WillisBack/dataset-financial-user-claim huggingface dataset:
From XXXX i open account a XXXX XXXX card with XXXX, i never had any problems and always pay my bill by auto pay. i previously reported this problem and XXXX responded XX/XX/XXXX. The letter they sent proof they really are XXXX and do not know what they are doing to customers. 

I was not getting any statements from them and my card was on auto pay, i notice high amounts coming out of my checking account and even bouncing checks in my account, i called them and they told me a added XXXX XXXX to the account and and i also changed my address which i certainly did not. problem they are still reporting this fraudulent address to the credit agencies. 

They sent me a letter that all of the fraudulent charges were made from his fraudulent card, and they removed him from my account on XX/XX/XXXX, how ever he was still making charges thereafter, all the charges they have on my credit account was made after that date. They certainly need to credit back all the fraudulent unauthorized charges and credit back my account. Here are some of the charges XX/XX/XXXX XXXX XXXX {$7400.00} XX/XX/XXXX XXXX & I deli {$50.00} XX/XX/XXXX IL XXXX {$1200.00} XX/XX/XXXX store {$150.00} XX/XX/XXXX Il XXXX {$480.00} XX/XX/XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX {$1600.00} XX/XX/XXXX an auto {$3000.00} just to list a few of these fraudulent charges
We never applied for credit at Pay Pal Credit! They opened up an account in my name without my approval or submission of an application! I believe that this is a fraudulent practice XXXX! I have research suggesting this is a common practice by them! I need the account closed and the credit inquiry reversed!
StearnsXXXX acquired my mortgage 2 weeks ago, after it was sold twice from a re-finance 2 months ago. Last week I received both the package about this acquisition AND a dunning phone call that my payment was late!! How can any payment be late when only 4 days elapsed on receipt of information on a newly-acquired account? To worsen this situation, I followed the provided instructions to set-up my new account to make online payments BUT the needed field to click and complete this does n't appear anywhere on the web site. Soooo - I 'm unable to make a fast and timely online payment because the company 's web site lacks the fields to do this yet I 'll continue to receive dunning calls that my XXXX payment is late even though this company acquired my mortgage only 2 weeks ago. I ca n't go into their office since it 's several hundred miles away so paying in person is not an option. Is n't this harassment? Is n't this unethical? Is n't this an unfair business practice?
I filed a fraud claim for {$690.00} for a transaction post date of XX/XX/2018. I did not receive any action from Chase for weeks, despite calling consistently to understand next steps. No information was ever asked from me and they had misfiled my claim as a dispute when it was fraud.

I received a notice from Chase that the amount is legitimate despite no explanation or evidence of a billing error. I am not disputing the claim as a billing error. I was charged by someone in XXXX so it is fraud.
I received a letter from  Huntington National  bank indicating that I needed to make updates to my insurance policy to reflect my address as :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MI  XXXX . Mind you, the letter was sent to the correct address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX     XXXX  MI  XXXX . There are no condo 's with the number  XXXX  in my development, I LIVE IN  XXXX   XXXX . Huntington confirms this is the address on my loan, and their insurance department states this is not the address they have and tells me I have to speak with the Mortgage Department. I have tried calling twice to resolve this.   The first call, I called the insurance department, who stated I had to talk to the mortgage department. The mortgage department told me I had to speak with the insurance department. I could n't wait for the insurance department and had to end the call ( I was on the call alre ady ~30 minutes ).    The second call, I called the mortgage Department, they said I had to speak with the insurance department. I held for quite a long time. After getting to the insurance department, they said again, that I needed to speak with the mortgage department.   The property address for my mortgage is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MI  XXXX  I am not calling my insurance carrier to have them update my policy to include  XXXX  as my unit as that is not my address. Something is clearly wrong here.
My ex-wife and I submitted paperwork, back in XXXX 2016, to Ocwen requesting a short sale of our condo due to several significant, long-term hardships including divorce, relocation out of state due to a family hardship, increased mortgage expenses and high medical expenses resulting from an ongoing health condition. Shortly after our first request was denied, several additional major hardships presented themselves -- loss of renters in our property thus taking away a significant portion of income, job instability and a major salary reduction due to a severe company financial crisis. The new monthly salary, in its entirety, does NOT even cover XXXX of the mortgage payment! This does n't even take into account obvious living expenses and obligations that need to be made each month. Despite these additional hardships and our monthly cash flow being grossly negative, we were denied a second time. We clearly meet the guidelines defined by the XXXX Program and yet Ocwen does nothing but categorically deny our application and refuses to negotiate the short sale of our property. Taking all of our hardships we are faced with combined with our available assets having been all but depleted and our inability to make a mortgage payment for the last few months, Ocwen still makes the absurd claim that us defaulting on the loan is NOT imminent. Not only is a default imminent but the reality is that it is inevitable. Based upon our dealings with Ocwen, lack of communication and the ludicrous decisions we have received from them, we assert that Ocwen is failing to give credence to the information we are submitting and is operating directly against the XXXX program. Additionally, our divorce decree stipulates the property must be sold, thus Ocwen is forcing us to continue to hold onto a joint asset indefinitely and directly degradating a court order. It is clear to us that Ocwen is operating their business in an unethical and fraudulent manner and this needs to be addressed. We respectfully request this be reviewed and the Ocwen approve our short sale application.
Ad Astra Recovery Services in XXXX Kansas.. I Called two times to settle the debt, continuously ask for a credit card payment right than without sending a confirmation letter of the amount the debt was settling for. I believe I do have a right to receive a letter confirming the amount and that the debt would be considered paid on my credit report. The last letter I received from them was XX/XX/2013.
On XX/XX/XXXX I received an alert from XXXX XXXX  stating that there was a collection on my credit report from XXXX XXXX with the original creditor being XXXX and an amount of {$320.00}. I immediately contacted XXXX XXXX to let them know that I did not open this account and that it was a result of identity theft. I was given a phone number and account number and was told that this number was ported out to XXXX XXXX. I was told that if I wanted this account cleared up that I will have to file a police report and identity theft affidavit and send it to XXXX. The police report was filed on XX/XX/XXXX with the XXXX police dept and XXXX Mississippi however I have not been able to get a copy of the report because I no longer live there the reason that I filed it with them is because I was told by the representatives at XXXX that one of the accounts was opened up in XXXX Mississippi and that they had no knowledge of where the XXXX account was opened at power XXXX XXXX. I have not been able to get in touch with anybody at the XXXX fraud department. Whenever I call their number all I get is an automated machine and there 's no option to connect with the live representative. however it had a billing address in XXXX, IA. At this point I 'm not sure exactly where the XXXX account was opened that I just know that I have no knowledge of it and I never authorized anyone to open this account and my name and the police have been notified. When I contact the XXXX to let them know that I did not authorize the number poor they stated to me that there was an account open there in my name also but the representatives they 're closed it and stated I have no liability for that account because it was a fraudulent account. However I have not been able to come with a resolution with XXXX XXXX or XXXX I have sent them letters asking for validation of debt or to see a to see a contract that was signed with my signature on it and they could not provide me with that they also stated to me that they could not do anything about the fraudulent account that I would have to go through XXXX to get it cleared up even though XXXX is not the one that 's reporting on my credit report it is XXXX XXXX. I 'm requesting that this fraudulent account be removed from my credit report immediately
They call my phone at leas t 13 times a  day but they always call from different numbers. They will call 5 times from  XXXX  phone number and then use other numbers throughout the day. My phone rings every hour, sometimes withi n 30 m inutes of the last call. This has been going on everyday since  XXXX .
Coinbase are illegally stopping customers from withdrawing their money. This is happening to hundreds of people ( on the Coinbase forum ).
As requested by Coinbase, in order to verify my bank account ( for withdrawing funds ), I sent a XXXX payment of XXXX euros on XXXX/XXXX/XXXX. I waited a long time for it to go in. It didnt go into my digital wallet, so I sent another one, which reached my wallet on XXXX/XXXX/XXXX. Each time being charged by my bank to send the payment. Coinbase have still not verified by bank account, so I ca n't withdraw money, even though it states 1-2 days after it enters the wallet. Ive contacted Coinbase numerous times but they are not responding to my support tickets, or XXXX messages.
I purchased my new Truck in XXXX 2016. The dealer said I could n't pay cash and I had to finance it for at least 3 payments. When I got my first statement from Chrysler Capital the principal was {$29000.00} and payoff was $ XXXX.I sent a cashiers check on XXXX XXXX, 2016 for the {$30000.00}. They sent me another " bill '' for {$97.00} for more interest. On XXXX XXXX, 2016 I sent another check for {$97.00}. Now they said they did n't receive it. I sent it certified mail and the tracking mail showed it was delivered XXXX XXXX, 2016 at XXXX and checking with my bank for a copy of the check showed it was deposited XXXX XXXX, 2016. They are still sending me a bill for the {$97.00} plus {$2.00} interest. Meanwhile ( XXXX XXXX I assume / Chrysler Capital sent me a prepaid debit card for {$97.00} for over payment for my loan. I 've called at least 4 times and get a different answer each time and I still have n't received the Pink Slip title. I think from XXXX, 2016 to XXXX, XXXX, 2016 is plenty of time for them to get things settled. 
Thank You
XXXX the cell phone company is attempting to collect {$210.00} from me and has forwarded on their fraudulent claim to collections agencies. I asked for copy of a signed contract that bears my name on this alleged and FRAUDULENT account. Neither XXXX nor their collection agency XXXX were able to provide me with a copy. BECAUSE THEY ARE FRAUDSTERS! After failing to provide me with a signed contract XXXX sold off this fraudulent claim to a Source Receivables Management company. Who is also now attempting to collect on this fraudulent debt.
On XX/XX/2018- I was loaned {$300.00} via online by XXXX XXXX XXXX. The payments are extremely expensive and due to the recent Hurricane Michael- I am unable to continue making these high interest bi-weekly payments. After researching my options, I discovered that Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money. The current interest rate on my loan is 828.57 % - a significantly higher interest rate.
This is regarding the case XXXX with Experian and the case XXXX with XXXX XXXX. We have done some extra research and checked carefully and indeed there was an issue with XXXX XXXX, I never requested that but they put a dispute in my account. It seems that they do this kind of things to protect the customers from identity theft ( they could be other reasons too ), in doing so they put a credit freeze on the data of the affected clients, in other words they block the access to their credit files. 
I do not know why they decided to do that but it was negligent from them. The credit reporting was frozen and we did not know about that, when we realized that we called XXXX XXXX and requested the removal of that but they said that it would take weeks. In order to speed up the process we had to pay a fee of {$240.00} to the XXXX ( XXXX XXXX XXXX ) as you can see in the attached document. Anyway because of all the time wasted because of the negligence of XXXX XXXX, we could not get the credit reports on time and we lost the house and the time and money invested in the process. We paid a fee of {$370.00} for the required house inspection, money that we also lost. 
In the case of Experian, we were also calling them many times and talking with different people about our problem with the credit reporting, we were following their instructions, we gave them all the information requested and even we submitted all the requested documents in Black and White PDF files ( as requested ) through their official webpage but still we could not have the credit reporting. We are not sure but this problem with Experian could have been the effect of the dispute that XXXX XXXX put on my account. 
I am attaching here the copy of the email that my wife sent to me requesting the conversion of some documents to Black and White format and my reply with the documents. We already had the other documents in B & W format. I am also attaching a copy of the screenshot from the official Experian website after successfully submitting all the required documents.
Hello, I received a letter from Ally Financial inc.and Ally Bank, that they settled a lawsuit with XXXX government agencies -- the U.S. Dept. of Justice and the Consumer Financial Protection bureau -- over allegations of discrimination in auto financing. and that a credit will be reflected in my next billing statement. I was told that the credit would be applied to the principle, but when checking my ally online account history, the XXXX credits {$48.00}, of that {$24.00} went to finance charges, {$94.00}, of that {$47.00} went to finance charges. QUESTION : Is n't that whole amount to be applied to the principle?
Late XXXX I obtained an auto loan wit Credit Acceptance Corp . I am under the impression that the principal ammount of this loan was XXXX. I paid XXXX down, and made monthly payments of XXXX for 15 months. I later crashed this vehicle, and defaulted on the loan. The vehicle was returned in salvage condition. In XXXX a judgement was entered against me in the ammount of XXXX. My wages have since been garnished. I have paid an additional XXXX through income execution. In XXXX I attemted to get an update of the remaining balance, only to find that I owe in excess of XXXX. I spoke with the sherrifs office, because they have the order in XXXX XXXX NY. They tell me I have to deal with the lawyer. I call the lawyer I 'm told I need to speak with Credit Acceptance Corp . I call Credit Acceptance, I 'm told, " they have sold the debt ''. My issue is the constant running in circles while my wages are garnished, and the ammount I owe rises. How is this possible? This was a XXXX Doge Intrepid purched used with XXXX miles in XXXX XXXX. This vehicle brand new with XXXX miles only cost XXXX. How is it I still owe XXXX after having already paid XXXX? on an XXXX dollar loan? I feel this is Preditory, and Unconcionable. Please help. My wife and I are expecting our XXXX child and I am the only income for our household. I can not afford to pay continual garnishment, and I feel this debt has been paid. I understand that the principal ammount does not include interest however I feel I have been victim of Preditory lending. This judgement remains on my credit report despite the number of times I have desputed it. Please help
XXXX Account # last 4 : XXXX XXXX XXXX XXXX account # :XXXX Amount XXXX I contacted XXXX and XXXX 12times.  I sent in police reports, I reported this fraud. I even requested the debt verification and they only sent me three bills that are address to a address that isnt mines. They didnt send the sign contract, they never sent in the copy of identification. Nothing and they are reporting it in my report while the original company is doing so as well. When I call XX/XX/XXXX at XXXX XXXX   the rep did not wan na help me when I asked why werent the requested debt documents sent to me see just estates if you have a lawyer we can speak with them. They are illegally reporting someone else debt in my report and will not help me
My bank offers Overdraft Protection which is essentially a Reserve line of credit that covers any overdrafts on my checking account. It also offers online banking where I can schedule payment of bills or transfer funds between my accounts ( ex. move funds to checking from savings ). When  transferring funds between accounts, balances are adjusted real-time. When scheduling payments, balances are not adjusted real-time. When you schedule a payment, you may have sufficient funds in your account to cover the payment but when the pay date arrives you may not if in the interim additional debits reduce the checking account balance. 

This is what happened to me. On or about XX/XX/XXXX I schedule payments to my life insurance company. I had sufficient funds at the time. Before the pay date arrived various debits hit my account reducing the balance. When the pay date on the scheduled payments arrived the bank paid creating overdrafts which they then covered by the Overdraft Protection for which they collected various fees. 

I contend that by not reducing balances for scheduled payments, the way they do for transfers between accounts, the bank is acting in bad faith in creating conditions for consumers to be uninformed of insufficient funds conditions arising in their accounts.
I entered into a HELOC with the XXXX XXXX in XX/XX/XXXX. XXXX put a lien on the property at the concurrent with the execution of the HELOC documentation. Later that year, I was forced to file a Chapter XXXX Bankruptcy due to the failure of my business, and I received no further communications from XXXX. In XX/XX/XXXX, My wife and I each received an IRS Form XXXX ( Cancellation of Debt ) from Caliber Home Loans indicating that the debt had been cancelled. I did an on-line search for Caliber and called the Caliber Customer Support number to clarify what the XXXX was and to request that the original XXXX lien be lifted. I assume that XXXX bought the debt from XXXX. The customer service rep could not find any listing for this loan in their data base and gave me a number for the lien/debt collection department. I called this number, got put on automatic hold, and eventually was disconnected. I tried calling 4 more times with identical results. I included the XXXX in my personal income tax filing for XXXX. I now have my house up for sale and have gone through a local Title Company to assist in getting the lien lifted. The Title Company was told by Caliber representatives that company might reinstate the debt collection effort.
I have a hard credit inquiry on my Equifax credit report from XXXX XXXX XXXX from XXXX credit. I have never applied for credit with XXXX I contacted them and they did not have an answer for me as to why the inquiry is there. XXXX does not have this inquiry on my report only Equifax
I AM CONTINUING TO INFORM YOU THAT XXXX IS REPORTING INACCURATE FRAUD INFORMATION INTO MY CREDIT FILE. YET YOUR COMPANY CONTINUES TO REPORT MEDICAL BILLS THAT DO NOT BELONG TO ME. HOW HAVE YOU VERIFIED ANY OF THIS? WHOM HAVE YOU SPOKEN WITH? AND WHAT DOCUMENTS HAVE THEY SENT YOU PROVING THAT THESE ACCOUNTS ARE MINE? NOT ONLY THAT, MEDICAL INFORMATION BEING REVIEWED AND I HAVE NOT GIVEN PERMISSION TO IS A VIOLATION OF HIPPA. SO HOW IN THE XXXX ARE YOU VERIFYING ANY INFORMATION WITH XXXX AND THEY CANT VERIFY ME WITH ANYTHING? THEY HAVE NO CONTRACT BEARING MY SIGNATURE AND A PAPER WITH A BILL IS NOT LEGAL DOCUMENTATION. I WANT THESE ACCOUNTS REMOVED IMMEDIATELY OR I WILL BE FORCED TO PURSUE LEGAL ACTION AGAINST TRANSUNION AND XXXX. 

YOU ARE ALSO REORTING ANOTHER ACCOUNT WAYPOINT RESOURCE THAT DOES NOT BELONG TO ME ITS A RESULT OF IDENTITY THEFT PLEASE REMOVE.
I received a Citi Visa Debit card with a balance of {$450.00} XX/XX/XXXX. The card has a one year expiration date for XX/XX/XXXX. On there site, it says that after 12 months there will be a $ XXXX/month maintenance fee. However, on XX/XX/XXXX, Citi expired the card and charged my entire balance of {$170.00} as a fee.
To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail to Equifax so that I may dispute inaccurate information on my credit report. The details of the letter outlined XXXX hard inquiries that are being reported on my credit report in error. Equifax received the letter on XX/XX/2017 and apparently the research was completed and a response mailed to me on XX/XX/2017. The letter sent by me outlined XXXX hard inquiries that were not authorized. The response that I received from Equifax included rather general information about hard inquiries and what they are and were NOT tailored to my unique situation. The response was not specific to my request regarding the removal or validation of these damaging and unauthorized inquiries. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. What is even more insulting is that, I received a response 4 days after the receipt of my certified letter, which leads me to conclude that there was no investigation into this matter. Failing to validate and investigate the information being reported on my report is a breach of my trust and FCRA Rules. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that were not authorized. This is an unfair practice by a credit reporting agency with no regard to how this immature practice affect the credit worthiness of a consumer.
I requested a increase on my {$250.00} line of credit with Khol 's several times, however, I have never received a reason for denial letter.