WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2016, my husband drove my son 's XXXX to XXXX in XXXX, NC. I followed him so we could leave the car there. After receiving a call from XXXX, the owner, that the car was ready, we went there, paid the bill, and left. Over the next few days, the car began to run nearly as bad as it did when we initially dropped it off. My husband and I went to XXXX to ask XXXX XXXX about the repairs. This is when the problems began. We agree the radiator repairs were completed satisfactory, but there have been consistent issues with how poorly the car runs. Since our initial claim with XXXX and Chase, we have consistently been denied any form of resolution. Chase finally indicated we needed a third party appraisal. My husband contacted XXXX other repair facilities, but after receiving Chase 's final denial letter, my husband called the XXXX repair facilities and no one indicated that Chase had made any form of inquiry. My husband requested that Chase provide us with written documentation explaining their findings as to why they denied my claim. My husband finally spoke with XXXX, a female at Chase. She denied any additional information and stated that since I had received the final denial letter, she would not discuss the issue any further and refused to provide any verbal communication or written documentation explaining their findings as to why they denied my claim. I have provided additional documentation with this claim. Chase has provided no help to me, the consumer, but had rather defend the business rather than their customer. Additionally, XXXX claimed we had not contacted him about this issue after the initial repair and he also told this to Chase. I have included a copy of the XXXX 's certified receipt where my certified letter to XXXX was received.
I used my card to order a product over the phone in XXXX 2016. In XXXX 2016 when I noticed another charge, I called the company I ordered from XXXX to advise them that I did not receive the product yet. I was told they would track it and have resent to me. That never happened so on XXXX16 I filed a dispute with Netspend to get my money refunded as XXXX was giving me the run around. I was initially told that the claim would be complete within 45 days. Netspend continues to advise me that they are working on the claim but it has been past 45 days and still no resolution. I am also getting the run around from them as well. They refuse to tell me the process or what steps they have taken to get this resolved.
XXXX XXXX, XX/XX/2015Dear CFPB, I use the HSBC bill Pay from my checking account. 
On XXXX XXXX and XXXX XXXX I made XXXX payments. They mananged to pay the XXXX ... but I am still missing {$2000.00}. 
XXXX XXXX : {$120.00}. XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX have now spent over XXXX hours on the phone with HSBC associates and they now say its the Bill Pay vendor that is the problem and they are trying to trace my money. 
HSBCs vendor is their problem -- HSBC is responsible for paying my bills. 
Today I have now ( after XXXX more min on the phone today ) requested that the {$2000.00} be returned to my account ... HSBC says that they may be able to return {$1000.00} -- to my account -- in the next few days., but the other payment XXXX XXXX. ( bills are to be paid in XXXX bus days ) .has been processed and I will need to wait yet another XXXX days for the bill to be paid. I pointed out that this will mean that they have held {$1000.00} for XXXX days. My Credit card, has not received this payment.. 
Today the HSBC associate said that they had a new BillPay service and that I was suppose to " refresh '' my Bill Pay list, however he could not tell me what I had to do to refresh the list. All of my payees remain the same ... The only changes have been internally at HSBC. 
I have done everything I can possibly do ... Over the weekend I spent XXXX hours on the phone with HSBC, I have excahanged Bank Mail. XXXX XXXX HSBC associate hung up on a conference call with my Credit card rep. XXXX At this point I dont know what you can do, but I wanted to register this complaint.
We 're a XXXX based in XXXX XXXX. We recently purchased some custom glass from a vendor in XXXX. When the items arrived to our customers location we noticed they were all broken and could not be installed. We immediately contacted the vendor and provided them with videos and pictures of the damaged goods. The vendor at not point in time tried to correct the problem or issue us a refund. Instead they tried placing the blame on the shipping carrier ( XXXX ). At no point in time did our company make any arrangement with XXXX. All our communication was with the vendor directly. XXXX however did come to the site were the glass was delivered and confirmed that glass was indeed broken and could not be used. At that point in time XXXX decided to pay out the claim directly to XXXX XXXX. Unfortunately XXXX XXXX insured their package incorrectly as you will see in the emails attached. They were supposed to have insured the package for {$25.00} per pound but only did {$2.00} This only allowed XXXX to payout {$2.00} for the claim which is clearly not enough to cover our damages. All this information was passed on to our bank CHASE/VISA. They stated to us that they would open a claim and try and collect the funds back for us. A couple of months into the dispute process were contacted by CHASE and informed that we had won the arbitration and that the temporary credit would not be permanent. Fast forward a month or so later and CHASE has now taken the money out of our account. Now all of a sudden they 're telling us that we lost the claim in arbitration and that they provided us the incorrect information. We can not see how it is possible to have lost this claim when both the XXXX XXXX and XXXX have confirmed via email that the glass was indeed broken. We really need your assistance in this matter. 

Thank You
I have continued for weeks calling Southwest Credit Systems to get the fraudulent account that was set up in my name cleared from collections. I have spoken to Southwest on two occasions to verify I have a fraudulent account. They have confirmed that I do have an account, every time I get transferred to the fraud department there is only an answering machine. I have left dozens of messages with the fraud department and they have not called me back. I am trying to get all XXXX credit companies to clear this collection account that was not made by me. I am unable to do so because Southwest collections will not work with me, or call me to work this situation out.
A woman called from XXXX to MY WORK numberXXXX todya XXXX/XXXX/2015 at XXXX XXXX XXXX times. She would not say her name, her company or what this was about. She wanted to speak to my supervisor and claim if I did not provide payment today she would go to my HR department.
I reported a fraud claim to US BANK on XXXX/XXXX/2016. Their policy is to provide provisional credit in 10 business days. They have yet to do that and they have n't sent me anything in the mail regarding paperwork, etc. 
I have spoke with them on numerous occasions up until XXXX/XXXX/2016. 
Nothing has been resolve.
I applied for a  XXXX   XXXX   XXXX  credit card in  XXXX   XXXX ,    2017 ( Ref  #  XXXX  ). I checked my application status online and also over the phone. My application status was " In progress '' for two weeks, until its status changed to  " Cancelled ''. American Express t hen asked for " a letter on original letterhead from your bank confirming your home address, including their title and signature. ''  American Express had  also asked for such a letter during a previous application in  XX/XX/XXXX , at that time I got a letter from the financial institution where I ban k (   XXXX   XXXX   XXXX   )  and I faxed it t o American Express ( fax num ber  XXXX  ).  American Express ac cepted the letter and approved my application.    So this time that American Express asked for the letter again, I faxed in the same letter, but they  kept not accepting the letter. I asked  XXXX   XXXX   XXXX  for an updated letter and faxed it again to   American Express, but they rejected the letter again without providing any reason. I am wondering why a letter that religiously meets all the criteria American Express requested, is being rejected for no reason.
Attached to this complaint there is a copy of the letter American Express sent to me asking for letter from my bank, along with the letter I got from my bank and sent to American Express.
i, let my family member get service with XXXX several years ago. they ran up a bill .i did n't know until collection agency sent letter .after the second XXXX i payed a settlement. now the third XXXX wants more money.
After approximately 8 years of being with Sears Platinum Credit Card, having never missed a payment, with the exception of a week in XX/XX/XXXX, and recently by one week this Month both due to Medical issues, as I am XXXX XXXX, and my wife is XXXX, and being a XXXX, Sears CLOSED THE CREDIT CARD ACCOUNT AFTER 8 YEARS OF ON TIME PAYMENTS, an employee by the name of XXXX, claimed that it was those " XXXX late payments of less than a week in both cases, this year '' NEVER TAKING INTO ACCOUNT, LITERALLY, that we have never had late payments over the previous 7 years. 
SO they decided to close the account based on a review of THIS YEAR. 
And to ad injury to insult XXXX invited me to reapply in a local Sears store, and when I reminded him that I was XXXX XXXX he suggested reapplying online.
XXXX XXXX continues to pursue this debt that is time barred and created from identity theft on a authorized user. They have a computer generated report ( hearsay information ) with wrong amounts and dates. I have informed them on several occasions, and proven to them that their information is inaccurate and they continue their pursuit. I am now having to go to court. I spoke with their attorney who has given false statements and does not do what he says he 's going to do
I was released from State tax debt and Federal tax debt by filling out an innocent spouse forms. The credit bureaus have stated that they are either paid or released, which I did n't pay them I was released from those debts. And they are still on my credit reports. I feel that they should be completely removed from my credit reports since it was never my debt, it was my ex husbands debt from his business which was not in my name. And XXXX credit bureau does n't have that these tax liens were released from my name.
On XXXX XXXX, XXXX I checked my Equifax credit report and noticed that my credit score decreased by several points due to a recent change. Upon checking the alerts, I noticed that several accounts that had been deleted from my report were added back on to my Equifax credit report. I then went on to check XXXX and XXXX and saw that they did not do this. This was clearly a problem specifically with Equifax. I called Equifax and spoke to a representative who informed me that there is nothing she can do and that Equifax is not the source of the problem. I would also like to mention that I never received a 5 day notice of any items being added back to my credit report. This mistake caused by Equifax has caused my score to decrease and has also re-aged the accounts that were at one point removed. I demand that Equifax remove these items from my credit report AGAIN and keep them removed as they have caused enough damage.
I have disputed and asked to remove AES student loans form my credit report with XXXX. I am asking because the account does n't belong to me. The account was transferred without my knowledge.I am asked for it to be removed.
I applied for a Barclaycard XXXX XXXX XXXX XXXX XXXX online ( a United States credit card ). The next day I got a voicemail from Barclaycard security asking me to call back to verify details about my application, but they left a different callback number. I searched for that number online and found nothing associating it with Barclays. This lead me to be concerned that I had had personal information stolen. 
Because this was n't clear to me from the phone call, I called Barclays main customer service number to attempt to verify that the number they had me call back to was the appropriate main number. My only objective in asking for them to verify this information was to determine if the call I got was legitimate so I could call back. Instead, I was asked a series of personally identifying questions, and then told my card had been rejected. This was not my desired outcome, but it is not my primary concern ( although they did say that they were rejecting my application because I did n't sound like a man, which is concerning ). 
Here 's my problem XXXX bear with me, this gets a little tricky to describe ) : During this phone call, I was asked to provide " other phone numbers associated with my credit bureau statement. '' I provided XXXX numbers. XXXX number was my parent 's number, the other was an alternate number XXXX XXXX XXXX XXXX that rings through to my phone. I was thereafter placed on hold. Immediately after being placed on hold, my XXXX XXXX number rang with the phone number XXXX XXXX XXXX XXXX. XXXX The person on the other side of the line identified themselves as calling from XXXX XXXX, and asked to speak to my mother ( by name ). 
This was such a bizarre occurrence, I started to question whether or not this was a legitimate credit card operation or whether I had been scammed, and whether my identityhas been compromised. 
And I never did get the basic thing I was calling for ; verification that the original phone call I got was from a legit number. 
Any help in developing an understanding of whether or not my identity has been compromised would be appreciated. 

Original page was at XXXX*An online search associates this number with Barclays in Delaware, only in XXXX and on no official webpage.
Wells Fargo is reporting to the credit bureau that I have XXXX missed payments and that my account is closed??? I have paid any past due balance and my account has been current since XXXX XXXX. They are not reporting this to the credit bureaus. Also, they are stating that it is part of my bankruptcy when they were released from ( reaffirmed ) at least 4 months ago. 
Also, they are continuing to charge me PMI on my loan even though my loan started in XXXX and this was suppose to be done after 5 years. They are telling me now that my loan has to be at {$79000.00} before they will remove the PMI payment??????
I received a credit card statement from key bank on XXXX/XXXX/2017 for a XXXX XXXX card that was closed or supposedly closed 4,5 or 6 years ago??? I spoke with Key on XXXX/XXXX/17 at XXXX XXXX and they said that the account was closed and it was a glitch in the system, I asked them to send me an email or letter stating that the account was closed, they said they could n't or would n't do that?? they gave me a reference number that means nothing to me. I am concerned that someone may try or had used my excellent credit history!
On XXXX and XX/XX/2016 my credit report is showing inquiries from XXXX company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of Company Date of Inquiry Type of Business XXXX XX/XX/16 and XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
In XXXX, I sent XXXX certified letters to Portfolio Recovery at XXXX different addresses requesting Debt Validation for a debt they are trying to collect from me. I specifically asked for " Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. '' I did not receive anything but another letter from PRA stating my name - last XXXX of my soc - and the amount they say I owe. Due to the way PRA has treated people in the past, I do not trust them to tell me the truth and not try to take me for a ride.
I made a reservation with XXXX XXXX for a trip I had coming up. When I made the purchase, my account was XXXX dollars negative so I was aware that I would get charged one overdraft fee of XXXX for the purchase of the airline ticket, which was fine. I made the purchase and the pending charge was for XXXX. Two days later the charge posted on my account as three separate charges of XXXX each resulting in 3 over draft fees instead of one. I immediately called XXXX and inquired about the charge. They got in contact with XXXX XXXX and both said there was only one charge of XXXX and my bank institution charged it as 3 separate transactions. When I called the bank, I got transferred a total of 7 times explaining the situation over and over and eventually got disconnected. I called back and got transferred another 3 times explaining the situation only to be told that they cant dispute the charge nor can they take the additional over draft fees off. This is the second problem I had with the bank because of overdraft fees that were incurred because of them. I will no longer bank with 5/3 bank nor would I ever recommend anyone to bank with them. Their customer service is very unprofessional.
Filed disputes against XXXX XXXX XXXX about collections containing in accurate information. Investigation took longer than 30 days and Equifax report as correct by verification through an online 3rd party system and did not speak to original creditor to verify the debt. XXXX was able to delete these same accounts and was unable to get the correct verification so they actually removed them.
I contacted AD ASTRA RECOVERY on XX/XX/2018 in regards to a collection on my credit report that does not belong to me. I have been a victim of identity theft and I'm requesting for this collection to be removed from my account as it was not me. The company stated I need to file a FTC dispute and then fax them over the documents.
Equifax irresponsibly stored and lost my personal information such as my SSN, name, address, etc. Equifax lacked any substantial or modern security within their systems and stored data in an insecure location. My personal information will now circulate throughout sources on the internet for the rest of my life. Equifax has not provided me suitable protection for such a data leak, with only a single year of free fraud alert services. Data like a SSN can never be changed, making a single year of protection almost completely useless. Comprehensive fraud alert services cost at least {$20.00} a month. Going forward, I would have to invest tens of thousands of dollars for simple basic alert protection over the course of my life due to this breach.
Transunion, XXXX  and XXXX  are reporting incorrect information on my credit report.
there is company palisiades collections that is trying to sue me, for a debt that is 14 years old. sent a judgement to fill out papers to garnish. I have not heard from the original creditor since XX/XX/XXXX. and then a judgement to garnish was sent to the wrong address my parents address. I know there is a statute of limitations. but isn't this a violation.
I obtained homeowner 's insurance from XXXX XXXX XXXX. Attached to the policy was a notice that I did not receive the lowest premium possible due to information listed on my credit report. XXXX of the XXXX items listed as factors in my not receiving the lowest premium were incorrect. It included a phone # to call XXXX for information. I called the #. Instead of answering my questions, the XXXX employee read a long-winded script to me XXXX times with every item they use to determine insurance premiums, except, of course, for the credit report premiums increases. Finally, I demanded to know who to contact to get the information about how much my premium increased due to the credit report. She went away and came back with TransUnion as a response. I filed a complaint with TransUnion. Instead of addressing my issues, TransUnion came back with a nonsensical response. If they were agreeing that there were errors on my credit report, they made no offer to correct the secret Insurance Score Report and inform XXXX that I was charged an excessive insurance premium and am due a refund. Bottom line, TransUnion is providing XXXX ( and likely other insurance companies ) with an XXXX Score Report. They refuse to provide this report to consumers and refuse to answer questions about how much insurance premiums are increased based on the report. The report could be totally wrong ( even be for the wrong person ), but there 's no way to dispute it because they keep it secret. FCRA does not specially address Insurance Score Reports, but some safeguard must be in place to prevent TransUnion and XXXX from jacking up insurance premiums based on incorrect information contained in a secret credit report. Of course, they benefit from monetary gains by not doing so.
On XX/XX/XXXX, I emailed Coinbase to follow up about a balance transfer of any bitcoins from my old account to my new account. They responded on the same day saying they will process and follow up. I didnt hear back, so I contacted them on XX/XX/XXXX. On XX/XX/XXXX I followed up to see if there was any progress. They responded back and said that the issue has been escalated and a review will typically takes 5-7 days, after that they will confirm that my issue has been resolved. I did not hear from them. I reached out today, this time with a phone call, and was told Coinbase was backed up. The representative also said she placed my issue as high priority. 

This has been happening for a few months and I dont know how much bitcoin is in my account now.
I had a student loan with National Collegiate Student fro XXXX. I was unemployed and unable to pay them. I tried to get the loan deffered but the company gave me the run around to who was managing the loan. Two different agencies filed adjustment against me in court for two different cost.
XX/XX/2018 I received a letter from American Express Consumer Care, Fraud Department, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX after applying for the XXXX XXXX XXXX from American Express Credit Card.

The letter states, " In order to continue processing your application, please supply the following information : Your home address. Please provide a letter from your bank confirming your home address. To ensure timely resolution, please ensure the letter is on original letterhead from the bank and contains the following : *The banker 's name, title, hours of availability and signature. *Confirmation of your home address *Main number to the bank branch *An extension or personal line to the banker when applicable. '' It also states, " This information is essential to your protection as well as our records ... Please include reference number XXXX. '' I called the fraud department and was unable to get any details about why my application was immediately sent to the fraud department. I informed XXXX, Fraud Department Customer Care, ID number XXXX, that his request was a violation of the Patriot Act, Privacy Act, to have a 3rd party who doesn't even know me verify my address. I asked why his company didn't just request a Drivers License or bank statement. His only reply was " other bank 's write them, try a different bank. '' This letter request is a violation of my privacy, and I have the right to know why my application went directly to a Fraud Department.