 
XX/XX/XXXXChased sold the debit to XXXX XXXX XXXX that clearly sated in their letter to no longer communicate with Chase. 
Chase continued to report the account as C/O thru XX/XX/XXXX 
Chase no longer sent any form of communication. They never once confirmed or attempted to collect the debit because they had sold it off to the credit collectors.
Chase claims that they did not sell of my debit. This is false as they willing supplied information to the debit collectors.
Chase falsely reported to the credit reporting agencies that I still had a debit and that I was still in charge off status.
Chase at their own admission clams that they reported this debit but that there was no way for me to pay the debit and stop the charge off reporting. 
Chase continued to report to the credit agencies that their was a balance due even though they no longer held the debit. The debit was sold numerous times over the course of the next four years. 
I have contact and reported this to Chase numerous times with no logical resolve. 
This reporting has destroyed my credit and has preventing me from moving forward in life. My report to this day appears as if I charged off the account on XX/XX/XXXX when in fact the account was charged off on XX/XX/XXXX
Here are the dates when I mailed out letters asking them to fix the errors XX/XX/XXXX, 1XX/XX/XXXX and XX/XX/XXXX and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any  and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Lower price for a item ( XXXX XXXX {$370.00} XX/XX/2018 ) bought from XXXX site ( Price {$470.00} XX/XX/2018 ) was found for a lower price in the store itself. The request for lower price protection was denied stating unable to verify price stating valid lower price can only be an online ad or store catalog. XXXX store does not have all items it carries in a catalog. I found the lower price on the store item display took a photo of the item and the store price tag for the item. The was submitted as evidence of lower price and denied by the company.
This account was disputed and deleted off of my XXXX report on XXXX XXXX as a result of not being verified as my debt. It was also disputed on XX/XX/2018 on XXXX and was deleted XX/XX/2018 on XXXX  as a result of not being my debt. The account balance of the debt is {$990.00}
On XXXX XXXX, 2016 I sent a letter to Account Resolution Services asking for this company to verify the debt that is said I owe {$1200.00}. I received a letter stating that the balance was confirmed, but I received no validation requested. I have already contacted all XXXX credit bureaus concerning this issue.. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Requests made to this company were to : Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Account Resolution Services failed to comply.
XXXX from Integrated XXXX keeps leaving voice mails on my home, work as well as main work lines. With some nonsense about needing a statement and failure tomprovide will result in " expedited verification of employment ... -and liquid assets - and prosecuted to the full extent of the law ''. The voice mail is ended I 'm " you have been warned ''. This needs to stop! It is invasion of privacy for receptionist to have this information as well as to have several calls daily. This bogus company needs to shut down their XXXX collections practices. I have no idea what it is for. I have nothing in writing. I have asked them to stop all calls to my job and my phone, family and ex members I do not even know. I 've asked that they send everything they have through the mail as I have nothing from this company and will not deal will such behavior over the phone.
Back in XX/XX/XXXX a checking account was opened in my name with Bank of America I called on XX/XX/XXXX to Bank of America to Fraud department letting know this was not opened by me they sent me the claims letter to fill out mind you I alerted them. They marked my account as if I did the fraud what is that I reported to them so unable to open account anywhere.Sent all the information that was need as the account was open online with No ID or Signature over the internet. Never heard anything called 10 times no response always get customer service agents they never can put you through the claims person and the claims person doesn't call you back. Finally I get irate because this is stopping me from getting home loan, personal loan lines of credit really hurting financially and stopping me from enjoying getting home making the process horrible stressful and exhausting. I had fax confirmation on sending my information bank of America said they never received and still again could never speak with the fraud claims person no name nothing. Now XX/XX/XXXXThey finally receive the proof they asked for provided police report and documentation showing never lived at the address that s on the account. I still not heard anything and called numerous times with no luck can please help get this taken off since bank of America continues to hurt my credit and this so wrong and unprofessional. I need my life back and the privilege to bank account. thank you
We are hoping that you can help us. If not, perhaps you can direct us to the appropriate person ( s ) or authorities to contact. 

As described in greater detail in the attached correspondence ( representing a portion of the entire correspondence ), on XX/XX/XXXX, we purchased a large-screen TV and related items for more than {$3000.00} pursuant to Best Buy 's interest free offer. We made all required minimum payments on a timely basis, but XXXX, the bank initially administering the credit card, incorrectly applied our payments and charged a ridiculous ( in excess of {$1000.00} ) finance charge. They ultimately admitted their mistake, but improperly corrected it, leaving a finance charge balance of approximately {$70.00}. 

After months of additional correspondence, they agreed to properly correct and eliminate all finance charges. Unfortunately, they never made the correction and the credit card administration was subsequently transferred to Citibank. We spoke with Citibank ( numerous times ) and shortly before the conclusion of the 3-year interest free period, on XX/XX/XXXX, we paid the entire correct remaining balance due to Best Buy. We also sent to Citibank, on many occasions, a schedule of all our timely payments, evidencing our payment in full of this account. 

Citibank chose to ignore our correspondence and evidence of timely payments and imposed a finance charge of {$2400.00} on the, according to their records, {$70.00} balance. We again called and wrote to no avail. Ultimately we spoke with Citibank officials who made various excuses ranging from needing cancelled checks - we made all payments via electronic transfer from Citibank to Citibank - to having no obligation to analyze any information from before Citibank began administering the account. 

I finally requested that they just sue us so that we could have our day in court and prove our payment in full. The unbelievable response was " that is not how Citibank operates. '' Instead, Citi will harass us and ruin our credit rating, regardless of whether we owe any amount. They are excellent at harassment. A computer calls our home phone many ( XXXX or more ) times every day, from before XXXX XXXX until after XXXX XXXX, weekday, weekend and holidays. They refuse to stop harassing, refuse to review the account and related correspondence and insist this is how they operate until they are paid what they erroneously think we owe them in full. 

As indicated up front, please help and/or direct us to the proper authorities. 

Thank you.
i called the creat report angncey and they sepoted it and i got my creat report back it says it stayes on there
Chase Bank insisted that I got an emailed statement for payment due on my XXXX bill, but I did not. I only got an email notification that my bill would be due in 10 days. 
I double checked my " preferences '' on the Chase website and I had not opted out of receiving my statement via email, so there is no chance the statement got lost in " snail mail ''. 
I closed my account which will affect my credit score because I do not believe they were being honest with me in regard to the emailed statement. 
I do n't think my credit score should be affected because I do n't trust a company to produce proper documents so I can pay my bill on time. 
I use a web browser that allows me to go back in time EVEN IF I had inadvertently put an email in the trash. There is no indication that that happened.
I switched cell phone carriers from XXXX to XXXX. XXXX promised to pay off my XXXX cell phone bill, but they never paid the remaining amount, leaving an {$1100.00} balance on my credit file. I paid it down to {$200.00} because XXXX said they would delete it from my credit file, but they never did. Not only was I not responsible for the full amount, I paid it and still it remains on my credit. XXXX said they sent a XXXX XXXX with the balance but it got lost, and they said there is no way they will re send it. I was scammed.
This has been an ongoing issue. I had a Bank of the West checking account around the years of XXXX. I moved out of the area and had closed the account. Around XXXX/XXXX/2012 I received a call that I had an outstanding debt to Bank of the West in the amount of {$390.00}. The collection agency was " XXXX '' out of XXXX XXXX, CA. Upon receiving their call I immediately called Bank of the West ( which I am sure was a recorded phone call ) I talked to several people there assuring me that I did not owe Bank of the West any money and that my account was closed in good standing. Interestingly enough after that day I did not receive any further collection calls regarding the issue. However I check my credit reports today and it is still showing up damaging my score. This was not ever a debt, I do not know how it showed up there. I have tried to contact the collection agency several times and they can never find my information, almost like it never existed, but sure enough there is sits on my report. I would like this information removed from my credit reports.
My husband XXXX XXXX suddenly. I fell 3 months behind and I requested that Wells Fargo please allow a modification of put the 3 months I was behind on the existing loan. They did not. Instead they put me into a new loan before I knew it and my payments were several hundred dollars more a month than before. And now they send me paperwork saying it explains what happened after the fact but this explains nothing. They took advantage of me after my husband XXXX. And I need HELP!!!!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, American Express, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Subject : American Express XXXX cash Everyday Account Ending in XXXX - XXXX XXXX XXXX - Customer Service Experience Credit Limit Reallocation I requested to XXXX {$1000.00} Credit Line reallocation from XXXX XXXX Credit card account Ending in XXXX to American Express XXXX cash Everyday Account Ending in XXXX. My request denied due to Recently reduced credit line XXXX Cash Everyday Account Ending in XXXX ( Letter Attached dated on XXXX XXXX ) But my credit Line was restored based on payments. XXXX XXXX attached dated on XXXX XXXX XXXX Customer Service Experience I called XXXX XXXX XXXX PCT XXXX answered name called XXXX XXXX Balance Transfer Department ) treated me so unprofessional. Please review my call and verify how about customer service. I am customer since XXXX and he never treated me as a valued customer. I asked him to transfer my called to supervisor and his answer was we dont have a supervisor and he can not transfer to supervisor and dial XXXX. I dialed that number and requested transfer to supervisor .XXXX.XXXX ( Balance XXXX Department XXXX answered my call and he also not help me out my concern and he asked me to call Customer XXXX XXXX Department XXXX and request the REMOVE REDUCTION TAG on my account. XXXX XXXX also treated me very mean high tone. I dialed that number and I told what happened and they transferred me customer service department again. I have to explain each time when I dial your customer service department. I spend more than XXXX hour to talk some XXXX help me out for my reallocation request and no ones help me out. 
Why I have to called Customer responsible landing department to request remove Reduction tag on my account? 
Today I am so very disappointed way your bank treated me. Please make sure it wont happens future customer. 
If you want more information call me XXXX Thank you. 
XXXX XXXX
Our mortgage company incorrectly read a bill from our Home Owner 's Insurance Policy prior to closing. They " thought '' it was paid but never called either us as the borrowers or the insurance company to confirm that there was a zero balance. They never asked for confirmation of the payment. They then wrote our contract to reflect that the insurance was paid prior to closing and did not collect the premium during closing. It was never explained to us that this was happening. We were unaware until after closing when our Insurance company started sending us letters letting us know that this was not paid there was an issue. We called the mortgage company to see why it was n't paid and it was at that time ( almost a month later ) that we were advised of this. They refuse to adjust our escrow so that we can pay the insurance monthly, tried to make us take force insurance which is 4 times higher then our XXXX XXXX policy, and refuse to admit their error or assist us in any way. They were sent multiple bills from the insurance company that they did not follow up on and from the beginning we were advised that they would be taking all insurance and taxes out of escrow.
Wells Fargo led me to believe that I was approved for a loan and good to close on XXXX XXXX 2017. I requested numerous times for over 4-6 weeks that they look at my application and provide me a written approval. None was provided. I was given a verbal every time and " pre-approval ''. I gave them my closing date, they were aware of it. And on XX/XX/XXXX at XXXX, 1 business day before my closing date for my future home, they denied me the loan. I had provided them EVERY piece of information in a timely manner that they had requested as part of the application process. I was not given a reason for denial. I was simply denied. This was tremendously unfair and deceptive to lead me on till ONE day before I am due to close and tell me that I should explore other options. I have to move out of my current house on the XX/XX/XXXX. That leaves me 3 days to figure out how I am supposed to get a mortgage for the new home. This was unprofessional. They are not open in communications. The lender did not communicate directly with me ever! I would like to understand what the basis of denial was. I would like the lender to give me a call or meet face to face and show me the customer respect that I deserve, not hide behind a text message or an email.