WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX, I called Bank of America to report unknown charges. My debit card number had been stolen and used it 25 times at gas stations within a 9 day period for a total of {$700.00}. 

While I was on the phone with them, more charges were coming in. There were charges in XXXX which were legit and showed that I was in XXXX at the time of all of these charges. They gave me a temporary credit in the amount of {$680.00}. 

On XXXX/XXXX/XXXX, without any explanation, they denied my claim and reversed all of the temporary credits. The letter they sent simply stated that they had reviewed my case and found that these were not fraudulent charges. That was it. 

I have called almost daily since XXXX/XXXX/XXXX ( the date I received the letter ), trying to get an explaination and documentation as to their findings. I have repeatidly asked for my money back. I have spoken with a manager in their Delaware location named XXXX. While on the phone with XXXX, she makes you feel as if she is on your side and understands and agrees with you. She states that she will contact the claims adjuster (? ) and that she will call me back with information. She has NEVER called me back even once. 

Here we are a month later and I have no further information from them and I 'm still out {$700.00}. And at this present moment, I 'm waiting for XXXX to call, which I already know will never happen.
Today, XX/XX/2019 I used XXXX to buy XXXX XXXX tickets from a guy XXXX XXXX with email XXXX. As soon as I sent the money the phone call was disconnected. The phone number he was using was XXXX XXXX. I immediately called the fraud department at Wells Fargo ( my bank and his ) and they said sorry we cant do anything for you because XXXX  is a gift even though it was going from one Wells Fargo account to another. What good is it having a bank that doesn't back your transactions up? I felt safe with XXXX  only to find out there is no help with fraud! I don't make much money to begin with, and now I will have to work 3 days for free to make up the money stolen from me. I am just sick that there is no help from these banks. Someone please help. They make you jump through all these hoops and offer no help.
I closed XXXX accounts with my bank when I moved out of State. The bank acknowledged that I was closing the accounts and provided me with closing statements and checks for the remaining balance in the accounts. Apparently, the bank accounts were closed but the debit cards were not canceled. Subsequently there have been charges made against the closed accounts. The problem started when the bank notified me that the account was overdrawn because a charge on the debit card caused the account to be reopened and the charge paid. After speaking with the bank location where my old account was, the charge was reversed and the overdraft fee was forgiven and I was assured that this would not happen again. I then double checked to make sure there were no pending automatic payments with any entity I conduct transactions with. Since then there was another transaction with the same results. This time the bank can not tell me who charged the closed account other than " an international transaction '' and began pursuing me for payment. I then reported the new charge to the bank fraud department and again asked the bank why the debit cards still remains active. The customer service rep then said it would be a couple of days for the card to become inactive. After many phone calls to customer service, not only have they failed to close the debit cards, there are more charges being applied to this closed account and they are again pursuing me for payments.
I had cable service with XXXX. When I returned the equipment because I was moving, XXXX said they would send me a final bill. I never got a bill, nor did I get a call from them ( I had the same phone number as when I was a customer ). My mail was being forwarded. The first I found that XXXX expected payment from me was when my account went into collection. I immediately paid XXXX, but the Adverse Account has ruined my credit. My account should never have gone into collection because I was n't billed or contacted, and therefore it should be deleted from my credit report. TransUnion refuses to delete the entry. XXXX, the collection agency, also refuses to request the entry be deleted because there 's nothing in it for them. I 'm not their customer so they do n't care that my credit is ruined.
XXXX XXXX XXXX sent me notice that my recertification would be due soon and that they would send me what I needed, they never did and started to charge me a monthly balance ( that I did not have ), when I was a month past due I figured out what was happening and recertified - they approved for ONE month, then sent me mail saying that I was past due for recertification - that I had just done the month before so HOW can I be past due, I completed the paperwork for a new payment amount based on the recertification that I had done - I uploaded paycheck stubs to show my current income, they then said it was incomplete so I sent a message that the paycheck stubs were attached what else did they need, now they have upped my payment again because I am past due for recertification!!! I received no answer to may mail messages. I am now over 1600 past due with a new payment that is almost 900 a month!!!!
I informed the agency to cease contact on XXXX XXXX, 2015. They have begun contacting every number they can cull from the Internet, which includes my work numbers. I am mailing another letter, along with this complaint number to ask them to cease contacting my employer again. They contact random numbers within my employer, please see attached email. I have informed them verbally to take the legal action that they need to take, they have continued to call. They yell, speak over me, and try to harass with a terse and harsh tone. They are acting like a dog which is all bark and no bite. I 've asked repeatedly for them to take their legal action and let the courts decide, but they just keep calling.
On XX/XX/XXXX I purchased XXXX roundtrip airline tickets from XXXX to XXXX leaving on XX/XX/XXXX & returning on XX/XX/XXXX. The purchase price was XXXX {$1700.00} ( XXXX dollars and XXXX cents ). The amount taken XXXX ( service provider/airline ) from my credit card was XXXX {$1800.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents ) on XX/XX/XXXX please see Schedules A, XXXX and B, attached. 
Since I initiated this transaction through XXXX, I called them to inquire about the over charge on my credit card in the amount of {$94.00}. Their records showed only a payment in the amount of {$1700.00} so they tried to contact XXXX @ XXXX to clarify this, with no luck. Since XXXX representative was unable to get a hold of the airline he asked me to contact my credit card company to initiate a dispute for said overcharge in the amount of {$94.00}. 
On XX/XX/XXXX, I opened a dispute online with Citi and mailed backup to support this claim. Case No. XXXX. 
On XX/XX/XXXX, I visited XXXX website in order to select seats for our trip and found out my reservation was cancelled by the airline ( please see reservation status on Schedule C attached, it reads " XXXX '' in XXXX, which means Cancelled ). I tried to contact XXXX customer service department @ XXXX with no luck. I called XXXX to verify this new information and they confirmed vendor cancelled my reservation. They asked me to contact XXXX immediately to request a refund. 
On XX/XX/XXXX we drove to closest XXXX offices located at XXXX airport to discuss the cancellation. The representative confirmed the reservation was cancelled and provided screen shot of the airline 's system, see Schedule D. 
Since vendor cancelled my reservation I needed to make sure a refund was processed so I initiated a dispute with Citi Cards Billing dispute department for the full charge on my credit card in the amount of XXXX {$1800.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents ) processed on XX/XX/XXXX, see Schedule E. 
Citi Cards billing dispute department sent me a letter resolving that the vendor did n't agree to refund my money because they said I requested a cancellation, which I never did ( see Schedule F ). 
Due to the cancellation of my reservation without my request, I had to buy a separate set of tickets on a later date at a higher price. Since my credit card company has n't credited the purchase amount to my account and it is not protecting my interests by allowing XXXX to keep the money for a service that I will not receive because they denied to provide, I 'm asking for your help to resolve this issue.
Dear Equifax, I am requesting the removal of this bankruptcy ( below ) on my Equifax credit report due to Civil Case XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX., XXXX. XXXX XXXX XXXX XXXX XXXX, I did not know the source of their information on the Bankruptcy and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy ASAP. 

Bankruptcy Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that this Bankruptcy listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.
I sold my house XX/XX/2018 and paid off all my bills. XXXX  XXXX notified the credit bureaus I paid my mortgage off but credit bureaus say they did not. I had my credit report run & they show as of XX/XX/XXXX I made no more payments which means XXXX  XXXX did report to them. I have spent hours on the phone with all of them. They go through my report and finally say they can not help me because they dont know if Im me or not even though they pulled up my credit report with the information I gave them. I even talked to a supervisor who asked me a bunch of questions I could not answer off the top of my head. Like what I owed to bank, credit cards etc. 
I want to buy a trailer but because of their unprofessional behavior my score is bad when it should be excellent These credit bureaus need to do their jobs and quit lying when they are wrong and ignore the problem.
My wife and I opened a Home Equity Line of Credit with XXXX  XXXX NA in XX/XX/XXXX. 

In XX/XX/XXXX, XXXX XXXX sold this HELOC to Rushmore Loan Management. 

Now, I am trying to obtain a copy of the Loan Note from either party ( Rushmore Loan Management or XXXX XXXX NA. ) XXXX insisted they faxed me this document on 4 separate occasions and that they also mailed it to me. To date, I have received no faxes nor any mail. Today, they ( XXXX ) told me over the phone that they do not have the loan note and never received a copy of it from XXXX XXXX XXXX. They offered to contact XXXX XXXX and see if they can get a copy. I am starting to think they are purposefully delaying sending the documents in an attempt to keep me from refinancing. 

XXXX XXXX offers no help whatsoever, only a PO Box that you can write to. Their customer service centers have no information about the loan, nor do they provide any suggestions, other than writing a PO Box in  XXXX, Minnesota. 

I have been working on collecting this information for 3 weeks and have been continually told by XXXX that they had the info and were faxing it over. Today they've changed their story and said they do not have the document I need.
RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX XXXX Whoconducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
An account with Greensky Trade Credit , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA was established for financing a home repair project via XXXX. I never received a bill for the completed project therefore, I had to personally contact the establishment to inquire. During my telephone conversation with Greensky, I was directly told the specific reason was directly due to an improper mailing address. They further stated that the correspondences had been returned to them a period of five months had elapsed. XXXX financed the project via Greensky. Therefore, there are two addresses listed on all documents. There are a physical address of the property and are my mailing address. These addresses were established at the initially from the onset of financing the construction. I repeatedly asked a representative of the company during my conversation with her why an invoice had not been sent. She justified action due to an incorrect mailing address. Prior to ending the conversation, I was told that an invoice would be mailed. To date, I have still not received the documents. A day after my conversation with the company representative I received an email alert notification of an adverse thirty-day delinquent credit report. In addition, a second adverse repot was listed on my credit report. An individual from the company whom identified as XXXX telephoned and left me a voice message in references to the account. The voice message directed me to return the telephone call. Upon retrieving the message I immediately returned the call. However, I did not speak with XXXX directly but another representative. I provided the reason I was calling and an email for any additional communications. The representative assured me that the message would be relayed and I left a voice message to ensure full communication of the issue. The company still refuses to provide me an invoice and any additional documents but they are being allowed to submit two adverse thirty-day delinquent credit reports.
There is an address on my Equifax credit report that is incorrect. I have never lived in that city in my entire life. I know the street name is XXXX and the city is in XXXX, Michigan. This is the address I 'd like removed. Please investigate and let me know what I can do to get this address removed. It 's not on my XXXX report. Not sure if it 's on my XXXX report. I appreciate your help. Thank you.
. XXXX XXXX 2015 I took in my {$57000.00} XXXX to XXXX and traded it in for a {$22000.00} XXXX and {$13000.00} cash to my understanding unbeknown to me a contract to Westlake financial my car get impounded Westlake pick the car up inform them that they stole my car from the police impound and I had no idea who they were they made me to pay them {$23.00} to make a long story short they charge me repo fees for my first payment was due for a contract that I did n't even know I had before it was all over the charge me 19 times for repose and my car was never even repo XXXX I paid {$22000.00} an extra repo fees then my car. Police impound again in XXXX my car got impounded again Westlake picked up my car again from police impound I called to ask how much money I owe them they told me how much money do you have I said XXXX I said hold on and then told me that I told him they needed to {$3300.00} this time I told him I did n't have it then I 've ended up paying in the money I want you to auto auction to pick up my car where I always pick it up at they said it was n't there 's call Westlake I called Westlake they told me I was at the XXXX and to go pick it up when picked it up there was no registration no plate on it so I took it down and got it reregistered about a month and a half later the police showed up at my house saying they were running my plate that my vehicle was reported stolen then a left and then it came back and they said they want to run the VIN and it came back stolen supposedly I should have all the paperwork another card with money in my name for nine months and that I traded to my car in for it and everything and the police took it upon themselves after seeing all the paperwork in the impound with all my paperwork instead some car lot reported it stolen I received a notice in the mail telling me they recovered my stolen vehicle at the police department and you come get it upon trying to get it back from the police department they informed me that it was still being held for evidence then I spoke to the detective on the phone he told me that it looks like I can afford the car and he was going to give it back to the finance company so I called the finance company two days later and they had already sold it my car payments were never late they had no reason to repo my vehicle I feel that this unfairly stole my vehicle I paid {$84000.00} total on that car I have all the receipts and I want my car back so now I 'm left with no car and my money is just out the door please help there 's more to the story but it wo n't fit please let me know what you can do I never broke the contract I have all receipts they charged me for recovery fees beforebfirst payment was due plus 19times for repost fees at XXXX to XXXX each time they 'd give me run around when trying to herbaceous back pass call around office stole my belongings out of car refused to give car with out full fees plus I paid 9 months of payments at XXXX they acted like collections hung up on me gave fake names when I asked whom I spoke to and later called back to speak to that person and telling me that person do n't work there they lied Alot
I closed the account but capital one had told XXXX is that the account was closed by creditor. However, all the other credit bureaus show accurate information that I closed the account.
On XXXX/XXXX/2016 cust received a alert on her phone informing her of {$900.00} worth of charges on her Macy 's account. 
- XXXX called Macy 's and informed them charges were fraud. 
- XXXX submitted info requested by Macy 's which included PR and Identity Theft Affidavit certified mail on XXXX/XXXX/2016 and also faxed info because they stated they never received info. 
- XXXX has been receiving bills monthly from Macy 's for fraud charges and recently received collection notice this week. 
- XXXX called Macy 's on XXXX/XXXX/2016 and was on the line for about 3 hrs until she was transferred to XXXX with the Consumer Protection Group at Macy 's. 
- XXXX stated she would place a note on collection file, process info and to allow 2 billing cycles for charges to be investigated and be removed, case # XXXX.
Procollect accepted the terms of the payment sent which were VERY clearly stated when they posted the payment to the account. The terms of the agreement should NOW be followed.
I opened a Charter One/Citizens Checking account back in XXXX of 2015 and it 's been a nightmare since. I 've been charged at least $ XXXX {$2000.00} in overdraft fees. Some I am at fault but a bunch of others I am clearly not at fault. I have called their customer service line 4-5 times throughout the months and what 's available online with the customer banking is totally different than what shows. The call I made today was in regards to XXXX overdraft fees that randomly popped up. So I called, once again to see why. I was told they were for XXXX transactions that posted on the XXXX ( not once showing me in the negative ). Needless to say they have gotten me numerous times and they can no longer get away with what they 're doing. I signed up with them because I was told the only " overdraft '' fees I would to incur with be on outstanding " checks ''. I liked that idea because I do not want to spend money I do n't have. Back in XXXX I had called asking what the overdrafts were for they told me they can occur with an instant ( XXXX ) transfers as well. I have mostly a positive running balance as you will see with the attached documents I provided. PLEASE investigate this as I am sure there are a lot of others dealing with this. It needs to stop. Thank you!
My mother, age XXXX, was contacted by DCM Services and informed they were trying to collect on a hospital bill regarding my deceased father. They told her she needed to agree to arbitration to settle the debt. 

They claim to be licensed in the state of Minnesota, but when I went to the Minnesota Department of Commerce and did a search for them using their name and license #, the portal could not locate them.
Our home in XXXX Florida sustained substantial damage during Hurricane Irma in XXXX. We settled with our insurance carrier and a joint check was issued to us and the mortgage company, XXXX Mortgage / Midfirst Bank in the amount of {$51000.00}. 

The settlement check was XXXX XXXX to XXXX Mortgage XX/XX/XXXX and the money was placed in an escrow account. In the following 6 months, XXXX has released less than {$6900.00} of the insurance proceeds, despite repeated requests for payment to contractors and reimbursement for out of pocket expenses. 

The last six phones calls have resulted in requests for information that was previously sent on multiple ocassions, or promises of payment that never came. 

To date we are out of pocket over {$5800.00} and will most likely have to pay at least another {$7100.00} to avoid having a mechanics XXXX put on our property, which would impact our personal credit.
EOS CCA ( XXXX ) I have a a unverified account from. I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt XXXX purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
I have had issues with Vanderbilt mortgage for several years but the first of 2016 I attempted to get a Reverse mortgage and I was told by a loan officer that as long as I was in a RM I let XXXX go by so that put me in arrears. I was given a loan rep and she said that if I made my payments on time then she would see to getting me a extension, she did not. I have been making my payments ontime and they have accepted them. I sold the house and property and we were due to close on XXXX XXXX. The loan officer for the buyer l called Vanderbilt today she was even given my personal financial information and I lost the sale.