WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, a fraudulent charge was processed at a XXXX XXXX ( for an iPad ) that my family has never been to in a town that is a considerable drive away. Upon noticing this, I started a fraud claim and was credited back as it was determined I did not make this purchase.

Today, XX/XX/XXXX, Chase called me to tell me that because the card had a chip, they would deny that it was a fraudulent charge and would be placing it back on my account. 

I explained to them that : 1. I work in security, chip cards can still be stolen, reproduced, and used ( it's called shimming ) 2. My wife and I do not own ANY XXXX products and have never had any intention of purchasing one. 
3. We were not in that town on that day or even in that month. 
4. They had produced no evidence that it was a legitimate charge. 

They have decided to not listen and have told me that they will be placing the amount back on my account and did not provide any way for me to appeal this decision.
i applied and was approved for a capital one secured credit card XX/XX/XXXX. I cancelled this card a few months ago, around XX/XX/XXXX XX/XX/XXXX, They informed me i would receive the {$300.00} back unless there was an outstanding balance. They indicated to me that I would receive a check for aprox. {$85.00}. Because of the outstanding balance. I never received a check so contacted them today XXXX/XXXX/XXXX. Now they are telling me that i was only getting {$150.00}. of the {$300.00} back. My complaint is I was informed that I would receive the {$300.00} back from my security deposit, now they are stating the the other {$150.00} is for other fees, of which I have no idea what they are talking about. I feel they owe me {$150.00}.
i sent out a debt validation letter to this company and they sent me a bill statement rather than proper validation of debt. this is not my debt i wish they would remove it from my credit report.
This company keeps harassing me about a debt they claim I owe. I have provided them with an affidavit. There was a fraud alert on my credit report and somehow they keep saying that I need to prove to them that the debt is n't mine. I HAVE A FRAUD ALERT WHICH SHOULD HAVE FLAGGED THE ORIGINAL COMPANY SINCE IT WAS ON THERE WHEN WE MOVED BACK TO AMERICA, WHILE ON  XXXX   XXXX . Also I would n't have applied for a loan because service members and their families have special rules!
Please see complaint # XXXX " Notwithstanding, we have placed this account on hold and requested verification of the account from our creditor-client. It will be sent to Mr. XXXX if and when it is received. We trust this resolves your concerns. '' XXXX XXXX XXXX. 


I have waited nearly 55 of the 60 day feedback period. I have received none of this information. Again, I have received no phone calls or letters and would like to see proof of phone contact and any previously dated postmarked letters. 

The burden of proof lies on XXXX XXXX and no documentation has been produced. I have patiently waited another 55 days for the promised follow up and have received nothing. Not too mention the several months of damaging improperly filed collections. 

My previous complaint went nowhere. I wish to resolve this and discontinue filing complaints. However, I will not cease until this matter is resolved. An ideal outcome would be the erasure of this illegal reinsertion of a previously defunkt collection claim.
Received a credit report from Experian today XX/XX/2016 that was dated for XX/XX/2016 with my name deliberately incorrect. My name is XXXX XXXX XXXX but my report was sent to me with XXXX XXXX XXXX. Please know that Experian has numerous copies of Driver License and Social Security Card. I 've enclosed the documentation of proof with this complaint.
The XXXX XXXX XXXX is reporting duplicate chargeoff on my credit report. Both was a part of an identity fraud
I have a negative account on my credit report for {$34.00} in regards to some kind of medical treatment if anyone checks and researches my medical history they will see that I have medical insurance for the past ten plus years so I 'm not understanding how I can have a medical bill that is legal enough to put on my credit report how can a company charge you for services not rendered then hold you responsible for whatever they choose to put it on your credit report
my name is XXXX XXXX my social security number is XXXX date of birth XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. i call equifax office of consumer affair several time to tell them that i have fraud inquires on my credit file from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX, i stated to equifax that these hard inquires arent mine and please can you remove them off my credit file but their response is that they refused to remove them, please take action against equifax thank you
Incident Date : XXXX XXXX, 2016 Incident : A payment of {$1200.00} on an XXXX XXXX credit card account processed twice. 

Attempts at Reconciliation : I contacted XXXX at the time of the over-payment, at which point they tried to give me credit in the amount instead. As I explained to them, credit is not cash and I would eventually have to pay it back to them with interest, therefore it would in no way constitute a reimbursement. 

They agreed to send me a check, but when I received it, it was for less than {$200.00}. When I called back to ask about the discrepancy, they acknowledged the mistake but told me they could not send a check for the full amount as I had to have at least the amount in available credit to do so. 

I had several conversations with Customer Service since then and was told several different things. I lost my credit card and when I called to replace it today I asked if I could finally be reimbursed. This time I was told - alternately - 1 ) that I needed a BALANCE of at {$1200.00}, not available credit. ( This would require me to spend {$120000.00} to get  a check for it, which seemed completely nonsensical to me. ) and 2 ) when I pointed out the logic flaw, that " it was too long ago. '' Since it took this long due to mistakes on the credit card company 's part, I do not believe I should lose {$1200.00}. Additionally, according to Regulation Z of TILA,  in a case of consumer overpayment, the involved creditor must " Make a good-faith effort to refund the amount of the credit to a deposit account of the consumer if the credit remains for more than six months. '' No such effort was made - in fact, I feel I have been more obstructed by Elan than helped. 

I was ultimately told that I would receive a letter within 10 days detailing their " decision, '' which I did not find promising given my experiences over the past year, so I opted to move ahead with a complaint.
My Equifax credit report shows an address that I have never lived at. The address is in the state of Oregon and I have never been to that state. 
Wrong address is : XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX
MY NAME IS XXXX XXXX XXXX XXXX MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX MY SOCIAL XXXX, MY COMPLAINT IS I DID A DISPUTED WITH EQUIFAX AND TOLD THEM THAT THE XXXX CREDIT CARD ACCOUNTS XXXX XXXX XXXX XXXX AND OTHER XXXX CARD XXXX XXXX XXXX XXXX ARE ALSO FRAUD ACCOUNTS, THESE ACCOUNTS SUPPOSED TO BEEN REMOVE OFF MY CREDIT FILE. AND ALSO THE XXXX XXXX XXXX XXXX ACCOUNT THAT HAS A BALANCE OF XXXX DOLLARS. BUT ITS STILL SHOWING PLEASE HAVE REMOVE EQUIFAX REMOVE THESE ACCOUNTS THANK YOU
Hello, my name is XXXX, I received a collection letter from Midland Funding. I sent them a certified letter asking requesting debt verification. I got the receipt back that is was indeed delivered. I never heard back from them. Upon checking Small Claims court cases I discovered they still went ahead and got a judgment out for me to start paying {$35.00} a week starting on XX/XX/2017. From what I understand it 's against the law for them to ignore my letter and continue with the case. Is there anyone that can help me with this as far as what steps I should take in order to protect myself? Any help would greatly be appreciated.
In   XXXX   XXXX  , I received a notice from Bank of Americ a ( BofA ) st ating that my mortgage account is being transferred to  XXXX   XXXX   XXXX  (  XXXX  ) effective   XXXX   XXXX   XXXX  . No problem. At this point, I had an outstanding balance of {$7600.00} under BofA. In   XXXX   XXXX  , I received a statement from  XXXX  stating that I owed an outstanding balance of {$20000.00}. WHATTT!!!!! I wrote  XXXX  on   XXXX   XXXX   XXXX   disputing the outstanding balance. I received a letter from  XXXX  dated   XXXX   XXXX   XXXX   ( and received    XXXX   XXXX   XXXX     )  stating that I owed {$11000.00} for " property preservation ''. I do not dispute the " property inspection '' or the " property registration '' fees, even though I do not know why I 'm paying these fees. I am disputing the fee of {$11000.00} for " city/notice violation ''. This was the violation incurred by BofA when they did not list my property as foreclosed under  XXXX   XXXX   XXXX . I contacted BofA numerous times for them to pay this violation ( not incurred by me ) and they contact me via email on   XXXX   XXXX   XXXX  , stating that these violations were resolved. It seems that this violation is not resolved and I am being stuck with the charge.   XXXX   stated that I had to revolved this issue with BofA in order for this charge to be removed.  BofA  did not resolved this charge and I need your help to resolve this issue.
Was not notified of investigation status or results that I requested in the dispute I mailed. Credit Bureau refused to block item although it remains unverified and they never sent me proof of the instrument mandated that the credit bureau have as per FCRA Section 609.
To Whom It May Concern, My name is XXXX XXXX XXXX I have had a truck loan with Automotive Credit Company for 5 years I am a XXXX XXXX Veteran and this company harassed me by mail and phone calls telling me my payments or late. I have never been late on a payment I just checked my credit score XXXX is giving me a score of poor XXXX because they have reported me XXXX XXXX, 2016 last payment late my last payment was in XXXX XXXX, 2016 and on XXXX my payment history for my loan has been removed why would they do this. I strive on paying my bills on time and after 5 years paying {$11000.00} dollars being charged in interest a total of {$22000.00} dollars for my truck I do n't deserve this. I have n't checked XXXX because this information on my credit is incorrect and very harmful to my credit score I will check XXXX and give you a follower up. Thank you in advance for correcting this problem Now XXXX!
My daughter has a Student loan with Navien Collection Agency ... I willing to pay them by bank check or money order ... they refuse to take my bank check or money order ... They want me to pay by debt card ... I have told them XXXX times ..I do not want to apy by them having my Debt card ..and they been giving me a hard time .... the balance to this loan is XXXX anbd willing to paid XXXX upfront by bank check or money order ...
XXXX/XXXX 's credit collection agency and i came into a payment agreement where i would pay XXXX down and XXXX a month thereafter on a debt totaling XXXX. Also with payment arrangement XXXX/XXXX 's debt collection agency would then remove this debt collection off of all three credit reports. i have not received the contract, i mailed them XXXX, the negative item is still on my credit reports
Reinstatement of complaints # XXXX and # XXXX Closed by your agency without resolving the issue that SLS increased my mortgage payment to {$2400.00} illegally, after receiving {$300.00} to cover an escrow shortage to avoid an increase in the mortgage monthly installment. As stated in my first and second complain per SLS response to the agency on paragraph four of their XX/XX/XXXX, they conceded that they received on XX/XX/XXXX the escrow shortage of {$300.00}. Their XX/XX/XXXX letter instructed me to pay the shortage of {$300.00} to maintain the payment of {$2400.00} for P & I and Insurance ( P & II ) or opt to accept a higher monthly payment of {$2500.00}. Their XX/XX/XXXX letter instructed that if I opted to pay the lump sum I had to pay separately the {$300.00} from the P & II of {$2400.00} to avoid an increase in monthly payment to {$2500.00}. Following their instructions, I opted to pay separately the lump sum of {$300.00} to cover the escrow shortage and paid the {$2400.00} to cover the P & II. Again in paragraph four of their XX/XX/XXXX letter they conceded that they received the escrow shortage payment separate and the payment of the P & II separate both within the grace period for the payment at issue in XX/XX/XXXX. I followed their instructions, if they allocated the money incorrectly is out of my control. The issue here is that once I paid the escrow shortage in a lump sum of {$300.00}, my P & II was supposed to stay as {$2400.00}. Please see the attachment of their XX/XX/XXXX in which SLS asked for {$300.00} for an escrow shortage. At that time my payment was {$2400.00}. To aovid the monthly increase, I paid and they received {$300.00} escrow shortage within the grace period on XX/XX/XXXX, the grace period extends to the XXXX of each month. However, the monthly payment was increased to {$2500.00}. and then adjusted to {$2400.00}. What justify the increase? SLS have not explain that, SLS only states that my monthly payment is not {$240.00}. I refute that, once I paid the escrow shortage, no increase in monthly payment is legal nor justified. However, SLS is still raising the P & I to {$2400.00} from {$2400.00}. In addition, SLS is requesting as collectible {$87.00} to satisfy shortage alleging that I underpaid because I paid {$2400.00} in XXXX. This is incorrect. Once I timely satisfied the {$300.00} escrow shortage on XX/XX/XXXX, the P & II payment is suppose to stay at {$2400.00}. SLS does not dispute that they received the escrow shortage of {$300.00} and have not explained the increase of the monthly mortgage installment. The lump sump was specifically to cover any escrow shortage and avoid increase in the monthly mortgage installment. In addition, SLS embarks in predatory lending with an interest rate at 7 %. For years I have tried to lower my interest with them specially during the time that the interest rate was less that 3 %, but they refused. I am XXXX XXXX veteran, I have very good credit, I need your help. I 'm looking forward to hear from you and please do not close the complaint before resolving the issue in my favor. I may be reach at XXXX.
I recently opened my credit report and discovered unknown accounts ; CHASE AUTO XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I am a identity thief victim. The following accounts are not my accounts. I've also included my identity theft affidavit of which I've sent a copy to my local sheriff department for further investigation.
I 'm here to complain about Equifax 's handling of the credit reporting data in the recent breach. 

Beyond just complaining about my private data being compromised, it 's my understanding that my details were compromised over 45 days ago and the hack is only now being made public and addressed. 

Furthermore, I feel doubly violated - suspicious activity in the stock market indicates that Equifax executives attempted to trade on insider knowledge. I own shares of funds that invest in Equifax. I feel I was defrauded ( as part of my mutual fund ) into paying an unfair price for shares of a company that executives knew was about to plummet, and illegally dumped at my own personal expense. 

I have spent my entire adult life trying to improve this company 's assessment of my ability to handle my fiscal responsibilities. This breach comes immediately after 12 years of my personal journey in repairing my own credit, since I was XXXX years old, and upon paying my debts, earning a XXXX credit score, and beginning my journey as a XXXX investor, my first paycheck large enough to begin investing in my future -- they subsequently robbed me of it.
i submitted a complaint to paypal concerning an account in my name that was hacked and their response shed a lot of light on a lot of fraud that happened in my name that i need a lot more information and a much better response from the company so they can help me restore my identity that they allowed to be so severely compromised to start with.

on XX/XX/XXXX my account was put on limitation and paypal requested that i confirm my identity with new security questions, new passwords and submit a copy of my photo id. i did NOT do any of these things. and especially because paypal 's policy demands that the only valid photo i.d . that would be accepted is a drivers license or other government issued i.d.s i NEED to know what this photo looked like, because i have never a day in my life sent paypal a photo I.D .

on XX/XX/XXXX my account access was restored and it never should have been.

then 3 days later, XX/XX/XXXX, for the same reason my account was put on limitation, and using the SAME method my identification was validated and my account access was restored. i have not used any of these accounts for years and none of these actions taken to confirm my identity were done by me and NEED to be analyzed.

additionally i submitted my complain on XX/XX/XXXX and it took until XX/XX/XXXX for paypal to place another limitation on my account, especially considering the limitation placed on XX/XX/XXXX should never have been lifted, the fact that it took until XX/XX/XXXX to place a permanent limitation is a serious problem. And the fact that it is at a " permanent limitation '' status and not " closed '' needs to be remedied IMMEDIATELY ( not in another month )
I am disputing this item and would like proper validation as these charges are not accurate. I 'm requesting full validation
filled out an application for a XXXX XXXX XXXX credit card at an XXXX XXXX XXXX XXXX store for {$15.00} dollars off on my purchase, the application was approved a few days later I received a XXXX XXXX credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called XXXX XXXX, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by XXXX XXXX number 2, then XXXX XXXX turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops 75 points number 4. all this for a XXXX dollar purchase. CAN YOU HELP!
I have 2 medical debts placed on my credit report with Equifax, these same accounts appeared on another bureau which resolved my case and removed these debts. I sent in verification and validation letters to verify and validate this account and to adjust the correct information by asking them to remove these accounts from my report. I received letters from equifax claiming this information was verified, under the HIPPA ACT my medical rights are a private matter. I do n't want any credit bureau looking into my medical file that 's between me, my practitioner, and the insurance company who was responsible for this bill from an accident back in 2014, during my settlement. XXXX
Wells Fargo Bank. On XXXX XXXX a deposit in the amount of {$4900.00} was made to my account. It posted and then was immediately withdrawn. When I inquired, I was told by a woman in their fraud department that it was fraud and that they had frozen my account and would cancel it on XXXX. That deposit was from a relative in XXXX, Georgia to help me with buying a car. The freezing of my account has my funds in a tailspin because I am retired and receive my pensions by direct deposit. Ultimately, I blame the government for this debacle. It has financial agencies paranoid about money laundering, XXXX funds and XXXX financing to the point that it is just easier for them not to deal with the problem than to determine the facts. The woman at the bank 's fraud department was terse, peremptory and blunt and advised me that I should have known what to tell me relative! (? )
I financed a XXXX XXXX XXXX XXXX/XXXX/XXXX through Drive Financial XXXX for XXXX payments of {$650.00} first payment coming due XXXX/XXXX/XXXX. Total of payments at maturity would be {$46000.00}. Sometime thereafter, Santander Consumer USA bought the contract. My maturity should have been XXXX/XXXX/XXXX XXXX changed due date from XXXX to XXXX ) However, due to XXXX extensions/defferals ( job related issues, will elaberate when necassary ) it was changed to XXXX/XXXX/XXXX & all subsequent statements reflect that date. At the time of my XXXX XXXX statement, it showed that I still owed over {$10000.00}!!! Also, from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX XXXX 14 months XXXX my balance did not change!! I 've continued to make payments to avoid a possible repossession & as of my last payment XXXX/XXXX/XXXX they 're still saying I owe {$8500.00}. I 've added up all payments from my payment history & total monies I 've paid Sanatnder is {$49000.00} which is {$3000.00} over what my contract calls for!! Their contract reads that they can apply the payment to either the Finance Charge or Principal Balance or to any other balances I owe, " in any order they choose '' & it seems they 've done just that!! 

I 've lived up to my committment on this contract & feel that I 'm no longer obligated nor willing to pay them another cent! I ca n't afford another vehicle & looked forward to paying off this vehicle to have breathing room within my budget! No matter who you talk to at Santander, they ca n't give any explanation & have no clue as to what 's happening & stick to some pre-written script to answer questions. 

This company has XXXX complaints filed against them with the BBB XXXX XXXX XXXX XXXX XXXX websites just to name a few. Numerous suits have been filed, including the United States Dept. of Justice case that was settled XXXX due to violating the Servicemembers Civil Relief Act ( SCRA ), suits involving the Telephone Consumer Protection Act ( TCPA ). The list goes on & on!!! I 've contacted the Texas State Attorney Generals office & they seem blind & oblivous to this company. How can this be when they 're locate din XXXX?? 

I 'm one of many individuals that need help in getting whatever I 've overpaid AND my title! I have all supporting documents needed upon request. 

Please HELP!!
Company is reporting an inaccurate debt owed to them on behalf of XXXX XXXX   College. XXXX XXXX College has indicated no balanced is owed.