WillisBack/dataset-financial-user-claim huggingface dataset:
I was charged an unrecognizable amount of {$320.00} on XX/XX/18 by an unrecognizable merchant. ( XXXX XXXX   ). I than cancelled the card and it went in as a fraudulent charge and was credited back to my account on XX/XX/18. Afterwards I realized who the merchant was and was charged the correct amount of {$210.00} on XX/XX/18 by recognizable merchant XXXX XXXX. Than for some reason the charge of {$320.00} went through on XX/XX/18 which I thought was permanently credited to my account but come to find out was only temporarily removed from my account. The credit card company ( CITI-VISA ) states they cant dispute this charge since it was filed as fraudulent and since Ive since used this merchant it can no longer be considered a wrong charge and cant be disputed. But it is a wrong charge. Credit card company suggests I work it out with the merchant which I have been trying to do since the beginning of XX/XX/XXXX. I have been wrongly charged twice for one procedure. Any help in resolving this issue will be greatly appreciated.
Credit report IS NOT REFLECTING THE DATE OF LAST ACTIVITY CORRECTLY date OF LAST CONTACT WITH CREDITOR WAS END OF XXXX BEGINNING OF XXXX
Since I received my current home phone number 12 years ago, I have received periodic calls seeking a previous owner of the number who owes a debt. Most recently, I have received automated calls ( no human on the line ) for months from Van Ru Credit Corporation seeking this other person.
In the fall of XXXX I purchased a laptop computer on XXXX. I wished to finance the purchase so I completed a credit card application offered from Synchrony Bank exclusive to the site. However, upon completion of the application, I was not issued a high enough credit line to purchase the computer and the purchase failed. I then paid with a separate card in full and the product was shipped to me. Regardless of using my other card to purchase the product, Synchrony Bank still issued the card and then charged a {$150.00} to that card for no reason that I could discern. I did not authorize the charge and the card was never used by me subsequently. Sychrony Bank then proceeded to issue statements with that amount charged to me and began charging interest on it when I did not pay. Not only was the purpose of opening the card frustrated by the low credit line issued to me, Sychrony Bank then fraudulently charged the card without my authorization. After non-payment on my end, Sychrony Bank has no sold my account to a debt collection agency for non-payment with a balance of {$380.00} ( up from the initial fraudulent charge of {$150.00} ). I  have filed a fraud claim with the collection agency, but I am worried that this debt will be re-sold to others and will negatively affect my credit score for years to come.
US bancorp Opened my business credit cards incorrectly, I was only able to access my personal card, not my employees cards for payment. I was told by the customer service rep over the phone that all billing would go to that card, central billing, I would pay it through my personal US Bank Login like all of my personal accounts and cards. So I continued to pay that card, unaware that they had never setup a corporate account for me to actually pay for the other cards, or that this was even a process that needed to be done. Their rep did not inform me, nor did he follow through with any setup. 

Upon finding out the error, I had a balance on one of the cards that was over 30 days, I went into my local branch, contacted US Bank support, paid the balance, and had the bank setup the account the way it should have been originally. They only allow a written letter to resolve these issues, so I took the extra time to fix their mistake, and they still are showing a 30 day late ( the only one in my entire 17 year credit history ) on my credit reports.

This joke mailing paper to them when they could easily correct this is a direct attempt to put the work of fixing their problem on me, and I'm over it. I mailed them an archaic paper letter, and waited a month for their letter to come back, which stated they resolved it, its still showing on my credit report though. They need to fix their mistake fully, which includes notifying the bureaus that i was NOT late on my payment.
I applied for a loan through NACA in XXXX of XXXX. They pulled my credit three times that I can see on my credit report. In XXXX, the mortgage officer said that he was working on getting my loan approved but there was some policy change that was about to come into effect that may affect the amount I was approved for. He assured me that he had a copy of the NACA policy stating that unreimbursed employee expenses should not reduce the amount approved for. In XXXX, he provided me with a qualification l letter for the amount requested ( attached ). In XXXX, after searching two months for houses and finding the one, I reached out to get an approval letter for the property to start the contract process. He responded back with the letter, but said that new policies are now an effect requiring the employee expenses to be taken out and this will affect affordability ( email attached ). But he still provided me with the letter ... also attached. I reached out to the National NACA director, XXXX, via XXXX, and he responded back that there should be an exemption process. When I provided this information to the XXXX Office director ( After camping out in the office when he would n't return my calls/emails ), he said that XXXX XXXX was incorrect and that the policy had been in effect for years. I showed him the email from the mortgage office in his office saying that it was a recent policy, showed him the letters, my income, etc. He said that I should have never received a letter to begin with for that amount and that he 'd call me the next day. That was in XXXX. I have not heard back since. 

I want all NACA inquiries removed from my credit. I went through NACA before to get a home in XXXX, and it was not like this. Something shady is going on in that office.
I had previously written to the CFPB about Target with case # XXXX. At that time, I was issued late fees to my Target Red Card account despite payments. On XXXX XXXX, 2015, I made a payment to my Red Card account. Despite my payment, in XXXX, I was issued a late fee on XXXX/XXXX/2015. Then, I made another payment on XXXX/XXXX/2015 ; I was again issued an even greater late fee on XXXX/XXXX/2015. I made payments in both XXXX and XXXX 2015, but I was issued late fees in XXXX and XXXX 2015. would like these reversed immediately, including any interest charged in the months since on these disputed fees. 
The latest frustration is a further continuance of Target 's inability to work with customers who are making good faith efforts to pay their accounts off. The statements are not written until the XXXX or XXXX of each month. I have paper statements, which means I do n't received them by mail until XXXX. Then, payment is due by the XXXX of each month, giving me only about a week to receive the bill then mail out payment. My XXXX XXXX statement reflects this problem. On XXXX XXXX, there was a payment due. Target received its due payment on XXXX XXXX. Target does not offer a grace period, but assessed a late fee, despite the fact I had made a good faith effort to pay, I had paid the previous month on the XXXX, and the prior month I had paid four times the minimum payment due. I got assessed a late fee on both my XXXX and XXXX statements. I guess my problem with this is that I am being billed {$70.00} in late fees over two months despite the fact a payment was made. That {$70.00} is the same fee as if I did n't send in any payment at all. I have been double-billed late fees. I have been trying to pay down this account ( it is leess than {$100.00} due on the account ) but the problem is that Target 's late fees are so expensive, I have n't been able to simply pay off the principal balance because of these out of proportion late fees that Target simply wo n't budge on. It is why I have left Target as a consumer for good.
Volvo had the incorrect contact info on my account that they input on their side. Phone number was wrong by 1 digit. They did not withdraw the funds from my account correctly and were unable to reach me because of this. I was sent a letter in the mail that stated that my auto-pay was setup and should have withdrawn funds on XX/XX/XXXX fpr {$560.00}. This did not occur until XX/XX/XXXX. They are stating that someone was update don my account that they can not verify. Because they input my phone number wrong on their side should not be my fault that they could not reach me correctly. I did not receive one email or phone number from Volvo stating that my account was past due.
I contacted Transunion about a tax lien being on my credit report, I informed them that the tax lien was paid and it should n't be there. Instead of Transunion removing the account they updated the account showing paid. I paid the balance prior to it being reporting on my credit report, per Transunion they were going to remove the account completely but they did n't its just showing paid. I want this account remove from my credit file immediately.
A International Promissory Note was sent too the CFO and the Research Dept to Discharge my Mortgage Note at Ocwen Loan in the amount of {$300000.00}, they stated that they could not accept it because it was not the full amount, Ocwen stated that they will send me a payoff quote, in which I received in the mail, Sent them another Promissory Note in the amount of {$310000.00} for full amount, the Research Dept of Ocwen stated that they would have to do research, I also fell to mention that I sent information on the Law in regards to the Promissory Note being Legal Tender, they kept XXXX the Promissory Notes for about a Month, Finally got a call and a letter from Ocwen stated that they could not accept my promissory note, I asked them why, and they could not give me a reason why. At this time they holding XXXX Promissory Notes.
They repossessed my car when the payment was only two days late. When I contacted them I was told they sold it. They never once sent me any notices or gave me the right to cure. Generally, the secured creditor must give the consumer the right to reinstate. ( Cal. Civil Code XXXX ) The finance company must provide notice to the consumer of its intent, ( Notice of Intent ) to dispose ( resell ) the vehicle within 60 days of the repossession and at least 15 days prior to resale ( 20 days if the notice is coming from out of state ). The ( Notice of Intent ) must contain all the disclosures required by Cal. Civil Code XXXX ( XXXX ) ( XXXX ). Among the disclosures required is the consumer 's right to 'redeem ' by paying the balance of the loan. Strict compliance is required with these requirements : if the secured creditor fails to strictly comply, it will be absolutely barred from collecting any deficiency. XXXX ( XXXX XXXX, CA ) wanted $ XXXX to return my personal belongings. Repo men have a duty under Bus. & Prof. Code XXXX to provide notice to the consumers that they have this property prior to disposing of it. Although there is no private right of action under the B & P Code sections, consumers could seek compensation through the Unfair Competition Law, Bus. & Prof. Code XXXX et seq. Disposing of the property could also constitute a violation of the Rosenthal Act. In fact I have received nothing from them at all not even one phone call. Yet the OMV contacted me saying the registration has been suspended cause I did n't pay my car insurance. The car in fact is still registered to me. 
Also all my paperwork for the loan was in the glove box and they have deactivated online access to my account.
XXXX XXXX, by way of SeriveLink, LLC, recorded an unsigned, unverifiable, QuitClaim Deed in error, falsely, misrepresented, in XXXX XXXX XXXX of Deeds. As the Secured Party Creditors, and the holders of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX XXXX XXXX XXXX, their alleged claims and/or requests prejudice my rights, titles, and interests in regard to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. For me to provide them with a remedy, I conditionally accept their offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof that the property is acquired by a new entity, 2. VERIFIABLE Proof of a copy of your lease ( even if expired ) or any other proof of your right to occupy the property, 3. VERIFIABLE Proof that the property in which I reside has been foreclosed, and 4. VERIFIABLE Proof of Proof of any security deposit paid and/or copies of cancelled checks or other proof that shows payment ( s ). 
5. VERIFIABLE Proof of any rent/lease payments and any other correspondence related to my occupancy of the property. 
6. VERIFIABLE Proof that a contract exist with any of the said parties.
EARLY WARNING DISPUTE Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Georgia XXXX D.O.B : SSN : Driver Lic XXXX Consumer ID : XXXX 1. Disagree with reporting of XXXX XXXX  ( Ref #  XXXX ) principal loss amount of {$1000.00} the funds were held for verification for a fixed period of time by the bank until collected from deposits. The original amount of principal loss is incorrect and I am requesting removal of this account until validation is met under the federal guidelines and forwarded to me by way of statutory mail, please send detail documents of stated amount 2.  Disagree with reporting of XXXX XXXX  ( Ref # XXXX ) principal loss amount of {$360.00}. This account was closed by myself consumer because of funds delayed for extreme periods of time. No balance was owed for this account. Bank charges are said to be closing charges. Please have bank provide closing charges disclosures that read {$360.00} is required to close an account. Please remove this account until I receive debt validation by way of statutory mail and allow 30 days to dispute. Please send detail document of stated amount 3. Disagree with the reporting of XXXX XXXX XXXX XXXX ( XXXX ). I have reached out to XXXX XXXX XXXX XXXX several times and no one has been able to provide validation of the debt amount ( {$3300.00} ). I have reached out to XXXX XXXX XXXX attorney at law 3rd party to Delta XXXX XXXX XXXX and requested debt validation for the amount of {$3300.00} and received a certified letter stating I owe this amount with no proof attached or documents to support amount. Please remove this reporting until all statues has been validated under the FCRA mandates.
Equifax announced a cyber-security incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from mid-XX/XX/XXXX throughXX/XX/XXXX.
I am one of those victims according to Equifaxs Check Potential Impact tool.
They offer a free subscription to TrustedID Premier, but if I agree to the terms of service I will not be able to participate in a class action lawsuit if one should be filed. Believe me when I say- I want to sue them out of existence.
I do not trust Equifax with my personal information, as they have shown it is not secure. Now it 's 'out there ' forever. My personal credit information is now out of my control due to the ineptness of this company. My identity is at risk and it falls completely on the feet of Equifax.
Just days after the breach, several top executives from Equifax sold almost {$2.00} million in stocks, yet they waited months to inform the public. I believe this to be criminal.
They are using fear to 'trick ' people into signing up for the credit monitoring service for one year free, only to ( 1 ) prevent them from suing, ( 2 ) to charge them for this service for the remainder of their life, if they wish to monitor their Identity and try to control their credit.
I have been trying to resolve a complaint with Lending Club. Pursuant to the lending agreement, I submitted a request to arbitrate the case. 

Lending Club has not responded in any way to my attempt to resolve the matter. They have since written the loan off as noncollectable. 

I would like to have this case resolved via arbitration per the agreement.
Received a collection notice from Credit Collection Services on X/X/2017. The notice identified XXXX XXXX XXXX XXXX as the creditor and the amount was {$24.00}. I have never had XXXX XXXX so I contacted them first. They confirmed that I have never had any type of XXXX XXXX  and that there was no debt. That call was on X/X/2017. When I called the Credit Collection Services on X/X/2017 they said the amount was paid in full and no further action was required. I never made a payment.
In XX/XX/XXXX, I rehabilitated my default student loans account and set up a monthly payment plan. I was told to start payments immediately because I was told that after 9 months of successful payments the account would be in " good standings '' on my credit report. In XX/XX/XXXX, I reran my credit to find that no payment information was ever recorded or reported to the credit bureaus. I called the U.S. Department of Education to find out why and they said I needed to fill out a rehab form and they would backtrack everything and it would be in " Good Standings '' once they processed the signed document I returned via mail. On XX/XX/XXXX I noticed no change, so I contacted them again. I spoke to XXXX ( XXXX ), she was very rude and explained that because I never filled out the form initially, which I never received, back in XX/XX/XXXX that it would be another 30-45 days from the day they received the form on XX/XX/XXXX before it would be placed in " Good Standings '' on my credit report. Ive already been reassigned to XXXX and told not to continue payments to the US Department of Education. This whole process has just been exhausting, Especially when I never received the form initially and when i brought up their mistake I was talked down upon and forced to wait even longer for this to come off my credit.
In XX/XX/XXXX I applied for a XXXX XXXX XXXX Credit card through chase bank - I as approved for an {$18000.00} credit limit - I got an activated the card and charged about {$10000.00} on it in XXXX - I made a {$4800.00} payment in XXXX - I also charged a new approx {$4000.00} charge in XXXX - I went to usethe card the other day and it was declined - I called chase bank and was told chase closed the account but they could not disclose the reason to me - now this iis negatively affecting my credit report by having a new account that was closed with a balance on it and also caused me to have to apply for new card at a different bank which also negatively affected my credit score - all payments were up to date and i was never behind nor ever over the limit - in addition I am XXXX  XXXX with XXXX and this will affect that account as well - card number is XXXX
XXXX XXXX, First Citizens Bank has an advertisement on line, in their website https : //www.firstcitizens.com, where there is a bonus of XXXX for opening a new checking account. However, it does n't say that the checking account is subject to credit approval. After I fill out all my information, at the end, I was denied. I thought maybe they needed more information like my Driver License and proof of address etc. However, today I received an alert, that yesterday XXXX XXXX Bank checked on my XXXX credit bureau. It is an usual or not a common practice for a XXXX bank to measure credit exposure when a client is not requesting a lending product. It is uncommon to be subject to a credit risk check for a checking account, and more important to not disclose that as part of the application process. It is deceiving that their website does n't disclose that First Citizens Bank checking account products are subject to credit approval. I believe that is in violation of the fair lending act and it constitutes an unfair and deceptive banking practice. The website withhold material information that if I would have known right upfront I was going to be subject to credit approval for a checking account, it would have affected my decision to apply and I would n't have applied.
Someone transferred {$500000.00} ( XXXX XXXX  XXXX ) from my Business Savings account on XX/XX/2018 to some account in XXXX XXXX. 
I filed a compliant with Chase Bank claim number is XXXX Chase has confirmed this is fraudulent activity and yet they want to wait to reimburse me until they recover the money from XXXX. They are not able to help and continue to pass from department to department. The bottom line is this was a wire transfer that was not authorized and the bank failed at multiple check points and now they are not willing to help. They allowed the money out but do not want to return the money until they resolve with the fraudulent account holder XXXX. Chase has not helped resolve this matter. Our money is not protected.
On XX/XX/2018, I saw an alert on my credit report for an account from XXXX XXXX XXXX XXXX, Original Creditor 14 Santander Consumer USA Inc. on my XXXX, XXXX  and possibly on my XXXX  report for {$8500.00}. Fraudulent account with different balances that keep popping up on my report. I am in the process of disputing and they placed this on my account without notifying me. In addition, I have found Santander to be threatening, harassing and involved in unethical business practices, violating the FDCPA laws. This has affected my reputation, caused me emotional stress and has been damaging to my scores. Please delete these accounts immediately from all three of my credit reports. Thank you.
There is american express reported on my report opening in XXXX. I was XXXX years old then. There is no way that is my card that was opened.
I don't owe this debt because this school closed before I was able to take my test and I had no knowledge of this balance until this account become in collections. I called to see about this debt and the collectors were rude and couldn't explain why this debt belong to me.