WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, I hope all is well. On XX/XX/XXXX, while I was still away on business, and eventually en route back late evening from Florida, there were multiple fraudulent transactions which had taken place in the vicinity of XXXX XXXX. 

Upon review of my account on Monday, XX/XX/XXXX, I discovered these transactions, which were still pending at that, and called into to my bank, TD Bank, to ask about further color on these transactions.

While speaking to TD, they disclosed to me that the credit card transactions had taken place on a number linked to my account, which should have been shut down in XXXX. In TD Bank 's words, the account was " closed improperly ''. These transactions on that particular card number should never have taken place. These transactions totaled {$120.00}. 

In addition, there were multiple ATM withdrawals which totaled {$630.00} on that day. In addition, there were 6 inquiries on these atms on my account, with additional charges totaling {$18.00}.

I was also told that " Leadership '' would be calling me within 24-48 hours, as they were going to review the process around closing down that particular credit card number linked to my bank account from mid XXXX. I still have not heard back from " Leadership '', some 5 days later. 

The charges ultimately did not post to my account until XX/XX/XXXX. I was told I have to wait until these charges posted to file a dispute. 

Also, I had called to get the location of the XXXX XXXX transaction, hopeful that I could have it looked into by XXXX XXXX Police. TD Bank had informed me that they were unable to find that information, knowing only that it took place in XXXX XXXX. 

I have also filed a police report, and have shared the police case number with the bank.
Synchrony Bank ( Amazon Credit Account ) closed my account without warning, the only way I found out was because I tried to purchase something and was declined. I asked them why they closed it and they said because a payment was returned. It was returned because of fraud on my bank account but they said a closed account can not be reopened. I have had the Amazon credit account for 7 plus years, great payment history, paid the balance off several times over the 7 years used it all the time and they still closed the account for a payment being returned when it was not my fault. They are by far the worst company to get a credit card through.
Without verifying who they were speaking with they willingly gave out my debt information as well as my social and address,
I already filed a very specific complaint. Experian did nothing.     They sent a proforma reply proving they did not even read the complaint. I have a VERY specific complaint. They said they had no specifics. Here are the specifics, again.     Their  credit score  for me shows : " Open real estate account balances are too high compared to their loan amounts '' This is a quote. It is very specific. Here is my specific reply. I have NO real estate balances!! None. Not a single  XXXX . I have not had any real estate loans since last  XXXX ! It 's  XXXX .     I do not understand why CFPB accepts this kind of reply from Experian. They clearly did not investigate my very specific complaint. They did not even read it to see if there were any specifics.     Very frustrating that credit agencies can operate with complete indifference and impunity and get away with it. They should be fined for this. Thanks.
I have continuously requested for debt validation and verification from this company. They have used tactics that reflect their noncompliance with my request
Transunion has failed to Add the XXXX XXXX XXXX XXXX  Tradeline that I'm an Authorized User on my Parent 's Account. Its already been Added on XXXX & XXXX but you have continuously failed to report. I have contacted the Executive Office & this is my final result before I follow a Lawsuit against the entire XXXX XXXX. I have Attached Copies of my most recent XXXX, & XXXX  Credit Report
Navient stopped sending statements with balances on them, and I could not find one with a balance on the website ... the website showed that my loan was paid off, but I did not believe this to be correct, I had emailed and didnt receive a response so I called and spoke with their representative XXXX on XX/XX/2016 at XXXX and was told the loan was paid off but they could not provide me with any details and said I would get a letter and refund for overpayment in 30-45 days..I then received an email from Navient saying I spoke with someone so I was all set, I had to go to another website to access this email, this website allowed me to access a statement with a balance of {$33.00}. I emailed again that evening to find out what my payoff was and why I was given the wrong information, and have not received a response, this was after they put my loan into deferment without my authorization, and then reduced my payments when I asked to have my loan restored to my previous terms.
XX/XX/XXXX Overdraft Fee for XXXX XXXX ( {$5.00} ) {$36.00} XX/XX/XXXX Overdraft Fee for XXXX ( {$10.00} ) {$36.00} XX/XX/XXXX Extended Overdraft Fee {$36.00} Regarding the XX/XX/XXXX fees assessed. I had a balance of {$10.00}. When I was made aware I had overspent by a XXXX, I transferred a XXXX to the account from a payroll card provided to me by my employer. Due to the normal processing time, the transaction posted prior to my deposit. I reached out to Suntrust to reverse the fee as I would not be receiving a new deposit for a week and they refused. Because of this I was assessed 2 fees. One of which for extended Overdraft on account of the XXXX difference. 

Most recently I had a transaction that settled in the morning preceding my deposit by a few hours. It posted to my account showing a current balance of {$5.00} remaining. However due to pending transactions that had not yet been processed affecting my available balance, Suntrust assessed an Overdraft Fee. I contacted them to reverse this fee and the rep and supervisor I spoke with informed me the fee is assessed based on the available balance not the current balance. I found this to not be sensible but was advised there was nothing more they could do but to cancel my overdraft protection which I authorized them to do. They would not refund the fee however.
On two occasions, within a span of 2-3 days, my credit was used to try and finance a vehicle. I had no knowledge of it and did not authorize these inquiries. I contacted each one of them by phone and they refuse to help me.
I was given a NetSpend card as a gift. This card was purchased on X/X/2017 at XXXX from XXXX in XXXX XXXX, North Carolina. Following the instruction on the packaging, I tried to activate the card online. That process failed and I was directed to call a phone number that was different from the phone number in the instructions on the packaging. The number on the packaging says to call XXXX, the website directed me to call XXXX. Upon call the number prompted from the website, I went through a series of automated prompts to enter the card number, my date of birth and my SSN. Then, I had to wait to speak with someone. This person took more personal information : may address, my phone number. Then she stated that I would need to take a picture of my social security card and my driver license and email it to them, yes, she said take a picture and email it. I challenged this and stated this was a gift card and I do n't take pictures of my SSN or DL and send it to anyone. This seems like a front to steal identities! Ridiculous! My sister gave my XXXX teenagers each a {$50.00} NetSpend card. We cant activate a single one without giving extremely sensitive information either by way of fax or email. They have scammed my sister out of {$150.00} PLUS the fee for each card of {$2.00}. This is an unacceptable practice. This card was purchased at a store, not a bank and not via a bank or credit union website.
Credit cards/store cards were opened in my name and birth date with a social security number that is not mine. These accounts have been reported to  XXXX   XXXX   XXXX  in which are harming my credit. I have disputed these account 8 times and  XXXX  a long with these companies have yet to do the right thing and remove these fraudulent accounts off my credit file.
Collection from XXXX XXXX XXXX for {$210.00}. I do not owe this debt, I have had XXXX. I have disputed this balance and provided proof that I was with XXXX  at the time this balance was incurred.
My XXXX XXXX account has been paid off. How did Equifax verify the accuracy of the listing? It is obvious it was not investigated properly. If it had been, the listing would be reported accurately. It still shows a balance. 
Also, they have been reporting incorrect late payments and other data the entire time it has been listed. They verify the data when I dispute and will not respond to letters requesting method of verification.
I am with a debt consolidation company. Kohls has been made an offer to settle my debt but has not yet accepted. In the interim they have been calling my previous residence occupied by my husband ( separated XXXX at XXXX and midnight.Most recently on Tuesday the XXXX. 
Are they allowed to call this late? My husband and son have been awakened on several occasions and I feel it is bordering on harrasment.
My Citi prepaid card expired ( XXXX XXXX ) as I did not check the date and was saving the same for special day gift. ( balance {$96.00} ) I called the customer service and was told that It its expired and nothing can be done and money is lost too. Feel so bad how Citi can do like this.
On various dates, XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX, and still I keep getting various calls from Navient ( based on my caller id ). They leave no response as to who they are when leaving a voicemail. I have stopped answering their phone calls because of them calling me no less than 5 times a day, or more. I've tried to get my payments lowered numerous times. They keep telling me that there is nothing they can do to lower my payment because of it being a private loan. If I CAN'T make a payment, what am i supposed to do? I don't feel comfortable talking to them, because the last few times I have tried to reach out to them they were short and snide with their remarks.
CMRE. XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CMRE. XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CMRE. XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
My XXXX Credit report states that I have a debt collection that was paid for by my insurance that I had when I was working. I had a XXXX XXXX in XX/XX/XXXX. My insurance paid these claims, and I became homeless in XXXX XXXX until XXXX XXXX. I could no longer pay rent and lost my home. I no longer have the paperwork that provides the proof that this debt was paid, because I was living out of my car. I no longer have any vehicle, I am XXXX and I have no way of providing the proof.
There are some inquires on my report that do not belong to me. I have fully viewed my report and there are XXXX total inquires that I did not authorized. There are listed below and also attached with the exact dates. 

1. XXXX XXXX XXXX, XXXX 2. XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX, XXXX 5. XXXX XXXX XXXX, XXXX 6. XXXX XXXX XXXX XXXX XXXX, XXXX
On XX/XX/XXXX I spoke with XXXX of XXXX XXXX through their online chat session as this was the only available method of communication made available for cancellation of their service. I received a ticket # of XXXX on. I provided them with my phone # and asked for a return phone call which I never received. I followed up the next day XX/XX/XXXX and communicated via email with XXXX XXXX and requested again to confirm cancellation of this service. Per my contract, I had exceeded the terms and the equipment would then be mine. He forwarded me an email with a link that resulted in a " 404 error '' otherwise known as site does not exist. I recently received a letter from Hillcrest Davidson and associates on XX/XX/XXXX yet was post-dated for XX/XX/XXXX!!! and given 30 days to respond. This is completely inappropriate and fraudulent.
cra violation XXXX sent me a letter that said they were going to fix my lates b/c it was their fault not its 60 days destroy my credit
{$98.00} charge for phone use. Leased an apartment, set up utilities, changed apartments in the same complex before moving in. The lessee of the first apartment used my utilities to make calls to another country and I wasnt informed of the purchases. The charge went to collections and I paid the balance to stop effecting my credit. Would like it removed.
I closed a savings account at CitiBank in  XXXX  2017. For the last four months CitiBank has added a {$59.00} charge to this account that I 've closed, I get calls from CitiBank drones telling me I have a negative balance. I called CitiBank to close the account again, and again the same thing happens. I have closed this account four times and CitiBank will not close it. I just got three calls from the CitiBank drones for a negative {$59.00} balance. I want this account closed! It has a   XXXX    balance.
My account is was open and approved for XXXX back in XX/XX/2017, I been making good payments never late and after 6 month they are making decision to close my account. Can you please help me to verified this. Thank you
I have XXXX mortgages with Seterus ; I send XXXX separate checks each month. XXXX of XXXX, seterus posted a payment for loan XXXX to loan XXXX ( both checks attached ). I have continued to send two checks each month for these loans ( see attached invoices ). After numerous calls and speaking to supervisors, I was told they can see the problem and they will fix it and notify the credit bureaus of their mistake. This has NOT happened and I am in the mist of buying a house and need this cleared up. Please HELP.
On XX/XX/XXXX, Fed Loan Servicing posted a payment of {$10000.00} to my student loan account. The envelope containing this check had a second check in the amount of {$4200.00} in addition to a copy of my billing statement. The {$4200.00} check did not post to my account. On XX/XX/XXXX, I called customer service and talked to a supervisor. I  was told that my check was deposited in a holding account because they did not know where it was to be applied. I was told that the money would be applied to my account and would reflect on XX/XX/XXXX. It is now XX/XX/XXXX and the payment still has not posted to my account. This is a large sum that will pay off my loan. I do not know how to get them to apply the payment. A stop payment is not an option as they have already negotiated the check. Please help!
Regarding Chase Freedom Visa Credit Card ... 

I received a notice today that they were increasing my Interest Rate from 12.24 % apr on purchases to 15.99 % apr beginning XX/XX/18. I have the option to reject the interest rate/apr increase, however, I would have to close my account. I think it is unethical to impose more than 3.75 % interest apr in one big leap. I have NEVER missed a payment to them in approx. 20 years. 

Their explanation on the notice stated " We are changing the Annual Percentage Rate ( APRs ) because your APRs are below the lowest APRs we currently offer on similar accounts ''. 

I would like to keep my Chase Freedom Visa Credit Card, however, I am experiencing a hardship and will be unable to afford my monthly credit card payments when this APR is increased. 

It would not be in either my best interest OR Chase Bank 's best interest to loose me as a customer. 

This to me seems unfair business practices. I am currently maxed out with my credit limit with Chase, however, I repeat, in approx. 20 years I have NEVER missed a payment ... ever!
My only alternate solution may be to apply for a hardship program or consider filing for bankruptsy, in which case, Chase would receive no repayment of the credit card debt I owe them. 

In addition to my Freedom Visa with Chase, I also have a Slate Visa with Chase, and of which my payments have NEVER been late.
Loan company is stating I have reached the maximum amount of deferment for my loans, but I do n't remember there being a maximum timeframe listed in the documentation for my loan that I signed when I received the funds.
XXXX Citibank offered a {$400.00} bonus for opening a checking account and funding within 30 days. Citibank reneged on this promise. XXXX I submitted funding request together with account application. Despite the fact that I have been a customer for last 20 odd years, Citibank demanded further proof of address. This delayed their completion of EFT funding to 32 days. Now Citibank is denying payment of promised {$400.00} bonus.
On XXXX/XXXX/2016 Chase Mtg. recived a check for the balance of my loan, payment in full. Chase reported on XXXX/XXXX/2016 to XXXX a credit score firm a closed account with a {$22000.00} balance, the balance is XXXX not the aforementioned. After checking my XXXX report I learned it shows a open account with a {$22000.00} balance. The account was paid in full 9 days ago and Chase 's reporting to the credit firms is not accurate..
On XXXX XXXX and XXXX XXXX, 2015, I accidentally made duplicate payments on my account. The duplicate payment was applied to my Pay Over Time balance. After some difficulty, I was finally able to have XXXX payment reversed. However, the reversed payment was added to my minimum balance due XXXX XXXX, 2015, meaning that the payment was never really reversed ( now I 'm expected to repay the payment by XXXX XXXX ).
The fees associated with Hunnington are very high and not necessary. Since XXXX of 2015 Hunnington made a mistake on double charging debit card holders one weekend. They did fix the fees associated with the account. But since then we have incurred lots of fees that have financially ruined my income and life. In XXXX there were almost {$700.00} in fees, XXXX {$500.00}, and who knows what I am accumilating this month. 
The customer service I am recieving is " there is nothing we can do about this '' they are telling me to watch my account better and use my ledger better that is all. 
I have been lied to from the customer service representives and then still charged fees and the bank refused to correct them. 
XXXX XXXX - I asked if the deposit on the XXXX would cover any negative charges. The customer service advised that I was in 24 hour grace and there would be no fees. So I found out I had XXXX {$37.00} fees the next morning. 
I called and asked them to waive them, they said I am not elgible. I was told to go to the branch and do a " Force Pay '' and went to the branch. Guess what they said they could n't do the " force pay ''. So I was lied too XXXX. in that XXXX instance. 
Other promises and lies are " pay this now so no fees get incurred tomorrow '' So I deposit the balance. Wake up and there are the fees. The same run around after numerous supervisors and chats. " Sorry your not elgible for any more fee reversals ''. 
I have lost upwards of {$1100.00} in fees in 3 months with this bank. They have charged a {$37.00} fee for a {$1.00} transaction. These are irreprehensible and I can not get any solution. The Michigan Attorney General suggested I reach out to Consumer Finacial Protection.
This debt should have been pain by my vision insurance company, XXXX XXXX, and therefore is not mine. After saying numerous time to please speak to them regarding this matter, they continue to call me and harrass me, my parents on their landline phone, and send mail to my parents residency often.
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ACC BAL : {$0.00} This account has is under legal dispute and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ACC BAL : $ XXXXThis account is under dispute, there is no judgment on file. Please delete error. 
3.ACOUNT NAME : XXXX ACC BAL {$710.00} This was never validated please delete. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.
I was unable to make an online payment to my car loan with XXXX XXXX because their system was not working properly despite multiple attempts. See the provided screenshot taken at the time of the incident. Consequently I was marked as a late payment for XX/XX/XXXX.

PLEASE NOTE : The XXXX data are reported one month behind, therefore this inaccuracy is shown as XX/XX/XXXX instead, while the XXXX and TRANSUNION show XX/XX/XXXX.