WillisBack/dataset-financial-user-claim huggingface dataset:
On the Morning of XX/XX/XXXX I woke p to a text via Chase Bank stating my checking account had been overdrawn over {$3400.00}. I immediately contacted the claims department before XXXX on XX/XX/XXXX to notify them that all these charges were fraudulent that were pending. I also filed a police  report with the local police, contacted all 3 credit bureaus to file fraud and social security to file fraud and stolen identity. These charges started out with a {$2.00} amount increasing to $ XXXX- {$800.00} transactions which is not more normal spending habits. The charges occurred starting from an online wiring company to transaction in XXXX and XXXX for hotels. The claims department told me to rest assure they would get my money back. Someone also posed as me and contacted Chase to up my limit to use my account to make these transactions. Over one week going by of me having to contact claims, escalation team, executive office and several local branches I finally got in Chases words a temporary refund. Their executive team told me my case was resolved all funds were refunded and they were closing the case. 3 months go by and on XX/XX/XXXXI wake up to the funds be reversed by Chase Bank. I immediately contacted them and they said they notified my via mail of this reversal which I never received because if I had I would have contacted them right away. Now I have been pushed around and blown off the past month in a half with all my money taken again and my account left in the negative which has trashed my credit, caused my bills to be late, late fees ... literally destroying my life because of Chase Bank not protecting my hard earned money I entrusted them with. I am filing this complaint on behalf to get my money back that chase owes me. They have threatened to also close the account and turn over as a charge off to my credit and send me to collections for something I did not do. I will not stop going after Chase until I receive my money back. I trusted my money with Chase and they did not do there job securing my money.
Got behind on my credit card, got put into a program with XXXX to pay off my credit cards. Wells Fargo has received written communication about that and I have updated all the info to use them online. I get between XXXX-XXXX calls a day from this number ( Wells Fargo ). This has been going on for a month and it is abuse. Do not contact me anymore.
i have my student loans with navient i have XXXX loans XXXX federal and XXXX private. i have started to pay more on the private loans because the interest is 13.65 %. i have had XXXX loans since 2004 and that have n't paid down that much. as a matter of fact XXXX has gone up. after i started paying extra they start holding my normal payments, which are auto pay, instead of applying them. they did n't do that before. i know that they are doing this to drive up the interest.
I have attempted to lift a security freeze on my credit report with Experian numerous times both online, by phone, and via mail and I never am able to have the freeze removed. There is no person to speak with by phone and the company never correspondence concerning the matter. This causes much duress in attempting to transact when all  XXXX  bureaus are needed for a report.
Ive paid off all my balances with CapitalOne, but they have not submitted the information to Credit reporting agencies. Im trying to purchase a new home and this information is keeping my score lower than it should be. It upset me that I was charged interest after my balance was at XXXX. I called to have it waived, but CapitalOne refused, so I paid. Its been a month now and the information is still there ( the last balance ). If they submit the information, then my score would increase. I need CapitalOne to submit my XXXX balance information to XXXX, XXXX  and XXXX asap! Calling them will not change their procedures or help me with my problem. I found this Credit Card company is late submitting information to the Credit Reporting companies, which is a disservice to the American people. They should be investigating on this issue alone. I have 2 accounts with them ; 1 is through their parent company and another through XXXX ( which they are the parent company ). Any help you can provide would be greatly appreciated! Thank you!
My Credit Report dated XXXX XXXX, 2015 is showing several delinquencies for late payment. These periods are a part of a XXXX modifications. My Bank of America contact person for the modification told me that they are fixing all these once the modification is approved but I still see these payments marked as late. I send a letter to the bank disputing the late payments because I was never late and they send me a letter telling me that the information that they provide to the credit report is accurate and that information is the same as the credit report that I was dispute with them several months ago.
Here are my present concerns with Equifax : 1 ) Equifax did n't disclose this threat for more than a month after it happened. 
2 ) Equifax directed me to a website where I could learn if my personal information was stolen, only to give me a canned answer that does n't tell me if my personal information was stolen. This is misleading. 
3 ) I have read that several executives at Equifax sold company stock after the hack was discovered internally, but but before it was announced publicly.
I bought a new coop unit in XXXX. I have repeatedly asked PNC Bank to set me up for paper statements and they have yet to do so two months later. My mortgage loan is # XXXX. All I need is for them to mail me paper statements to the property address.
I submitted a written request to Experian to delete all other names other than my legal name, social security number and addresses with attached proof, it was denied stating it needs to be on record. The information they have is inaccurate and have provided all necessary documents needed to make corrections. Furthermore I disputed an collections account that is not mine I have resolved the issue with XXXX, they are stating the collection account is mine but XXXX fraud department has investigated and declared the account as fraudulent.
On  XXXX   XXXX ,    2017  under the guise of " 0 % APR for 12 months '' I applied and was accepted for a credit card with Navy Federal Credit Union. I was doing a balance transfer to avoid paying interest for 12 months from another bank. To be clear, there is no reason I would have ever applied for this card had I been informed that I would be paying interest right from the start at an even higher rate than the credit issuer I was transferring from. I was mislead by a representative over the phone and by dubious and unclear marketing materials that were on their website. I have tried to resolve the issue with them but they have said that unless I have the promotional code, there is nothing they can do.     Here is a link that I found which was exactly what I was expecting the terms of the credit card to be.     https : //www.navyfederal.org/srenlisted/includes/SROcreditCards.php
I transferred approximately $4800 worth of BTC to my Coinbase account from XXXX. I received messages on both ends that the transfer was successful. Then when I checked my Coinbase account, the money was not there. I called and complain with sheer panic that the money had just vanished. They informed me that somehow the money had been transferred to XXXX, and sure enough when I checked there was money there. So I proceded to try to withdrawal the full amount, and it showed an error stating that was an error withdrawing from XXXX and that I should transfer to Coinbase in order to withdrawal. So I did that, but then then things got even weirder. I couldn't convert my BTC to USD at all in order to perform the withdrawal. So for days my money was stuck as BTC which was steadily dropping. Finally I called again, and the lady said she had no idea what happened and had to make a ticket for an advanced technician to investigate the matter. The next day I had $XXXX  even in my USD wallet. I was again so excited that the nightmare was over, but when I went to withdrawal the money, it said that I owed $XXXX still. I didn't understand at all how I could owe any money let alone $XXXX, especially while I had XXXX  already in the account. It gave me 4 ways to pay, my credit card, 2 of my wifes credit cards, or I could subtract it from my XXXX USD wallet. Anyway I tried every method, now it says I owe 0 dollars, but I can't withdrawl still because it says I owe 0 dollars. HELP ME PLEASE!! I think they stole my money, or got hack and are trying to cover it up.
On XXXX XXXX of 2015 my savings account at Citibank was hacked into. XXXX unauthorized withdrawals of {$500.00} and {$300.00} were made by unknown individual. The problem was reported to Citibank via the phone the next day. The bank declined liability for this and have not reimbursed me for this loss. According to the research I have done, they are responsible to reimburse me for my loss, but they are denying.
Call Trans Union customer service they were not willing to help did not authorize inquirys would like credit bureau to provide name number and extension and reason inquiry is not deleted here is a list XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
I was laid off a few years back and fell 2 months behind. I've been keeping up with payments but can't catch up on the 2 past payments. I wrote letters asking if they can put the owed balance to the end of my loan. They never answered back and keep adding charges. I'm up to XXXX in back pays. They also never sent me a mortgage coupon booklet for XX/XX/XXXX so I continue paying what I paid a month for XX/XX/XXXX. They're not helping me at all. I'm in desperate need of help. I am supporting XXXX kids with no help and it's impossible to catch up with all these penalties. Please help. My loan is with pnc
I took out a small loan then lost my job, not even 2 days after the loans was to be paid back i got a very nasty threatening email saying they were going to garnish my check and take me to court and charge me almost XXXX! i didnt even borrow {$1000.00}! I dont know what to do or what they can even do. But never go through ace, they are a horrible nasty company.
I noticed an incorrect item when I received free credit report from Transunion. I contacted data provider ( XXXX XXXX ) immediately and data provider resolved the issue after reviewing the facts. Data provider notified me that data provider will take care of notifying to credit reporting agencies including Transunion. I called Data provider to verify and confirm that they have notified credit reporting agencies and data provider confirmed that all data has been updated with credit reporting agencies. I did not get any notification or revised free credit report from Transunion even after filing dispute with them. But another credit reporting agency, XXXX resolved the issue as soon as data provider resolved the issue. 

Transunion did not take any action on this even after I disputed this specific item online using their website XXXX 
1. I expected notification or revised free credit report from Transunion after incorrect information has been corrected. This did not happen. 
2. I expected an email notification from Transunion after I disputed this item. There is no notification from Transunion. 
3. I am checking the status online daily few times and do n't see any kind of update except that their target date is sometime in XXXX. 

When data provider and another credit reporting agency XXXX XXXX XXXX confirmed that they resolved these issues, why is Transunion not taking any action and why are they ignoring my requests or service provider updates? 

I hope practices of these credit reporting agencies will be reviewed and their standards will be improved to ensure that customer information is kept up-to-date with data providers. There is no need to waste consumers time for data synchronization issues between credit reporting agencies and data providers. I am hoping that Transunion will review data from data provider and take prompt action on this matter. It is really frustrating consumer experience dealing with issues like these that should have never occurred.
I owed {$140.00} to XXXX when I lost my job and home, National Cedit Adjusters are trying to collect {$280.00}. I spoke to someone originally on XX/XX/XXXX, she said I could pay the {$140.00} and it would be paid in full. I asked them to send me that in writing and I would immediately pay it. In XXXX, I started getting calls again, but no letter. Gave them my brother 's address in case letter got lost in mail. In XXXX, after calls started again, I answered and told them no payment without a letter. They tried to email me a letter from someone's XXXX account, still trying to get {$280.00}. Told them I wanted paper copy for {$140.00} or not paying. They now call 3 or 4 times every weekday, about half a dozen different numbers and get hateful if I answer.
These calls are for a relative that does not live with me, nor have they since 1973.
The lender had agreed in an email not to deduct {$290.00} from my bank account on XXXX/XXXX/16 and the payment would be due on XXXX/XXXX/16 and XXXX/XXXX/16. However, on XXXX/XXXX/16 they deducted the money without authorization and in contradiction to the agree payment arrangement. Now they are ignoring my calls and emails.
XX/XX/XXXX, I secured a vehicle loan Toyota Motor Credit a/k/a XXXX XXXX XXXX. ) In XX/XX/XXXX, I became ill and filed for Chapter XXXX relief. My car loan was not a part of the Chapter XXXX Plan. In fact, my plan specifically stated that I would continue to make my monthly payment to Toyota, which i did. Even though I made all payments to Toyota and did not default on the terms of the loan, Toyota/XXXX reported my " account '' as " part of chapter XXXX bankruptcy '' -- so it shows up as a derogatory account. I disputed this error with XXXX XXXX and they were unsuccessful - Toyota refused to fix their error. 

I called XXXX XXXX XXXX directly ( on three-way conference call ) with my bankruptcy attorney and we both explained to at least 5 different people that they were reporting my account inaccurately and sent a copy of my Chapter XXXX plan showing that my car loan was not included in the plan. They acknowledged that " while my loan with XXXX/Toyota was not a part of the plan and even though i was making payment, they were required to report as part of the bankruptcy. '' I paid off the full loan amount including interest ( prior to the contract end date of XX/XX/XXXX ) and it still shows up as derogatory.
I had a collection on my credit report, I disputed it and was given a code that said : Deleted - This item was removed from your credit report Remains - This item was not changed as a result of our processing of your dispute. 
Updated - A change was made to this item ; review this report to view the change. If ownership of the item was disputed, then it was verified as belonging to you. 
Processed - This item was either updated or deleted ; review this report to learn its outcome Credit Items XXXX Account Number : XXXX Outcome : Updated meaning the only update that was done is that i paid it, It should not be on there to start with, I moved 2 years ago and they sent all the bills from the emergency room to my current address but this one, it was sent to my old address, as soon as i saw the negative on my credit, i called them and paid it, They told me the bills were sent to my old address, As you probably know, when you go to the emergency room you get many different bills, If i do not receive it I ca n't pay it.If you look at my credit history you can see I 'm never late and pay all my bills, XXXX requesting for this to be removed and all i get is that it was updated because i paid it. Thank you for all of your help. : } I do not have any supporting documents.
Hello everyone my name is XXXX XXXX and I had a Business account with Wells Fargo which soon sky rocketed down because I was not informed that this third party would have access to my account to take out funds for a credit/debit card machine, So as they began to withdraw funds, I was being over drafted every month {$34.00}. I called the bank to ask about the situation and I was told that the funds that was causing my account to over draft was for a " cash register '' that I never received. So I asked them who gave them the authorization to go into my account to take out the funds, so they then told me that they were going to get in contact with the third party to stop what was going on but it never happened. So that left me no choice but to close out the account, which made my daily income to go from $ XXXX- {$20.00} because most customers used debit/credit cards and not cash, which made me lose customers. With me having XXXX kids, a XXXX father, XXXX husband, and this being my " first business '' made it very difficult for me to have time to go open up another business account somewhere else. One day I had to close down to go open another account with a different bank, and when I went to XXXX and XXXX XXXX XXXX I asked them did they have any third parties that they hired for the card machines and I was told Yes. So since the bad experience with Wells Fargo I lost trust with banks and this third party having access to my business account, which meant I could not accept no more debit/credit cards for my restaurant. Which left me no more business and bad credit because of them charging me for closing out the account and the credit card machine that I have today. So if someone can help me with this issue with Wells Fargo or just maybe my experience can stop the banks and there third parties go into peoples accounts taking out funds.
Inquiries on my credit report was removed by Transunion and placed back on without proper writing notification, which is against the law. I would like those inquiries removed please. Thank you.
This account was my second mortgage. It has been paid in full; however, the lien holder states that the payments were late. I went through a Deed in Lieu with this mortgage company and the payments were slowed because of that. Please have all late dates and times removed from my   XXXX   and TransUnion reports.

  XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA  XXXX 
  XXXX   XXXX  
Date Opened:  XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Mortgage Account
Loan Type: SECOND
MORTGAGE
Date Updated:   XXXX   
Payment Received:   XXXX   Last Payment Made:  XX/XX/XXXX 
Original ChargeOff:   XXXX   
Pay Status: >Account paid in Full; was
a Charge-off<
Terms:  XXXX  per month, paid
Monthly for 180 months
Date Closed:  XX/XX/XXXX 
>Maximum Delinquency of 120 days in  XX/XX/XXXX  and in   XXXX   for   XXXX  <
High Balance: High balance of  XXXX  from   XXXX    to    XXXX  ;   XXXX   from  XX/XX/XXXX  to   XXXX  
Estimated month and year that this item will be removed:   XXXX  
 XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX    XX/XX/XXXX    XXXX     XXXX       XXXX    XX/XX/XXXX   XX/XX/XXXX
Barclaycard blocks consumers from using third party products to access their financial data. I have a right to manage my finances as I see fit.
ATTENTION DISPUTE DEPARTMENT USCB CORPORATION ADDRESS :  XXXX   XXXX   XXXX   XXXX , PA  XXXX   XXXX  #  XXXX  PHONE :  XXXX   XXXX  Your company have violated FCR A 615 ( f ) ( 15 U.S.C. 1681m (  f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items  may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person (  company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section  1681c-2 of this tit le has resulted from identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A   ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.   A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section  1681c-2 of this  title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.   The reference items are listed below please take this matter very serious   XXXX     XXXX  AND  XXXX  AND ANY OTHER ACCOUNT ASSOCIATED WITH THIS I have report your company to  XXXX  As a form of record and I am prepare to sue your compan y Example In re   XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act  Litigation, Case No.  XXXX , in the  U.S. District Court fo r the  Southern District of Calif ornia USCB CORPORATION Stop collection proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX  SOC SEC #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , FL  XXXX
Experian has been reporting unauthorized and fraudulent inquiries. Someone has been using my name, social security number, and personal credit reporting information to apply for goods with banks.

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
We have been trying to obtain a mortgage modification with Wells Fargo for a while. We were approved for a modification but because of a medical emergency we were not able to make our third trial payment. I contacted our home preservation specialist and she said that she would check to see if we could be a little late on the payment because he would be returning to work after a short time recovering from his XXXX. She said it was fine but that was not correct and we have not been able to get a modification approved since. Wells Fargo was more than happy to work with us when housing values were very low, but as they began to rise, they seemed to become less willing to help us. We have gone through several layoffs and periods of unemployment as well as XXXX medical emergencies-XXXX, XXXX and XXXX had a XXXX in XXXX 2014. Luckily, he has recovered from all and we are both working for stable companies and just want to stay in our home and begin making payments. We currently have a mortgage with a rate of 6.625 % and if we are able to stay in our home, we are willing to keep that rate and have our missed payments added to our mortgage. We are not looking for a handout or principal reduction. We just want to get everything back on track. Please help us. We have XXXX kids and love our house. It has been a very difficult time these past years and we want to begin to move forward and start making payments. Thank you for your help
XXXX - XXXX. 

I sent {$180.00} and paid {$15.00} for a one business day and the money wasnt delivered as promised and it did not get to the receiver until today.