WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX- started XX/XX/XXXX- XX/XX/XXXX someone used our XXXX XXXX credit card number in and around XXXX, XXXX. Our entire family was in the United States at the time. We have other charges on the account that our ours and that were used by presenting my card in person during this time period. When we discovered the issue initially I told them it was fraud. The card was cancelled, balance transfer to a new account and we were sent new cards. The card was not working at some point and I had to call them and learned about the fraud. They closed this account and issues new numbers etc. along the way I contacted some of the accounts on here that were fraudulent and the XXXX said they would be more than happy to give all to information to XXXX in order to resolve and the said they would. My understanding is that they never even reached out to the XXXX to inquire. I asked if I could speak to the person reviewing the fraud to answer any questions. The XXXX XXXX customer service said they would reach out to me. I received a letter stating that they did t not believe this to be fraud and that I had to pay the charges. They never contacted these companies. In fact, I dont know that they looked into this at all. I need help getting them to do a more thorough investigation and recognizing that these are not my charges. Since I was in the US with my cards this had to be someone who stole my cc number and cloned a card. Whatever the scenario I really need help assistance.. Here are the charges. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Please see attached photos of my credit card bill during the fraud that shows I was using it. Not only that XXXX should have asked me to keep my cards or should have called me right away to check where the card was. I called some resources for help and both the police and the bureaus say that your number can easily be cloned or skimmed and ported to someone elses name, or punched in and replicated. I need help to get to look into this more thoroughly and show proof and explain why you think this not fraud. I want to see signatures, copies of cards, me on cameras at some of these places in XXXX. I would like thisnrighted please Thank you in advance for your assistance with this matter. Sincerely. XXXX XXXX
I noticed unauthorized inquiries on my report. Equifax,  XXXX  did not do a proper investigation or provide me with any validation
US BANK XXXX XXXX XXXXI am making a complaint in regards to my card Central Bill Account - XXXXBusiness Credit Card - XXXX. 

I paid {$60.00} for annual fee on XXXX/XXXX/2015. Per card member agreement, I have not received my anniversary XXXX points to my GOLD account : XXXX am pretty upset about the elimination of benefits and the poor marketing US Bank has done in regards to this card. In addition I do not get my annual bonus points. 

Please update my account and deposit the XXXX. 

Thanks. 

XXXX XXXX
I had a credit card from Best Buy ( credit provided by XXXX ) that I paid and closed back in XXXX 2013. I 've been contacted over the last year by XXXX claiming I owe Citbank for this same account in the amount of {$420.00}. I provided proof XXXX ( copies of my credit report with identical account numbers reflect Paid & Closed ). They still refused to remove the collection from my credit report. They claim that Citibank is saying it 's valid. But when I contacted Citbank they tell me they never had any communication with the collection agency that has the account. I have going back and forth for almost a year trying to get this removed and so far no luck.
While attending the University of XXXX, in XXXX, I was forced to take a leave of absence due to a major family tragedy. Before leaving, I made sure to pay every dollar of every loan I took, so that my balance was XXXX. Two years later, I attempted to go back in order to complete my degree, in the fall of XXXX. Financial aid was now much harder, I had no choice but to take out approximately {$14000.00} for my first year- a combination of Federal ( Stafford , Perrkins ) and private ( Citi Assist ). As, I did not have financial support from home, after two semesters back in school, I realized that I could not afford to finish my degree. I was not able to focus on my studies with the stress of needing to buy food and worrying about not having a place to sleep. Therefore, once again, with no other option, I left XXXX for good, in XXXX XXXX, giving up on the dream of finishing my education to financial hardship. Not only was I not able to complete my degree, but I now had {$14000.00} debt over my head. I was sad to be forced out of school after trying so hard, but I had no choice. I took on three jobs, at time four jobs, and began paying off my debt with any money I had left after paying basic living expenses. I worked 24/7 to pay off my new college debt, and for the first 5 years knocked down my debt from {$14000.00} to approx {$8000.00} in various Citi Assist loans. When I struggled to make payments, my debt was transferred to a collection agency. I begged for help but they wouldn't budge. Finally, I managed to to reach a settlement and consolidate ALL OF MY LOANS INTO ONE LOAN, in the summer of XXXX. which I paid off in blood sweat and tears, bringing my balance down to XXXX. To my horror, despite having PAID MY LOAN IN FULL, my credit report reflects that there is still some Citi Loan. This is a brutal mistake, as everything has been paid already. I have records of this, and I received a letter stating " I paid ALL of my citi loans ''. I am desperately looking for my old hard drive from 7 years ago to find these documents. 
I can not begin to describe how unjust, unfair, inhuman, and cruel it is that after everything I've been through, and having working harder than anyone can imagine, and having paid all my debt in full, there still appears to be a debt on my credit report, which has caused me more damage than I ever explain. 
I plead with you to look into this matter and see how cruel and unusual this is.
Was eligible for a  XXXX  dollar payment on my harp loan ( DI-TECH ). Processed the Harp form near the end of 5 year term for bonus and DI-TECH incates they are waiting for the federal government. My 5 year term ended in  XXXX  and I have no answers.but th e one d escribed.     Loan #  XXXX  Harp Mortgage.
I received a bill from XXXX wireless I kept disputing but it comes back verified and updated.i kept disputing debt and never received verification that debt was mine.it has been sent to several collection agencies and keeps being updated. Recently debt has been updated to XXXX 2015 as a current debt.
I find mistakes in my credit report and would like to dispute inaccurate information in my credit report about Duplicate Information with XXXX XXXX Bank for an Auto Loan of {$10.00}, XXXX + that appeared that I owe double what I really owe and it surely affected my credit score from XXXX ( Excellent ) to XXXX ( Good ). 

Thank you and hoping for your kind consideration on this matter.
i had an acocunt with PNC some years ago. this account had disputed charges. many ovr draft fees were assessed to the account. i would like to pay ONLY what is owed and my legitimate charges. i would like an itemized list of charges and overdraft fees need to be delted. im a single mother and i dont have much money. i really want to fix my account with XXXX and PNC never fully resolved account issues before closing the account and assessing unfair fees
Orginally I had an amazon synchrony bank  ( GE Bank   spinnoff ) with credit limit of {$800.00}. The bank reduced my credit limit several times without notification until I asked for the notification. The company stated they can reduce my limit if they choose. When my  credit score went  up they reduced my limit which brings my score down. I have kept a   XXXX    balance on the card per month and I think because they are not making money off me this is the case. I see several complaints of this on the  Amazon  user board.     We bailed out this bank and this is how they treat us?
Received letter from XXXX XXXX at Jonathan Neil & Associates on XX/XX/2018 indicating I owed {$2400.00} in damages from a hit and run that I was not involved in and in a car I did not own. The letter was non-specific other than a date and dollar amount. There was no invoice or proof provided. The letter was not sent by certified mail. The letter was dated XX/XX/2018. The letter was postmarked XX/XX/2018. Six attempts were made to contact XXXX XXXX at the number provided on letter on XX/XX/2018 but there was no answer. A message was left requesting a return call to explain above information. A return phone call was received on by phone with XXXX XXXX on XX/XX/2018 from a blocked caller. The caller ID indicated Unknown. XXXX XXXX accused me of rear ending a car and they are seeking payment from a unspecified California association. I asked what is part of their information obtaining process and if a police report is a part of that. She indicated that they had it. I explained to her that I did not possess this car on the date that was indicated on the letter and the police report would indicated that I was cleared because I did not own the car. I inquired what bar associated they are affiliated with. I was not given a response. She said she was going through 100 pages. I  requested she call me back when she has all the facts because I was at work. XXXX XXXX told me that I was being snotty and that she was trying to help me. I made mention of them sending legal documents by certified mail as I received the letter XX/XX/XXXX and the letter provided only 7-days to respond. XXXX XXXX continued with derogatory comments and I told her i would be getting off the phone. I received, again, another call from a blocked number and caller indicated it was Unknown on XX/XX/2018, again, while I was at work. She was seeking payment for the hit and run she was accusing me of. I asked if she remembered the previous conversation we had. She said, how you sold it? I replied yes. She said she ddint have any proof of that. I indicated to her that I did not feel like she was legit and that I did not feel like she did her due diligence even if she is. I told her I was hanging up now. After the first call, I contacted my insurance company. I was instructed by a licensed agent in Oklahoma to not provide my insurance information and that it is the dealierships responsibility to transfer necessary documentation to the new owners. Below are the provided documents, including the copy of emails between myself and Sgt XXXX with the Hit & Run Division clearing me of any involvement.
Company called Premier Portfolio Group continues to call me at my work after I informed them not to. I also informed them that another collection agency had taken money from me on the same account they are trying to collect on. I gave them the company phone number and contact person, but they continue to call my work and my cell phone. I have over XXXX plus phone numbers this company calls from. They are now using a number from my home state.
I have disputed the validity of a debt in writing over four times requesting proof of the alleged debt, and to date the credit bureaus as well as XXXX XXXX has failed to provide me with a copy of the bill so that I may adequately dispute the charges. The credit bureaus response continue to be " the debt has been validated '' however no proof of how they came to that result has been provided.
On XXXX XXXX, Equifax, XXXX notified the public of a massive data breach, in which they have informed me that my personal data may have been compromised. As XXXX XXXX XXXX have a duty to maintain the privacy and security of the data they hold, they have failed in this duty. I have placed holds on all of my credit reports to prevent identity theft, but that may not prevent all detrimental actions.
This account with Ford was a lease. This account was paid in full and A new account was opened with a different make of car. It reflected negatively as if it were just a closed account and brought my credit score down.
On XXXX XXXX, 2017 I received my monthly statement from Loandepot stating " unscrupulous '' information in terms of defrauding and financial gouge on our mortgage loan with a different address shown below : LoanDepot XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX We are sincerely concerned about fraudulent scam activity loandepot harassing us with our mortgage loan. The amount of our Mortgage : Principal balance totally incorrect. As we are 3 months ahead with our payments. And that is : XXXX, XXXX, XXXX, 2017. XXXX payment we made in XXXX XXXX, 2017 check # XXXX & XXXX amount & XXXX each. We are really fatigue with fraud dishonest services from Loandepot different locations we been dealt with fraudulently. We are asking for help to have loandepot investigate and scrutinize for Consumer Frauds and Defrauding us purposely. Sincerely : XXXX & XXXX XXXX ... ... Loan # XXXX Appreciate your help Thank you :
I took out a loan for {$310000.00} from  XXXX    XXXX   in   XXXX  . It was then sold to Green Tree with loan number :  XXXX  and then to  XXXX  with loan number :  XXXX , then to  XXXX  with loan number :  XXXX  and I have still not received an updated payment history from them. It is apparently now with  XXXX   XXXX   XXXX .
XX/XX/XXXX I used my credit card to paid for gasoline in XXXX XXXX. The clerk said my card was declined. I paid with cash and left. Days later, I noticed there's a pending charge on my Barclay app for the gas station.

XX/XX/XXXX I called Barclay to dispute the charges. I faxed them the receipt saying my card was declined.

XX/XX/XXXX I received a documents from Barclay. There's a copy of the receipt from the gas station with a signature that was not mine.

XX/XX/XXXX I faxed Barclay at XXXX   docs in response. I included the DBO case number in the fax cover and letter. I got a confirmation that the fax was successfully sent from XXXX. My statement was that the signature on the receipt is not mine. I included a sample of my handwriting and a copy of the driver 's license which has my signature. I indicated that the merchant 's receipts is time stamped XXXX and my declined receipt is time stamped XXXX. This meant the clerk ran my card twice and kept the first receipt. He then gave me the decline receipt. There's no other reasonable alternative as to how I received the second receipt less than one minute later, except that the clerk gave it to me as proof that my card was declined.

XX/XX/XXXX I called Barclay. They said there didn't get my fax. The rep verified the fax number and said to try again without the " XXXX  '' and wait 24-48 hours. I sent the fax to XXXX. I got confirmation of successfully sent.

XX/XX/XXXX I called Barclay. Spoke with XXXX. She said they didn't get my fax. She said to try another fax number XXXX and to mail the documents in. I asked why they aren't getting the faxes, when the confirmations said the docs were successfully sent. She said to try the other fax number, wait 2-3 days, and if that doesn't work, they have another method.

XX/XX/XXXX I faxed the documents to XXXX  and sent the docs certified XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX DE XXXX.

XX/XX/XXXX Having not heard anything from Barclay, I called and spoke with XXXX. She said I have to take the dispute to the merchant, because the merchant provided a signed receipt.

I am a victim of fraud, and I feel Barclay is trying to weasel their way out of this. Barclay is obligate to protect the consumer. If this doesn't work out, I will pursue this matter small claims court plus punitive, no question. Do the right thing Barclay. I have all my documents ready.
I have a XXXX XXXX Checking account. 

I had {$290.00} in it which I wanted to withdraw so I could close the account. So I set up a transfer to my XXXX XXXX  account for {$290.00}. 

Nothing happened. No confirmation and it didn't even show up in the recent activity. It also said there was an error with the transfer when i tried again so I instead used a check. 

I wrote a check to myself for {$290.00} and used the Mobile Deposit feature to get my funds. 

I received the {$290.00} in my XXXX account and called XXXX XXXX to close my account. 

When I called however, the woman speaking said she was unable to do so because I was overrated by {$290.00}. 

Confused by this, I look at my bank statement. The check went through perfectly fine but than the transfer went through the day after and it charged me {$36.00} in fees because I did not have enough funds. 

So I received a total of {$590.00} ( $ XXXX ) as a mistake. 

Eventually, XXXX XXXX took back the extra {$290.00} but still charged me the {$36.00} fee despite the fact that I received no confirmation that my transfer went through. 

If someone does not have enough money in their account, they're probably in a situation where they can not afford the {$36.00} and would rather have a " Transfer Declined '' instead. 

I had to pay the {$36.00} regardless and wrote a check, all because of an error on their behalf. 

They have made no efforts to right this and all I want is my {$36.00} back. 

I have screenshots showing I deposited the check first and THAN the transfer went through.
I went to the doctor for a medical condition with XXXX. I completed all of the necessary paperwork and the doctor 's office filed a claim on my behalf which was supposed to have been sent to the insurance company ( XXXX ). I never heard anything back from the doctor 's office after that nor did I get any information from the insurance company stating that I owed any money. Shortly after that visit I moved to a new address and never received a bill from the insurance company or the doctor. About one year later, I was checking my credit reports and I find XXXX entries of collection on my reports. XXXX was from PDQ Services Inc and the other was from XXXX but with the PDQ Services address and information. I immediately called the doctor office and was told that there was nothing they could do and that I would have to call PDQ. I immediately called PDQ and offered to pay the bill in order to get it off of my credit reports as I did n't want my credit tarnished from a {$230.00} bill. PDQ was paid via credit card online. After that I still noticed that PDQ had the information on my credit report and I told them that I thought this violated my privacy rights and HIPAA as it showed my potential medical condition. I asked that the entire credit line be removed from my reports as it was paid and served no purpose based on the fact that I never received a notice of a bill. Neither PDQ, XXXX or the credit reporting agencies wanted to listen to my plea. I honestly feel that I have been taken advantage of and become a victim of shoddy medical collection practices. I also think that the doctor never attempted to contact me as this could have easily been paid in the early stages if only I had been contacted. I asked the credit reporting agencies to verify the methods and they basically gave me a nonchalant answer. They claimed to have verified the collection but could n't have as PDQ and the doctor sent me a letter stating that they were not going to address my complaint. Everyone ignored my pleas after I paid the account and all they wanted was their money. They had no concern for my rights as a citizen. The credit reporting agency says that they mask reports when sending out medical information but I am inclined to disagree as I see poor reporting from them each time I look at my credit reports now. PDQ does not bargain in good faith and should have never had my medical information in the first place as they have no business associate agreement with the doctor. I asked for this but it was never given which leads me to believe that they are handling sensitive information without a need. I asked them to verify the debt after the fact and they only sent me a letter stating that the debt had been paid in full. All in all, this has been one unpleasant situation to be in as a result of a {$230.00} medical collection debt.
On or about XX/XX/2018, I contact XXXX XXXX  in order to pay off an outstanding debt. When I spoke with the collections agent, I requested a pay off of 80 % for a free and clear. The rep stated they could not do this, but placed me on hold. The rep then came back and offered a pay off amount that removed the interest and fees owed. I accepted, and paid my debt in full. 

On or about XX/XX/2018, I attempted to purchase a new vehicle. This deal was held up due to Greensky still reporting a debt unpaid of almost XXXX, even though 45 days previous, I paid off this debt with an amount of approximately XXXX. When I called to ask why this was being reported, I was told by the collections person that there was an additional amount due of XXXX. I explained this was incorrect. They pulled the call, transferred me to another department, who also listened to the call, and told me that what I stated was correct, however, the collection Manager was not going to honor the agreement.
Equifax was hacked and my information was compromised. Equifax did not disclose hack for 6 weeks.
Equifax, XXXX  and XXXX  have deleted an account off of my credit report not once not twice but three times and have been deleting the account and then a month later re-adding the account back onto all 3 of the credit bureaus. The account is XXXX XXXX. This has been going on throughout XX/XX/2018. The account was just added back onto all three credit bureaus after being deleted for the second time last month in XXXX. This is ridiculous. It sinks my score the more they delete it and re-add it. Once an account has been deleted that should be final.
This is an addendum to case # XXXX As previosly stated XXXX promised to manually remove and close account from their system. On XXXX XXXX, 2015 I received a collection letter from a company called " afni '' located in XXXX, Illinois requesting payment. So XXXX account was forwarded afterall.I demand monetary relief.
I owe only XXXX from the start of this XXXX. I made a payment over the phone, but i did not get any confirmation neither a receipt of my payment. I owe only XXXX balance but this company is increasing debt settlement more I owe. In fact, I already pay them in full this account of XXXX but to my surprise, this company is scam. bec. no confirmation and receipt provided to my payment.
Following a recent review of my credit report at the XXXX, XXXX and XXXX consumer reporting agencies, I learned that American Express ( account number XXXX ) was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted.

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since XX/XX/2008, I deserve more.