WillisBack/dataset-financial-user-claim huggingface dataset:
I noticed a mass amount of fraudulent transactions posted to my account. When I noticed these accounts I immediately notified Netspend Customer service ( XX/XX/XXXX approximately XXXX XXXX CST ) and reported what I had found out. Per the request of customer service person I spoke to ( XXXX-Rep # XXXX ) she said it would help with the investigation that I file a police report with the local departments. Due to the fact that these fraudulent transactions happened in two different counties I had to file 2 different police reports : XXXX XXXX TX Case # XXXX XXXX TX Case # XXXX CLAIM # Netspend XXXX Report # XXXX Here are the transactions that I did not perform, nor did I give any person permission to access my bank account, debit card or PIN. My card in question has been in my possession 100 % of the time, so I am not sure how these fraudulent transactions even happened. Is it possible for a fake card to be made? How does the magnetic strip of the card get duplicated? Should n't this be something an ATM Machine notices? I never check my balance via the ATM because of charges I use my app on my phone. <P/>XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$2.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$200.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$2.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$200.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$2.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$100.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX {$0.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$0.00} XX/XX/17 XXXX XXXX FREEWAY XXXX XXXX TX, XXXX {$2.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$140.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX TX {$2.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX TX {$200.00} XX/XX/17 DEBIT : BALANCE INQUIRY FEE {$0.00} XX/XX/17 DEBIT : BALANCE INQUIRY FEE {$0.00} XX/XX/17 DEBIT : BALANCE INQUIRY FEE XXXX XXXX XXXX XXXX {$0.00} XX/XX/17 DEBIT : ATM DECLINE FEE XXXX {$2.00} XX/XX/17 DEBIT : ATM DECLINE FEE XXXX {$100.00} XX/XX/17 DEBIT : ATM DECLINE FEE XXXX {$1.00} XX/XX/17 DEBIT : ATM DECLINE FEE XXXX {$1.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} On XX/XX/XXXX I heard back from Netspend telling me that they completed their investigation and were NOT going to refund me my money due to the non-consistent usage of the card. I have called 8 times to Netspend talking to supervisors and get the same story. I then called XXXX they own Netspend and told them my story. They sent an email to the escalation department at Netspend with my concerns and again they did not refund my money. I do n't understand with 2 police reports still in process how this company can come to a conclusion so quickly! This is {$1500.00} that was taken from my account-needless to say I am VERY upset with the way Netspend handled this.
ON XX/XX/XXXX I applied for credit on a used car but when I arrived at the dealership for my appt. time, they sold it just prior to my appointment and tried to sell me another car I didn't want. On XX/XX/XXXX, I looked at some cars on the XXXX and the salesperson said I qualified for one of their cars but only offered me {$1000.00} trade in on my XXXX XXXX XXXX so disgusted, I turned down his offer, On XX/XX/XXXX, I purchased a new XXXX XXXX from XXXX XXXX, but AFTER I purchased it, an additional 6 hard hits came in thru XX/XX/XXXX. These 9 hits should be enveloped? as one due ( 1 ) to the car being purchased and I was unaware that hard hits were continuing and I don't believe they were authorized. 
Second, On XX/XX/XXXX, I was pre-authorized to buy a second car which my brother and I wished to purchase together. On XX/XX/XXXX we purchased a new XXXX XXXX and was assured that we were financed by XXXX XXXX XXXX  and was and due to the XXXX holiday, and the car needing pre-delivery update we returned after XXXX and took possession of the Car. The Hard hit 's continued thru XXXX for a total of ( 21 ) which should again be enveloped? as One (! ) due to they were not authorized and for a single purchase started on XX/XX/XXXX and accepted on XX/XX/XXXX.
In XX/XX/XXXX had an accident XXXX XXXX XXXX financed by Safco was a total loss.This was report to Safco by my insurance in XXXX XXXX I had been trying to contact with no luck sent from person to person left messages on answering machine no call backs.my insurance had very hard time communicating and receiving documents back from these people.Then in XX/XX/XXXX I became upset with XXXX help located email for them we had been trying to reach up until them.they accepted a settlement which had to be redone because of poor job Safco did they misplaced paperwork now trying to charge me extra fees on top of settlements from XXXX and gap and my rwarranty refunds these took care of full balance owed on vehicle. After They tried to charge me over {$5000.00} I filed complaint with BBB because I m being XXXX XXXX XXXX quickly calls in response and rudely tells me that I still have loan with them and I need to pay XXXX I 'm filing this because there statement to bbb was that their making adjustments and I need to contact them.Any extras are their own fault poor processing of this claim.My acct # XXXXim attaching time line of communication shows how hard it was long they waited to respond.My gap insurance had the same problem. XXXX tried to help as much as possible.But Safco is just a ripoff company trying to get extra fees this company tend to do this when contract is ending.I need to know why I 'm being double charged fees.Also they reported this to credit bureaus. I disputed it but Safco continues reporting late payments.
Lexis Nexis was utilized in the month of XXXX 2016 to obtain a consumer report on me, from XXXX. One week ago, a request was made to have this report sent to me. As of yet, Lexis Nexis has failed to follow through and send this report.
In response to your CFPB statement, I am very much aware that mortgages are bought and sold regularly. I have owned 5 different properties and have never been subject to the abhorrent and reprehensible treatment associated with Selene Finance much less one that has the poor reputation as Selene Finance. 
As a XXXX XXXX Veteran there is no reason I should be subject to such deplorable actions. I served and sacrificed for this country, The actions of this company will not be tolerated. There are consequences for your actions. Any decisions about me should include me. Consumers do not currently have a voice to avoid predatory companies like Selene Finance acquiring their mortgages. If there were qualifiers and a vetting process similar to that which is required to obtain the mortgage to begin with, I am certain companies that take advantage of consumers including Selene Finance would not be able to qualify. With 200 class action Lawsuits, 2 in my state of Indiana alone, 120 million registered complaints here on the CFPB, D rated company according to BBB it is evident to see the malfeasance. The following websites were created to inform others of the true scams behind Selene Finance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Short of the investment company owners lining the pockets of the politicians it is unbelievable why a regulatory agency as not yet stepped in to stop this company from ruining people 's lives. In partnership with others affected by this company, I will make it my end goal to draw as much attention to expose the predatory methods and malfeasance from this deplorable company.
I have disputed my collections accounts with XXXX and Experian. They have not properly verified these accounts according to law. The accounts are collections accounts from creditors that I have no knowledge of. And the medical collections are HIPPA vilations for I did not sign for a third party to retrieve any information from me. On the receivable recovery they had a different doctor on the reoprt and switched to another doctor. I had never seen these doctors. I feel violated to see how easily my personal and medical information can be sold at a dime. I have also disputed inquiries that do not belong to me and verified my identity just to have a fraud alert placed on my account and say, call the person who placed the inquiry. When I call for the inquiry to be removed then the creditor say call the credit bureau. I get the run around everytime. I get alot of misleading information. When I ask for a supervisor, they can never come to the phone.
XXXX XXXX XXXX is committing fraud by re-aging ( changing the date of charge-off ) on at least one account.
I 've been paying of my Navient Parent Student loan and my account was put in forebearance without me requesting it. After looking at account and noticing that pretty much every payment 's interest gobbled up the entire amount ( XXXX interest-XXXX on principal ). I know the account accrues interest and at this rate I will never pay this loan off. What steps can I take to get the loan payoff moving in the right direction.
The company Load Depot ( XXXX ) XXXX https : //www.loandepot.com calls me continuously all day long, at least 4-5 times a day from various numbers that include area codes XXXX, and other parts of the country. When I block a number, they generate a new one. I have blocked and blocked and yet they still call. I have not called them back because I do not have an account with them and have never done business with them and do not want to give them any more information than they already have, which is my cell phone that is supposed to be on the do not call list. It's a robo-call.
On XX/XX/XXXX, I disputed the date and amount that was stated on my credit report by XXXX XXXX. I asked that the date and amount be invested because it showed an open date of XXXX. They claimed to have investigated the amount and change the balance to XXXX, but they left it on my credit report. Yesterday I checked my credit report, and it dropped from XXXX to XXXX. I can only assume XXXX XXXX is now XXXX XXXX XXXX and they are falsely reporting the amount and dates. It states I opened the account in XXXX. I never applied or signed a promissory note for any loan in XXXX. I tried calling the number on the report but it's out of order. 

I never received any documents from the credit bureaus on the results of their findings regarding the investigation, but this information is inaccurate. I would like to be provided with the original documents as proof, but the bureaus have not provided me any information. They ruined my credit by reporting false information.
My account has been paidoff in  XXXX  so how can it be reported late in  XXXX
I do not owe them any balance and would like them to acknowledge that.It is showing on my report as a charged off account.
Southwest Credit at the direction of XXXX added a negative credit entry to all three of my credit files for a alleged debt without giving legal notification of the debt. Southwest Credit alleged that they sent to me via US Mail, a debt letter concerning the debt back in XX/XX/XXXX. I am DENYING this alleged debt is mine as I have not heard about this debt and was never notified of this alleged debt until XX/XX/XXXX. 

I am a current customer of XXXX, therefore they are fully aware of my current mailing address. Southwest Credit at the direction of XXXX, sent their debt collection letter alleging that I owe a past due balance to a previous address that I have not resided at for over 5-years. I have moved three times since the address Southwest Credit sent their alleged debt letter. XXXX and Southwest Credit seems to be using nefarious debt collection practices to insert negative credit entries onto my credit reports. Again, I have no knowledge of this debt and I contest that it is not mine, nor do I acknowledge that it is my debt. As you can see on the letter Southwest Credit claimed they mailed out to me, the address they sent the letter to is not my current mailing address and has not been my address since late XXXX. I have no idea who that letter went to and I personally never received it.
their has been numerous attempts to have company EXETER finance to show proof of if account is mine and the balance owed first attempt was XX/XX/XXXX asking for documentation as it has been reported on my credit report 31 days later they only responded as verified but know proof as my account this has been reporting on my credit report as charge-offs making it difficult for me to obtain employment because of credit score i also sent letters to EXTER finance XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX but i still get same response as this is verified as your account but by law since they did not adhere to law should be delted from my credit report thanks for your help
On XX/XX/XXXX, I had made a credit card payment through my account by accident while my bank account was negative, which would would balance out in the timeframe of my direct deposit. Instead, the bank allowed that ach transaction to go through before XX/XX/XXXX and assessed an overdraft fee of {$36.00}. At this point my account was negative, but as of XX/XX/XXXX they show on their record a return of that {$140.00} amount and assessed a {$36.00} fee for returning that amount. On XX/XX/XXXX, I attempted to call US Bank customer service to discuss transactions regarding my account since my most recent direct deposit from work. They informed me the amount wouldn't reflect as being refunded to my available balance, rather on their explanation that's something they do to show in accordance to federal regulations so they stay in good standings ''. So along with showing a returned amount that was NEVER refunded, they also penalized me another {$36.00} for an ACH transaction going through. Which according to them, is the way they treat their new customers. I attempted to ask for a phone number to corporate office, and I was informed they didn't have one.
PROFESSIONAL DEBT ME ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PROFESSIONAL DEBT ME INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PROFESSIONAL DEBT ME or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I sent a money order for {$50.00} to XXXX Medical Center. I spoke to a representative by phone informing the money order number because they sent another statement that did not reflect the change in balance. They then sent it to collections when I sent a letter advising that I have already sent a money order and it was cashed and they are not reflecting the change in balance due. It states that I owe {$80.00} still. I did not file a police report yet but I am going to. The Money order was cashed Janurary XXXX 2016 it had my patient ref # and the business name listed on it. I 'm only disputing the {$50.00} I know I owe them {$30.00}. After XXXX and having my car flooded Im still playing catch up for expected and unexpected bills. I cant afford to pay something I 've already paid when I can be paying something I actually do owe.
I received a notice of credit adjustment from Citibank dated XX/XX/ 2018 as part of a class action lawsuit. The account in question has since been closed and I was instructed to call the number listed on the letter to get help with receiving my refund. When I called them they gave me another number in order to retrieve this refund from a closed account which led to me being routed to several different departments over several days. Finally the last department I was instructed to call today was out to lunch. I called back as instructed and I waited on hold for about 30 minutes before I decided to use the option to leave a message for someone to call me back. The message stated the mailbox is full and can not accept messages. I cant get a hold of an actual person to help me get my refund issued.
on XXXX/XXXX/16 I have a XXXX so why did they chg a ate fee of XXXX on XXXX/XXXX/16, and still have a pending XXXX
To whom it concerns, I would like to file a formal complaint against Citi Prepaid Services, regarding an outbound manual money transfer made on XX/XX/2016. 

The transfer was never delivered to my partners XXXX account with XXXX, and also was n't delivered to the intermediary bank, XXXX XXXX. 

We have been told by Citi Prepaid that the transfer left our account and should have been received on XX/XX/2016. Over a month ago Citi Prepaid informed us it was being elevated to their own personal investigations department and that we would hear from them regarding the status of our investigation. 

During this time frame we have heard nothing aside from that it is being investigated. We have been given zero updates with no regard for any questions we have risen concerning the status of this ongoing investigation. 

This is highly concerning as now we are worried that the money is lost or stolen and we have no support from Citi Prepaid Services in tracking the missing transfer. Their costumer services supervisor, XXXX, Informed us they can not give us a tracking number or any information, which seems unbelievable and suspicious. 

The effects of this situation go beyond just our missing money. My partner and I are damaging our credit ratings by the day, and due to a total lack of confidence in Citi Prepaid 's transfer system we are afraid to move more money into our personal accounts. 

I request that you respond to this compliant urgently. 

Yours Sincerely,
I called in regarding a debt that was being collected on. I was calling to dispute the debt and was not advised to write a letter stating the dispute. I called back in to verify and was hung up on. The third time the agent was correct in saying I needed to write a letter ; however, it was after I stated the requirement.
Was on forbearance for 3 years and Navient never indicated that there were other repayment plans available. All they said was to keep applying for forbearance and try to make payment. I accrued a lot interest. Navient was very deceptive.
I want XXXX XXXX  to answer, IN DETAIL, my questions. They tell me they have answered my questions, but if they read my letters they should understand that they really have not answered them at all. And that some of these questions have been unanswered since, at least, XX/XX/XXXX. And Ive been calling almost every month since XX/XX/XXXX when they took this account over. 

Answers of your account is right or we previously answered your questions and have not received and additional information supporting your claims are all untrue. My letter of XX/XX/XXXX gave them copies of 5 charges I made to the account. My letter of XX/XX/XXXX included a 6th receipt dated XX/XX/XXXX that was an adjustment - A CREDIT, NOT A CHARGE. 
They claimed they have matched the receipts to the statement. But there is one plan that I dont understand, I have no receipt for it ; and all they will say is that it is right. WHERE IS THE RECEIPT FOR THAT PLAN ( XXXX ) Here is the match of the receipts against the payment plans. 


RECEIPT DATE AMOUNT PLAN PLAN NUMBER STATUS : XX/XX/XXXX -- XXXX XXXX INTEREST/IN FULL 12 MONTHS XXXX -PAID IN FULL ON XX/XX/XXXX STATEMENT XX/XX/XXXX XXXX XXXX MONTH/ {$120.00} PER MONTH XXXX -STILL IN PROGRESS XX/XX/XXXX XXXX XXXX MONTH/ {$80.00} PER MONTH XXXX -STILL IN PROGRESS XX/XX/XXXX XXXX -NO INTEREST 12 MONTHS FULL XXXX -PAID IN FULL ON XX/XX/XXXX STATEMENT XX/XX/XXXX XXXX -REVOLVING NO PLAN NO BALANCES EVER SHOWN ON STATEMENTS -PAID IN FULL ON XX/XX/XXXX STATEMENT XX/XX/XXXX XXXX XX/XX/XXXX STATEMENT SAY -WHERE IS THE RECEIPT FOR THIS??? WHAT IS THIS FOR? 
-PAYMENT PLAN XXXX -PAID IN FULL ON XX/XX/XXXX STATEMENT I HAVE NO RECEIPT FOR A XX/XX/XXXX CHARGE RESULTING IN A PAYMENT PLAN. PLEASE PROVIDE A COPY OF THIS CHARGE. AND IF MY XX/XX/XXXX LETTER IS READ I INDICATED THAT THE ADJUSTMENT ON THAT DATE WAS {$230.00} CREDIT WITH A CHARGE OF XXXX TO GIVE MY ACCOUNT A {$50.00} CREDIT AND WAS HANDLED ON THE XX/XX/XXXX AND SHOULD NOT BE A PAYMENT PLAN IF THAT IS WHAT YOU WERE DOING. 

PLEASE ANSWER THIS!!!!!!! 

P.S. Sending copies of all the statements is not an itemization of each of these plans and the revolving. I sent what I was able to do in letter of XX/XX/XXXX. Answered only with " already answered '' and IT WAS NOT! 


XXXX has copies of receipts for 5 charges and 1 adjustment.
Hello, American Education Services acquired my private school loan from XXXX bank about a year ago. I have been making my monthly payments through automatic debit ( which provides a slight decrease in my apr and defaults to the amount that they expect to be due ... even if I pay ahead it 's always a specific amount ). I recently realized that breaking my payment into bi-weekly payments would help me pay off the loan sooner and with less interest. 

I contacted AES and requested that my automatic debit amount be changed. I first requested that it be taken out bi-weekly but they said they ca n't do that. I then requested that they only take out the half of the payment when they process it then ( so keep the auto debit but have it be half the amount ). And then I could go in and enter a manual payment for the rest. They said they ca n't do that. 

In no other industry have I encountered a company that wo n't let me automatically debit the amount that I request. This is unfair business practices because in order to make the payments as I would like I need to cancel the auto-debit and make the payments manually on my own which will lead to me losing the apr benefit that I am getting with auto debit. 

Thank you, XXXX