WillisBack/dataset-financial-user-claim huggingface dataset:
I closed my {$500.00} limit credit card account # XXXX with First Progress Credit in  XXXX 2016. This was a secured card ( I paid the {$500.00} upfront ). I contacted First Progress in XXXX 2016 to indicate I wanted to close the card due to the fact I no longer needed this card. I was asked multiple times to please not close the card, however to clI was insistent they close my account and I paid the {$330.00} balance at the time. I asked if I needed to contact them back regarding any other issues to close my card, they stated it could take 30 days for any accuring interest to show. I called back in XXXX 2016 and asked if any unpaid interest was I was told may card was closed and I had a {$0.00} balance, and if any accrued interest occurred I would be sent a bill. I received no bill. I did receive mulitple solicitations to reinstate my card, which I declined. I recently pulled my credit report and after XXXX 2016 First Progress charged me a {$38.00} fee- never disclosed to me and never billed. I contacted them to indicate this was inaccurate and they stated an annual charge must have accidently been applied after my card was closed.I belive this is a fraudulent practice in an attempt to knowingly charge a fee once I closed my card, and worse yet they reported it 90 days late. I am so dissapointed at such a shameless attempt at defrauding hard working people. And STILL it is on my credit and has dropped my score nearly XXXX points! For a secured card that I had a {$500.00} deposit on! They stated they would send my my secured deposit within 30 days, it took nearly 8 months to receive my deposit- once again a shameless tactic.
I am going through severe financial hardship. Barclays Bank continues to call demanding outrageous sums of money that I can not afford and threaten to continue to report negatively to my credit report if I am unable to. They are refusing to offer a reduced payment plan or anything that benefits me. I spoke with a member of management named XXXX XXXX who basically told me " too bad '' and she is not obligated to help me and my only option was to pay the amount due. Other banks have understood and have complied and are working with my current situation, Barclay is not. I have had an outstanding history with them for many years and instead of helping a loyal long time customer, I have lost half of my credit line and am being treated like a criminal.
I received notice of the " termination of funds loading capabilities on your Serve account ''. I do n't understand why my account has been effectively closed as all functions have been removed. 

I currently have over {$1000.00} and am unable to link a checking account to withdraw the funds. I 've spoken with numerous customer service, technical support, and account protection representations, but none have been able to help me in linking a checking account to withdraw my funds. 

I would appreciate my Serve account being reinstated for both loading and withdrawals.
who is not our deposit or loan customer ... ... .we may charge them a fee .... '' Does this mean {$.00} or {$XXXX}? I feel this misleading, ambiguous, and not within spirit of " full disclosure ''.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX TO WHOM IT MAY CONCERN ATTENTION DISPUTE DEPARTMENT : Your company have violated FCRA 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 title 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 XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Called collection to make payment arrangements. Was asked year I was born, from where the monies would come from and they needed bank information. They would do payment plan but I needed to give bank information so they can withdraw monies directly.
This company ( XXXX XXXX ) is not able or unwilling to provide me with monthly statements that show amount paid, interest charged, amount applied to principle, and new balance for monthly on-line payments on my Lowes advantage credit card.I talked to a customer service rep ( XXXX XXXX ) and she said that I should be receiving monthly statements in the mail or by E-mail if I had selected that option on line.Several weeks ago I selected the option of receiving them electronically on line but that has not been successful either so I have no idea how they are applying my monthly on-line payments.I expect that when I make payments on -line I should be able to read a summary of all monthly statements to date on line.Their site has a selection labeled summary of activities and statements but all that shows is the amount of past payments and dates rec'd.Therefore I have no information about how each on-line payment I make is applied to the previous month 's balance.
Bank of America solicited me via their website for opening of a checking account. The solicitation included an offer of {$300.00} for the opening of a new checking when there are XXXX direct deposits of {$2000.00} apiece. Their terms included a mention that deposits should come from an employer or an outside agency. I had XXXX deposits of greater than {$2000.00} within the XXXX month of opening the account, and yet, no reward deposit. I waited for processing times, and then began to look into the issue, at which point I was informed by customer service, including a supervisor, that my deposits were not 'qualifying ' and that I would therefore not be receiving the new account promotion. I informed them that I had a copy of the original terms, and they were unwilling to resolve the issue by crediting my account with this promotion. I was told that the promotion was entered on XXXX ( which is a week after the account was opened ). XXXX of the qualifying deposits was received on XXXX, and I think the holdup on the processing is due to the delay on Bank of America 's part in properly coding my account. I received conflicting information from a supervisor, who attempted to then tell me that the promotion was processing, but failed to provide me with concrete resoution to the conflicting information and did not provide a timeline for when I could expect to see the credit. I feel this is textbook 'bait n switch ' advertising, and that their institution hoped I would go away or did not have my ducks in a row. I have attached a copy of the original promotion as well as activity statement showing the deposits.
On XX/XX/2018 My XXXX   XXXX Retirement of {$500.00} is always deposited. 
I have attempted for 4 months to Transfer All The Required Information from Wells Fargo and to a different bank!! BUT!! every month that deposit goes to Wells Fargo?? 
In XX/XX/2018 I went to the HQ offices and with one of the Ladies together we completed ANOTHER TRANSFER DEPOSIT and my Pension was By XXXX FORMAL Requirement was sent to a Different Bank. WRONG!! Some way Wells Fargo received the Deposit and on the 2nd day ( XX/XX/XXXX ) again the deposit disappeared????? That is the money I pay and have been paying for many months to XXXX XXXX apparently owned by Wells Fargo? This is More Fraud, Theft, Conspiracy.

These Attacks, Fraud, Theft, Conspiracy should result with ALL THESE PEOPLE in Federal Prison for 10 years!!
I have disputed a fraudulent account listed on my credit report twice, and I am still fighting to get the account removed. I provided the identity theft complaint as supporting documentation with the XXXX dispute, which included the police report number, and XXXX 's name who filed the report. I have explained to them that the police report with the identity theft complaint is XXXX pages total, and that 's why I have n't sent the actual police report. Equifax used the same identity theft complaint to place a security freeze on my file, but I still have to go through XXXX to get this fraudulent account removed, that is included in the identity theft complaint as fraudulent. I called the creditor yesterday several times before they could even find this account in their system, and when they finally located the account, they admitted that they received the identity theft affidavit on XX/XX/2016. This account was removed/blocked by Experian on approx. XX/XX/2016, and creditor was notified by them. I called Equifax again yesterday after talking to the creditor ( XXXX ), and told them that XXXX is acknowledging that this is a fraudulent account, so how do I get this removed. Equifax told me that I would have to send a copy of identity theft affidavit/police report with a request to remove the fraudulent account, also a copy of ID and social security card. Even though I have provided a copy to them, and again, this was the same identity theft report they used to place security freeze on my file, I faxed it to them again because I simply want this account removed so I can get on with my life. This account is damaging my credit!!! This is not even my account, and I have gone through XXXX to clear my name of fraudulent accounts/information that has caused enough damage to my life. No identity theft victim should have to go through this, calling credit bureaus/creditors in tears over what should have been resolved by now. I called Equifax again today XX/XX/2016, and they ca n't even confirm they received the block request, all the other documents they requested, which was faxed yesterday. I wanted to make sure they received what was requested/required to resolve this fraudulent account, and they ca n't even tell me that much!!! They said I have to wait XXXX hours to even find out if they received the fax. What do you mean XXXX hours? This is beyond ridiculous. And this is the same information they were given already, because they used it to activate my security freeze. Do I have to take legal action to get this fraudulent, inaccurate information removed?
back in 2008 when then the banks fell like XXXX it was of corruption going on with banks like XXXX it was some illegal things going on with clients debt like mines have assurance in case I lose my job they suppose to cover me but doing that time my identity was stolen some debt collectors claims which I don't owe them. [ the name company was XXXX XXXX ] for some reason they got a default judgement against me claiming I owe them interest and paying their time for gas and other things. please call me I need your help. they garnish my XXXX XXXX wages which they was not satisfied XXXX XXXX dump them for being dishonest please call me XXXX XXXX XXXX my name is XXXX XXXX. sincerely thank you XXXX XXXX.
My brother suffered a massive XXXX on XXXX/XXXX/XXXX. His ex-wife added herself to his checking account without consent from him. I am his sister and I became POA on XXXX/XXXX/XXXX. As I was going over all his financial and personal business, I discovered she had spent from his checking account {$140000.00} over a three year period. I visited the branch on XXXX XXXX where the branch manager name is XXXX XXXX. Once he gave me a copy of all the transactions, I questioned the transactions and he responded I need to get an attorney. I did XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX Attorney at Law. XXXX XXXX sent several inquiries with no result. I then contacted XXXX XXXX, the President of US Bank, on XXXX/XXXX/XXXX. He sent me a text to my cell phone to let me know " the situation is being investigated and we have turned over items to your attorney. I can check but not sure what all I can do locally its now in hands of your attorney and our legal ''. As of date, I nor my attorney have received such information. My brother has served 25 years in the XXXX and he entrusted US Bank with his retirement funds. He has been in a XXXX home for 3.5 years, and I just purchased him a home in XXXX Indiana. He needs his money now so he can try to live a normal life once again. What I want US Bank to do is put in writing how they protected my brother 's checking account according to their US Bank Protects listed below : U.S. Bank Protects You Your protection is the highest priority for us. Our state-of-the-art tools and monitoring system ensure your identityis safe. Verification : when you change an address, for example, we request specific information about you to verify your identity before making any changes. Account monitoring : irregular account activity ( check orders, address changes, heavy withdrawals ) prompts a phone call for confirmation. Fraud detection : we have account-monitoring tools that recognize ID theft. We regularly receive information about known fraudulent addresses and phone numbers, and we compare them to new account requests and account changes. Communication : we contact you regarding any suspicious activity associated with your U.S.Bank account ( s ) I will forward all my correspondence upon request as there are too many to upload. Thank you
I received a voicemail today ( XXXX/XXXX/XXXX ) from a number I did not recognize which was a recording stating that I was in default on a tax bill and a bill collector would be coming to my home. It told me to call their number immediately. I called back very upset because I dont owe taxes and have heard of this scam before so I demanded to be taken off their list. I was informed by the man who answered that it was intended to get me to call and that he was from XXXX XXXX XXXX. He laughed at me while he said this because I was so upset that my voice was raised. I was shocked at him laughing and at this deception so I hung up and immediately sought out a way to report the company. I am paying a small monthly amount on a credit card balance they are trying to collect. I have been in contact with them before and they know Im paying but they continue to call me multiple times every day. In this instance I believed that a tax debt would be due to a municipality or the federal government. Clearly they impersonated such a department in order to get a reaction and it is an obvious violation of the Fair Debt Collections Act.
I got behind on my payments on my second and third mortgages. Under threat of foreclosure I forwarded Chase checks to satisfy all due amounts on XXXX XXXX, 2016. I did not hear that my checks were received or cashed until I contacted a Chase representative on XXXX XXXX, 2016. At that time I was advised that the amounts that I had looked to be enough to reinstate XXXX mortgages. I was advised that XXXX mortgage would clearly would be reinstated. On the other mortgage the representative was uncertain as to whether I sent enough money 's in. He advised me he would contact me should additional fees or monies be needed. The representative did not call me as he indicated he would. 
In early XXXX I received a letter from Chase dated XXXX XXXX, 2016 that indicated both mortgages were referred for a Foreclosure Process. 
I sought information as to when a Foreclosure process might have been filed and was advised it was filed on Recorded on XXXX XXXX, 2016. 
As noted above, the checks that I wrote to Chase were dated XXXX XXXX, 2016. XXXX of the checks had the date written as received on XXXX XXXX, 2016, and stamped for processing on XXXX XXXX, 2016. This particular check was not processed by my bank until XXXX XXXX, 2016. 
The other check, dated XXXX XXXX, 2016, was noted as being received on XXXX XXXX, 2016, but not stamped for processing until XXXX XXXX, 2016. My bank processed this check on XXXX XXXX, 2016. 
I wrote Chase additional checks on XXXX XXXX, 2016. XXXX of the checks indicates it was received on XXXX XXXX, 2016, but was not stamped for processing until XXXX XXXX, 2016. My bank did not clear this check until XXXX XXXX, 2016. The other check is not available to me. But, my back indicates it was processed by them on XXXX XXXX, 2016. 
This week received monthly statements from Chase which indicated a monthly payment was required by XXXX XXXX, 2016. These payments under XXXX mortgages were mailed on XXXX XXXX, 2016, and XXXX XXXX, 2016. XXXX billing invoices indicate I am current on monthly payments noted. 
Unfortunately, Chase continues to pursue Foreclosure procedures and I continue to be contacted to by real estate agencies, and attorney offices. 
At this time, I really do n't understand why Foreclosure procedures were ever recorded based upon the information a Chase representative provided me on XXXX XXXX, 2016. Furthermore, I fail to see why Chase would pursue such an option when the information they provide me clearly indicate all delinquent payments have been received. Moreover, Chase not only received delinquent payments but the amounts of moneys sent them far exceeded what was due. 
As of this date I have been advised that my property is set for sale on XXXX XXXX or XXXX, 2016. I want to know how Chase can do this when no further funds or fees are owed them. 
Your help in this matter would be appreciated.
The company called my wife and XXXX daughters Phone several time after I spoke with them and asked to verify the debt in writing this has been going on for 6 mo
A Merchant Service of Hospitality, such as XXXX XXXX XXXX XXXX of XXXX XXXX XXXX Maine. Located at XXXX XXXX XXXX. XXXX XXXX XXXX Maine. XXXX, XXXX A hotel that claimed to do extended stays of Winter Rentals turned me down to rent a Hotel Room, by stating I was denied due to my credit and or other financial information. 

Correct me if I am wrong but a Hotel Or Motel, can not pull your credit. 

Is this a discriminatory practice? 
As I am of a protective class, on more than one level. 

Hotels, usually just process your credit card and give you a room, even on an extended stay. I need to know if this company had the authority to perform such an act, using my Visa debit card. I can not understand why they would need to process my credit card, as these funds are made immediately available each time, I use my card, and put on reserve for each Merchant Service. Is this company set up to perform this act properly? 
Regards.
I have been trying to get an issue resolved with the bureaus in regards of some accounts that aren't mines, I have been a victim of identity fraud and there has been several situations of unauthorized accounts coming up, the bureaus tell me to send a ftc report to get them remove so they have proof I filed a report. I want these items permanently blocked and removed from my report, I took precautions and blocked my reports added security and fraud alerts for my protection.
I took out a loan from Care Credit in order to pay dental bills. When I took out the loan it was for 24 months with no interest. XXXX I paid my payments to GE Capital. Beginning XX/XX/XXXX, it changed to Synchrony Bank. I paid on time every month. In XX/XX/XXXX I noticed my statement stated that my free interest has expired. I called and the man I talked with, told me the contract had changed. I have never heard of a contract being able to be changed. We argued back and forth for awhile and then he said " If you pay {$280.00} now, we will consider the bill paid in full. I wrote them a check for {$280.00} and put " paid in full '' on the entry. Yesterday I received another bill with the {$280.00} credited and a new balance of {$180.00} at an interest rate of 26.99 %. 
I am XXXX years old living on a fixed income and do n't like to be lied to and taken for granted. I 'm sure they are doing the same thing to other people. I am absolutely positively sure I signed up for 24 months of payments at no interest. I hope you can help me and I look forward to hearing from you soon. This illegal payment is due XX/XX/XXXX. 
Thank you.
My identity was stolen in XXXX of this year. The identity thief tried to set up an account with XXXX on XX/XX/XXXX. This resulted in a hard inquiry on my credit report with Trans Union.  After many attempts to dispute it, I was advised to obtain a " Letter of Deletion '' from XXXX and forward it to Trans Union so that the fraudulent inquiry could be removed from my credit report. 

Then came many phone calls to XXXX and getting the runaround. Finally I was advised to send all identifying information, social security number, drivers license, police report and various other documents to their address in XXXX, NM, which I did on XX/XX/XXXX. Their response was to dispute any errors with the credit reporting agency. 

On XX/XX/XXXX I spoke with their agent, XXXX, at their XXXX phone number, who advised me to send all the information to their legal department in XXXX, WA. I did so on XX/XX/XXXX. I receive the same ridiculous response! 

In my final letter to both addresses on XX/XX/XXXX, I again explained the situation including attention to a XXXX XXXX at the NM address. As of today 's date, XX/XX/XXXX, not even a response!
Nation Star Mortgage bought my mortgage from XXXX XXXX XXXX several years ago. I have n't lived there for over XXXX years and it has been in various stages of the foreclosure process for years. Nation Star changed the locks on the doors, so I ca n't get in. 
On XXXX occasions last week, someone has left a hand written envelop with information from Nation Star on the front porch of my current house. They have hand written " Personal and Confidential '' and my name on the envelope, but there is no identifying information of who left it or how we can contact them. They are trespassing on private property to leave these envelopes. When we contacted Nation Star to find out about this practice, they refused to answer any questions or let us talk to a supervisor. My husband, who owns the property they are trespassing on, does not have an account with them, but they would not acknowledge having someone deliver these documents to his house. 
This is unprofessional and seems predatory to have hand delivered items left on a door step with no identifying information. That the company refuses to answer questions about their practices is also troubling. If they are authorizing this type of behavior, they should be able to acknowledge this is their practice to anyone who asks - especially someone who has had it happen to them. Also, to not allow us to speak to a supervisor, or someone other than the phone rep who has no authority, is horrible and leaves people feeling helpless. We will call the police and report the trespasser if they do it again, but they should not be treating people like this.