WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I paid {$310.00} at the XXXX XXXX  in XXXX, TN using my Bluebird American Express Prepaid Card that had a cash balance of over {$6000.00}. I checked my Bluebird account on XX/XX/XXXX and my balance was over {$5900.00} and it showed the transaction from the XXXX XXXX. OnXX/XX/XXXX at XXXX CST via email to my email at XXXX, I received notice that Bluebird American Express account was overdrawn and had a negative balance. I called Bluebird at XXXX XXXX CST on XX/XX/XXXX to inform them that my card had been hacked and over 60 fraudulent charges were showing on my account from XXXX XXXX in XXXX XXXX, Illinois to 22 fraudulent transactions to XXXX XXXX in North Carolina. I then asked for a summary of all fraudulent transactions so I could file a Police Report. Bluebird sent individual emails for about one-half of the disputed transactions. I also requested that my card be stopped and cancelled and asked that all pending transactions be stopped. I was told by BlueBird American Express that they could not stop pending transactions. I called Bluebird American Express 6 times on XX/XX/XXXX asking for all of these fraudulent transactions be disputed. Of my {$5900.00} balance in my prepaid account ( from direct deposits of my wages ), only {$660.00} of disputed charges were sent to me via individual email. At XXXX on XX/XX/XXXX, I went to the City of XXXX  Police Station ( XXXX XXXX  ) and spoke with Officer XXXX  to file a Police Report. I was told I need a transactional summary of all disputed fraudulent charges and paperwork from the financial institution. I called Bluebird American Express from the Police Station and they refused to provide this information or talk to Officer XXXX. I then called Bluebird American Express on Tuesday, XX/XX/XXXX at XXXX   CST to ask for a summary of all disputed fraudulent charges and was told to call the Fraud Department at XXXX. No one was available when Bluebird American Express transferred the call so I called again at XXXX CST on XX/XX/XXXX and spoke for 33 minutes repeatedly requesting a summary of all disputed transactions and any paperwork that I could complete detailing my dispute of all transactions made onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and additional transactions that keep coming in of fraudulent activity that Bluebird American Express keeps processing though they have been told that it is fraudulent. The lady with whom I spoke refused to send me a summary though I told her it was required by the XXXX  Police Department to file a fraud claim. She also refused to send me any paperwork and said she would send individual emails. I have noticed over 65 fraudulent claims on my account and yet have only received 32 individual emails totaling just {$660.00} in fraud claims though my account has had over {$5900.00} withdrawn in fraudulent transactions. I am concerned that Bluebird American Express will not reimburse me for these fraudulent transactions and they have been unwilling to help me after calling them 7 times over the past two days. Any help you can provide would be appreciated. My number is XXXX. My address is : XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX, TN 38018 and my email is XXXX Thanks
My state tax lien was vacated/expunged by the DOR, however it is still showing on my Equifax credit report. I sent a certified letter to Equifax onXX/XX/XXXX along with proof of the Expungement requesting that the tax lien be removed from my credit file. On XX/XX/XXXX I received the results of the investigation and Equifax did not delete the tax lien from my credit file. Their response was they verified the information with XXXX XXXX.I contacted XXXX XXXX on XX/XX/XXXX and spoke to a representative who first had a difficult trying to locate the file because she said it was archived. I informed her that the tax lien was expunged and no longer appeared in the DOR records or the County Register of Deeds records. The representative asked me to send her a copy of the Expungement which I scanned and emailed to her. I received a generic response stating they were currently reviewing my communication. I am at odds with Equifax because it is like pulling teeth to get them to remove inaccurate and damaging information from my credit file. Once they received the Expungement that should have taken care of it, there was nothing to investigate. My credit is suffering due to this and it is making it difficult for me to purchase my home.
I have sent a letter to them that states the debt is not mine it is over 10 years old The name the address is not correct on the response. Also requested proof of last payment, there licensed to collect debt and proof the debt is mine. no response back other than a copy of some else info I Never open any account under a XXXX XXXX I NEVER LIVED AT THE ADDRESS THEY STATE ON THE FILE. My signature does not come close. II have received calls from this company several times. Sometimes they answer other times they just listen or hang up. I have no business with them and they keep calling. I have reported other number they used to the FCC and now they are calling from a different number. My rights keep being violated They have called my son stateing that I will be arrested if I do n't comply to there demands. They have called me countless times. I have no unpaid debt and do n't know what it is about. I have returned their calls numerous times and answered the phone when they call so I can get to the bottom of this, but I can not reach an actual human being. Their outbound calls are automated. They do not pick up the phone when you call back, so you either leave a voicemail that is never returned or get an error message that does n't allow a message to be left. Unprofessional business practices .I have contact a law firm XXXX XXXX XXXX XXXX TX XXXX
I have made multiple calls to FCI Servicing ( Loss Mitigation through XXXX XXXX ) regarding the debt that was discharged through bankruptcy back in XX/XX/XXXX together with the House being foreclosed on XX/XX/XXXX. I continue receiving debt collection letters and threatening statements that they'll report to the three major credit agencies if I don't make new arrangements.
On XXXX/XXXX/2015 Exeter Finance XXXX XXXX XXXX XXXX made an inquiry of my credit file with XXXX without my concent.
I 'm the seller of a property. They buyer 's lender, USAA, chose to adopt a XXXX guideline before it was required causing a delay in the close on our house. This delay of just a couple days pushed out into the following month, costing me an extra month of interest and MI on my loan. Total cost to me is just over {$1300.00}.
After receiving a " Payoff '' amount from Beneficial Mortgage in XXXX, 2000 in the amount of {$5000.00}, I paid this amount at the agency in full. 17 years later, Beneficial reports a charge-off to the IRS in the amount of {$5000.00}. The IRS sends me an outstanding tax bill since this was reported to them on a XXXX. 

I challenged Beneficial and was told I underpaid in XXXX2000 by {$750.00} and therefore, after accumulated interest over 17 years, they decided to charge it off instead of seeking payment. I have NEVER received a late notice, balance due or adverse payment history on my credit report from Beneficial. How can they do this? The bank I paid this account through is no longer in business XXXX XXXX XXXX XXXX Bank XXXX. And even if they were, I was told, records this old would not be maintained. There are XXXX of complaints against Beneficial on the web site all siting similar experiences. What can I do?
I was given an condition offer for employment with Equinox and by using this report they discriminated against my background check using my past conviction under the " Fair Chance Act '' investigation took almost 2 months to finally get a response from the HR department including their legal department. Having said, after HR Director Mo requested some documentation of rehabilitation she did not respond or reply after involving a personal documentation regarding my past conviction. This was embarrassing, humiliation and did not give me a proper response on a decision based off the report when I requested the issue of why. After not hearing from them it would be targeting to those who are in a category and would left personal information being unnoticed. They used an ad to contain pre se violation to ease their job better. By this report and no response especially about two months for investigation in status of my conditional offer. This is discriminatory and against the law in respects of the " Fair Chance Act '' law. After submitting what was requested no response till this day has been done.
Dear Sir/Madam : I have been in the XXXX Credit Fraud. I have had XXXX credit inquiries by XXXX XXXX XXXX for XXXX. XXXX was on XX/XX/XXXX and XXXX was on XX/XX/XXXX. I  called Chase Bank and they notified the Credit Bureaus and I have personally sent in the letters from Chase Bank. They are still on my report. 

Fortunately, I had another attempt but it does not show as my credit is locked. 

I find this so disheartening as I have worked my entire life for a good credit report and I am now constantly having to worry about these attempts. 

XXXX XXXX
Thursday - XX/XX/XXXX -- In response to a direct mail invitation, I contacted XXXX XXXX XXXX about the possibility of securing a loan. I voluntarily gave the Account Executive background information that would have been needed to apply for the loan. 

At the end of the conversation, I implicitly told the Account Executive that I did not want to proceed any further than the phone conversation at that point. Before advancing any further, I wanted to talk to my husband. 

That evening I discovered that a credit inquiry was made on our credit reports. This was done even though I specifically requested no further action. In addition, one of their statements on another website : " New Day is required to reach out to the spouse, as well, in order to confirm their intent to be part of the application. '' At no time did they reach out to my husband, yet they did pull his credit report. 

I immediately contacted the Account Executive and he said I had given them approval to pull a credit report. I firmly told him that my request to hold everything until further notice at the end of our conversation was proof that he should not have proceeded any further with our application process. 

He also wrote back a sarcastic email ( almost bullying ) that : " Hopefully you will be able to address your current $ xx, xxx of credit card debt on your own and avoid another short sale situation. '' This was unnecessary harassment. My application was withdrawn and his manager called me. 

Friday - XX/XX/XXXX -- I told the same thing to his manager that the process should not have proceeded to a credit report. He insisted that I gave my permission to do so. He also told me that the hard credit inquiry was no big deal, unless we were going for an auto loan. I immediately told him that was exactly what we were planning to do on the following Sunday, which is why I specifically told them to HOLD the application. After a brief conversation, he said I would be contacted by a Compliance Officer. I am still waiting for that to happen. 

Saturday - XX/XX/XXXX -- Sent a Certified Letter to New Day asking them to withdraw the credit inquiries. 

I feel the company should be marked as one that is dangerous to deal with since their Account Executive wrote an email that was high pressure and belittling. In addition, the manager I spoke with tried to trivialize the fact that a hard inquiry was made.
I have had an injury problem since XXXX which has reduced my ability to work. 
Consequently I have had problems paying certain bills, my Capital One bill among them. 
After several late payments and collection calls where I explained my situation I asked them to change my payment due date. 
They said I had to make a {$10.00} payment ( which I made on XXXX/XXXX/XXXX ) and call them back. 
When I called them back onXX/XX/XXXXthey said I had to make a {$50.00} payment ( which I did on XXXX/XXXX/XXXX ) and call them back. 
I* called them back on XXXX/XXXX/XXXX and asked, AGAIN, to have my due date moved to the XXXX of the month and they told me it 'd take XXXX MONTHS for it to be effective!!! 
Meanwhile my payments will continue to be late and they will continue to charge me {$35.00} each. 
Thus far they have charged me a {$35.00} late fee on XXXX, XXXX, and {$25.00} on XXXX, Never once when I was getting collection calls was I told by the bank that I could change my due date. That was wholly my OWN idea.
When coming to XXXX  XXXX  I noticed a hard inquiry from PayPal I never authorized for them to pull my credit. I do not even have a PayPal account. Please look in to thos matter for me. I greatly appreciate it. 
Sincerely, XXXX XXXX
I have a checking account at Citi Bank. On XX/XX/XXXX, early morning at XXXX XXXX I deposited my " PAYCHECK '' via ATM. I received a letter via notification that my PAYCHECK funds will be available in 3-5 business days.But after I deposited my paycheck, the next day Citi Bank seized my entire account. When I called customer service they connected me to fraud department saying due to an " unusual '' activity they are not clearing this check and have held all my savings. They said they are holding my entire account until they resolve this matter Not only did they block my account they also seized my all money that I had before depositing the check. After 4 days on XX/XX/XXXX they release my cash fund and Fraud department told me to visit Bank so Bank can help Me release funds.When I went to Citi Bank Branch located on XXXX XXXX XXXX, XXXX XXXX where I originally deposit my check into ATM. I spoke to Citi Bank Manager and even I explain to her and she went through my account and told me it 's not her department and she told me I have to contact fraud department while I was sitting there I called fraud department and I let her speak to fraud department and after she hung up she said she ca n't help me. I also dial XXXX XXXX manager where my employee issue check from and XXXX XXXX Manager also confirm that the fund has been released from their side. They are not holding any amount but still she refuse to help. I asked her to give me reason why my money is been held and she gave me a letter saying my fund will be release after XX/XX/XXXX. Sir, I have family to support including XXXX little kids, my daughter is XXXX XXXX  old and my son is only XXXX  XXXX. I have not received single letter from Citi Bank saying the reason for holding my Money. I already paid {$100.00} more to pay rent since my rent check has been returned and I had to borrow money to pay rent. I have attached documents so you can evaluate my situation and help me to release my fund early as possible.
Starting approx XX/XX/XXXX I was unable to view my Equifax credit report, get a score, or lift or place a report credit freeze. I have subscription to Equifx.com 's credit monitoring produce as well as XXXX XXXX monitoring produce. In addition, I have a free account with XXXX. I am unable to view my Equifax file or score using any of these three products.
The last time I was able to view my fie was X/X/17 Every time I call Equifax, I am offered no assistance There was a one week period where it appeared the problem was resolved but for the last 3 straight weeks and 5 out of the last 6 weeks, I cant access my file
We have been long-time customers of Chase Bank in XXXX, CA, who holds our mortgage, checking, savings, safety deposit accounts. We are even rated as a " Chase XXXX ''. For the last 7 years, we have been denied to refinance our property because they said we are not eligible because we did not live in our house. Not sure why this is a reason since it is our residence and we pay property taxes on it. So we have been paying a high mortgage rate of 6.35 %. Nevertheless, when we move back to XXXX in XX/XX/2016, we immediately went to Chase to refinance ( XXXX, mortgage broker ). They said it would take no more than 90 days and lock us in at a rate of 3.25 %. We provided an excessive about of financial and tax information and we are now going on over 8 months that the refinancing has NOT been approved. By the way, we have enough money in the bank to pay off the loan so the excessive requests about our personal finances seems unnecessary. We feel the bank does not want to refinance us since they would loss money. We believe this is unethical and unwarranted.
I previously filed a complaint in XXXX 2015 - Case # XXXX with no relief from the lender, HESSA. I have tried to make more amicable payment arrangements with the lender, however to no avail. They are just not willing to consolidate, reduce a rate or make any type of reasonable payment plans for struggling young people with student debt. They had no trouble overextending credit. Please review the tactics of this entity and help provide with consolidation and better payment arrangements.
I received a letter from Hunter Warfield the beginning of XXXX  for utilities that I didnt owe. I sent a certified letter to Hunter to verify that debt as being mine in XX/XX/XXXXXXXX  and they have yet to respond with proof regarding this debt.
on XX/XX/XXXX my husband XXXX XXXX received a phone call from XXXX XXXX ( XXXX or XXXX ) representing National Credit Systems Inc she called from an auto dialer with a XXXX area code. We rented an apartment XX/XX/XXXX through XX/XX/XXXX at XXXX XXXX XXXX in XXXX and gave them notice to vacate as we had a new home under construction that was finished in XXXX and our lease was scheduled to end XX/XX/XXXXXXXX we had a balance left over from XXXX rent and I tried to negotiate payments with the in house billing office for XXXX XXXX but they would not accept our terms. I wanted to make a {$50.00} a month payment because at that time that is all we could afford. Those collection efforts started in XXXX we could not reach a resolution so they forwarded our account to collections and we were not aware of this and the collection agency did not communicate with us in writing they called on XX/XX/XXXXdemanding us to make a payment and that if we did not pay full amount or high deposit to start payment arrangement that they would report the account to our credit. feeling pressured I offered to pay {$100.00} we I spoke to XXXX XXXX on XXXX XXXX and then told her would could possibly make another {$100.00} by XXXX XXXX. She said we needed to pay at least {$400.00} to get on a payment plan that would protect this account from reporting to our credit. I called again on XXXX XXXX to let XXXX XXXX know after reviewing our budget we could not afford to pay {$200.00} this month to this account and then she said that she could not protect this account from reporting to our credit and I told her well this is all we can afford right now as my husband was laid off in XXXX. I then went to the NCDOI website to get their license # and I found that National Credit systems incXXXX is not licensed to collect in the state of NC. which is illegal and now I need to go to my bank and have my checking account numbers because I am not paying this credit agency a dime. They are supposed to allow consumers 30 days to respond to their collection efforts and they were not even giving us the opportunity they went straight to threats of credit reporting. I believe her name is XXXX XXXX the collector in charge of my account so if you call speak to an operator who will direct you straight to her line. Unfortunately I am unable to find a physical address.
XXXX   XXXX  y hired  Williams and Fudge  to collect a student loan. I am not aware of the amount due to the fact all my student loans are in deferment and if this is a student loan from  XXXX , it should also be deferred with my other student loans. I have reached out to  Williams  and Fudge o n  XXXX   XXXX  and  XXXX  of this year. They have failed to respond to my second letter. Please see letters attached. I have also disputed this matter with  XXXX . They claim they do not see a dispute for this account, but have a note on the account stating UNDER INVESTIGATION, which has been that way since  XXXX   XXXX  , 2017. P lease see attached document
My car is financed by Sandtander consumer USA for almost 3 years so I was thinking I have 1 more year to pay off my loan which is {$20000.00}. I recently tried to trade in my car and get a new car so I called and ask them how much of my loan is left to pay off, the manager told I still owe {$20000.00} on the car even though I have paid off over {$11000.00} for close to 3 years. They said the {$11000.00} plus that I have paid so far was all late fees
Chase offered me a Chase XXXX XXXX card two weeks ago. I immediately signed up for it and instantly got approved a week ago. When I checked my online account today, I found out that they suddenly closed the account! They also did it with another credit card that I applied for which is the Chase Slate. These two cards were opened about a week ago. did n't even get the chance to get those cards in the mail yet -- they already closed it without prior notice.
I had a joint XXXX credit card account with my husband. He was the primary cardholder and passed away in XX/XX/2016. The account was later closed ( by them ). There was a credit balance on the account, which, as you can see, I did not receive ( see letter ).

Unfortunately, after the account was closed, there were additional payments made to the closed account. I did not realize that my banking system was set on an auto-pay schedule of {$400.00} per month. This was paid automatically, monthly, to the closed account, through my bank. At no point was I notified that these payments were being made to a closed account. They just kept receiving the money - month after month after month, without ever saying anything, whether by letter, phone or other method. 

I have attached a printout of the extra payments that were made to a closed account and which I am due in the form of a refund. As you can see, I am owed is many thousands of dollars ( {$400.00} plus the credit balance that existed before the account was closed ). 

Over the past few days, I tried calling several times, with lots of transfers and customer service reps - including their probate and funds recovery departments. Unfortunately, no one individual  seemed to be able to access all of the information or be able to resolve the problem. It has been very frustrating and I need help. 

Sincerely, XXXX XXXX
They reduced my credit limit by {$7000.00} when I was about to use it, of course. They refuse to tell me why and only refer me to a letter that has been supposedly sent, but never received. So I can't get any information as to why and there was not a notice received by me. 

In addition, after I chatted with someone named XXXX, who refused to answer why the limit was reduced, I gave her a poor survey and suddenly I'm locked out of my online account.
Around XXXX XXXX, I received a telephone called from XXXX XXXX XXXX XXXX informing me that a credit card delinquent balance was turned over to United Recoveries Systems ( URS ) now operating as XXXX XXXX XXXX XXXX ( XXXX ) for collection by XXXX CARDS incurred by my son and collection efforts were unsuccessful. I agreed to assume the debt however, I am a retiree on fixed income and can only afford a monthly payment to settle the debt of XXXX XXXX XXXX XXXX XXXX Dollars & XXXX cents ( {$6700.00} ) which was memorialized by a letter dated XX/XX/XXXX. In the settlement negotiation reached in the letter of XX/XX/XXXX, I agreed for XXXX/URS to create and deposit XXXX check reproductions on the dates indicated in the amount of {$240.00} each starting XX/XX/XXXX and monthly thereafter until XX/XX/XXXX totaling {$5100.00}. In XXXX, XXXX and XX/XX/XXXX, I received billings from BOTH companies ( XXXX CARDS and ( XXXX/URS ) that I still owe this debt to BOTH of them.t I will fax you copies of my files justifying that this debt is PAID IN FULL and I don't owe anything anymore to either company.