WillisBack/dataset-financial-user-claim huggingface dataset:
I made a charge on my credit card and later discovered that it was a scam. When I got back to the states I tried to cancel with the company and was given the run around. I contacted CitiBank and made a complaint. Apparently I did the complaint incorrectly according to them and because of this the dispute was cancelled and my {$2900.00} ( they game me a {$110.00} credit ) became my responsibility even though the company has given me absolutely NOTHING for the money. CitiBank states that I was suppose to dispute the amount ONLY but did so afterwards. I have never had this concern. I have no way of contacting the company because the numbers are not working for me and I have been left with nothing. This complaint involves CitiBank, Mastercard, XXXX XXXX ( people I signed up with in XXXX, XXXX ) and XXXX ( people I was supposed to have the vacation plan with and I am unable to get in contact with by number provided on contract and online ).
Loan with Wells Fargo. It is best to read all the letters that I will attach with this complaint to get a better idea of all of the the things they have done. Basically, they offered me a loan modification, went thru the 3 test payments then when I received the actual terms in writing they were not what was promised. This violated XXXX. Civ. Code Section 17770, et seq. & the case of XXXX v Wells. It was also a bait and switch. In fact, I would eventually be paying 2 % higher than I am currently paying. After I turned them down they started a pattern of harassment. They would constantly call me for payment, which had already been sent & cleared my bank. I hired an attorney who sent them a rep. letter. Yet, they continued to call in violation of the FDCA. Their next tactic was to arbitrarily change my escrow payment re property taxes. they wanted to charge me over {$200.00} more per month then they came to despite being given the actual tax bill. Then for some strange reason they stated they had " unapplied '' funds of mine for over {$2500.00}. They never explained why. They then arbitrarily changed the name on my statement from my name to my attorney. That has hurt me in trying to refinance since the statement is not in my name. My attorney wrote them to have them change it back to my name and they responded that as long as I am represented they ca n't do that. My attorney tried to settle the case with a proper loan mod. Their response was that I had to apply again. I did. And of course, they turned me down for no proper reason. The most recent tact is all of a sudden they sent a letter saying I am over {$8000.00} in arrears, plus another {$1300.00} in late fees. Now, they subtracted the {$2500.00} in " unapplied '' funds saying I am in arrears {$7000.00} in arrears and they are ready to start foreclosure proceedings. This all despite the fact that I have made every monthly payment & have the canceled checks to prove it.
On XX/XX/18 I contacted synchrony in regards to an account from XXXX that they never sent any information on or the card. They stated they mailed the card to an address that's not mine and admitted they recorded the card was mailed back by the USPS and never activated the account due to this. The supervisor " XXXX '' in Kansas refused to mail me ANYTHING about the account after numerous requests. I asked for any and all documents regarding the account but was hung up on by this supervisor. 

Never once in any of contact did they verify who they were speaking with or verify my address, new address, anything AT ALL. I could have been an identity thief, they didn't care. They refused to close the account, they refuse to mail me ANYTHING, and hung up on me when I said they were breaking federal laws.
Random " Payment Safeguard '' fee applied to my credit card each month without my knowledge nor enrollment. Have been charged for the past year, during which time I was not receiving paper statements and had set up automatic payments, and was no using my credit card in any other way.
I originally took out a loan from XXXX to pay for my education at XXXX university. Since graduating, XXXX has sold off my student loans to other debt collectors including Navient & now XXXX. After receiving multiple calls a day from XXXX- I finally answered. A woman went through all of my financials to come to the conclusion that I had no extra money lying around monthly to make minimum monthly payments. She then suggested I borrow money from friends and family to pay off their debt. Umm no, if I had that as an option to BEGIN with for my education i would have used it rather than take out a private loan with an extremely high interest rate. Then she suggested I take out another loan to pay for their debt they are collecting. Again, NO- if that was so easy I would have done it already ... and isnt it illegal for a debt collector to suggest I take out another loan to pay off their debt? 
Finally, the last option she gave me was a settlement of paying a significantly less amount of $ XXXX instead of the $ XXXX she said my balance was, yet she couldnt put anything in writing to validate this was an agreement. yet she wants me to agree to something so significant without any sort of validation or protection for me. 

It has been a week and I have received 34 calls from them since then, and not one email or anything in writing that states my total balance or any thing that was spoken about on the phone. The harassment is UNREAL.
This is a result of the data breach of Equifax on XXXX XXXX, 2017. They mishandled my information, which puts me and millions of other people at risk. 

I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

Also they did not notify anyone quickly enough and admit that they will not notify everyone. This is extremely unsettling.
I closed my account with Discover Bank ( Card ) in XXXX, paying it in full and ensuring that this payment covered all finance charges. Later that month, I called back to ensure that my account was closed and there was a XXXX  balance on my closed account. I then received a series of checks from Discover, two stating that I had overpaid. This is unacceptable due to the due diligence I showed in calling a SECOND time to ensure my account was in order. I deposited the first two checks. I later received notice that they had made a mistake and shouldn't have sent me the second of three checks and that I must pay that back immediately. I sent a written notice, refusing to pay them since I had paid off ALL money owed and checked back before the time the checks were mailed to ensure this was the case. That same week that my paper request for written confirmation of my closed account was in the mail to Discover Bank, they sent me a THIRD check to deposit with more money they supposedly owed me. I then called the company AGAIN and told them what was going on. The manager refused to clear the account and insisted I owed them the money even after the company is still sending me a checks. I have not deposited the third check due to the behavior of representatives of this company. I feel I am trapped in a scam. I asked for an email copy of all transactions they have a record of my billing and phone call transactions for my complaint for the Consumer Financial Protection Bureau and other consumer advocacy groups. She refused to email it to me but said she would mail me a hard copy once the legal team preps it. That was on a Friday. I still had not received the promised correspondence by the following Friday but did receive another e-mail claiming I owed the money and must now pay a minimum, insinuating that this fraudulent charge now carries possible finance charges. I called the company again, speaking to another manager, who claimed that they can't mail me such documentation and the last manager never should have said she could. She read the notes from my last call and agreed to forward my information and request to speak to a " higher up '' from their legal team. She said they could not call me for 24 business hours, putting me into the second week waiting for this basic information. I am now submitting the complaints without it, while awaiting the supposed call from their legal team.
XXXX XXXX keeps trying to collect a debt that is past 7 years and trying deceptive tactics. Every time I get mail it's some new collection company trying to collect a debt not owed. 
I get a letter from XXXX XXXX XXXX on XX/XX/2018 and on XX/XX/2018 I get a letter from XXXX XXXX XXXX for the same debt. XXXX XXXX uses other companies as well as practices to reinstate a debt past the statue to collect on.
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 XX/XX/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 American Student Assistant and they are falsely reporting the amount and dates. It states I opened the account in XX/XX/XXXX. I never applied or signed a promissory note for any loan in XX/XX/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.
Equifax XXXX XXXX. XXXX XXXX XXXX, GA XXXX To whom it may concern : In accordance with Federal Civil Rights Law, demonstrate that the following material appears correctly on my credit reports. Request ample documentation, ( including but not limited to : date account opened, date closed, full accounting of account, address where bills were mailed to ) from this alleged creditor. If these items appear in error, I have a cause for action because my rights may have been abrogated and violated in that case. Please confirm that this item has an address in my current credit report OR DELETE THIS ITEM FROM MY CREDIT REPORT. 

Tax Lien Status : Released Date Filed/Reported : XXXX/XXXX/2011 Reference # : XXXX Released Date : XXXX/XXXX/2011 Court : City & County Government Amount Owed : XXXX Your quick response and prompt handling of this matter is expected. 

Sincerely, XXXX XXXX XXXX ***********
I am having problems with NATIONAL CREDIT ADJUSTERS , LLC. I had an account that had been late which I understand was my fault. Well it seems that National Credit Adjusters sold this account to XXXX XXXX. XXXX XXXX contacted me and I paid the account in full XX/XX/XXXX. Since then I have file a dispute with XXXX  credit bureau and letters have been written. They keep coming back and saying the file is correct, even with the documentation being attached. They sold this account to summit but they keep reporting it as unpaid. I was told by XXXX  to contact you because they see the payments are made but they can not change anything on my report. Since I brought a house and a car last month ( XX/XX/XXXX-house, XX/XX/XXXX-car ) my interest rates are higher due to National credit adjusters refusal to remove information that is wrong and really doesn't have anything to do with them. As i stated this has been going on since XX/XX/XXXX. XXXX  is sending in another dispute, but the lady told me they most likely will just state its valid and there is nothing I can do. As you will see in the attached documents one dated XX/XX/XXXX, the other dated XX/XX/XXXX that everything is paid completely.
In XX/XX/2018 I disputed an inaccurate item with Equifax Credit reporting company. Equifax did the investigation and replied back as the account was verified. In XXXX I disputed the inaccurate account WITH EQUIFAX AGAIN THE ACCOUNT which is XXXX XXXX # XXXX and they replied back as verified again in XXXX On XX/XX/XXXX I sent in another certified letter to Equifax I have copies of the mail receipt that I sent the letter certified to Equifax,, The letter was METHOD OF VERFICATION. I ASKED EQUIFAX TO SEND ME THERE METHOD OF VERFICATION SO THAT I CAN SEE WHO AND HOW THEY VERFIED THE ALLEGED ACCOUNT, ,BY LAW AND PER FCRA I AM ENTITLED TO SEE THE METHOD OF VERFICATION AND HOW THE VERFICATION PROCESS WAS PROCESSED. ON XX/XX/2018 EQUIFAX COMPLETED THERE INVESTIGATION AND FAILED TO SEND ME THERE METHOD OF VERFICATION,,, HOW ARE THEY verifying THESE ACCOUNTs with the creditors and me as the consumer cant get the copies and or information on there method of verification,,, Equifax has violated the law, has violated my rights as a consumer ... On XXXX all Equifax sent me by mail was the account was modified,,, I asked for the METHOD OF VERFICATION WHICH I AM ENTITLED TO. I HAVE COPIES OF THE LETTER THAT I SENT CERTIFIED TO EQUIFAX ON XX/XX/2018 THEY RECEVIED MY LETTER ON XX/XX/2018 AND HOW IS IT THAT EQUIFAX CANT AND DIDNT SEND ME THERE METHOD OF VERFICATION,,, I AM GOING TO FILE A SMALL CLAINS FOR THE NON COMPLIANCE,,,, OR DELETE THE INACURATE ACCOUNT OFF MY FILE. EQUIFAX IS NOT FOLLOWING THE FCRA RULES,,, YOU FAILED TO SEND ME THE METHOD OF VERFICATION WHIH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT 611 ( A ) ( 7 ) MY LAST AND NEXT STEP IS SMALL CLAIMS FOR VOILATIONS AND NON COMPLIANCE OR DELETE THE INACCURATE ITEM OFF MY CREDIT FILE
Someone took an Advance America account in my name they got a payday loan with my name and I had a fraud alert on my file on my credit report and they went through with it anyway without calling me to verify who the owner was I never got a payday loan with Advance America and they will not help me
Our company XXXX, XXXX doing business as XXXX completely reinstated Bank of America Loan # XXXX on XXXX XXXX, 2015. Two months and XXXX days later on XXXX XXXX, 2015 Bank of America racked up {$990.00} in foreclosure attorney fees which they are now trying to charge us for. Why on earth would Bank of America hire a foreclosure attorney right after we completely reinstated the loan? We have yet to resolve this issue because Bank of America refuses to waive the {$990.00} fees and will not tell us why they wo n't other than " internal policies ''.
I have had continual problems with a XXXX XXXX credit card I am a co-signor on. I have filed numerous complaints over the last few years relating to the identical issues. 
1. XXXX XXXX reports inaccurate information 2. XXXX XXXX again has reported inaccurate information on my credit report 3. XXXX XXXX does not respond timely to my complaints 4. XXXX XXXX has admitted to errors in the past but still does not correct these errors 5. I have documents factual proof from past issues and this current problem Current and newest problem : Requesting an EXPEDITED Resolution for the following reasons : -XXXX XXXX has reported a credit card in my name as ( 30 ) days Late for XXXX XXXX - I have irrefutable proof XXXX XXXX reported the above account as late inaccurately attached is a copy of my XXXX credit report from XX/XX/XXXX and a copy of my XXXX XXXX statement dated XX/XX/XXXX showing a balance of {$120.00} and paid on time, NOT {$4700.00} - XXXX XXXX event reports the date of last update as XX/XX/XXXX THIS IS MORE PROOF OF XXXX XXXX CONTINUALLY MAKING ERRORS
I have been trying to dispute XXXX hard inquires that were not mine on my credit report. I have contacted the financial institutions that have pulled my credit and they investigated the issue. They sent the results of their investigation to the credit reporting to remove the hard inquires. XXXX XXXX and XX/XX/XXXXhave removed them but Equifax has not. I sent a request along documents that prove the inquires were a result of fraud. Equifax has not removed them and I have been told they are unable to.
I went into XXXX XXXX XXXX Ga to rent a apartment. We was not able to see the apartment before we put the first months rent and deposit down. We was told it was not ready but if we didn't pay our deposit and first month rent that it would be rented to someone else cause there is a wait list. Just looking at the area Thinking it was a nice area, I thought I needed to do what I was told or I would lose the apartment. After I moved into a apartment complex that I was told was a wonderful country living and quiet atmosphere the problems began. There was drug deals going on at the bottom of my apartment and all thru the neighbor hood. people would smoke pot all in the walk ways. We complained but was told there was nothing they could do to call the police. we put cameras on our patio facing the parking lot where our trucks had been vandalized and scratched up. One vehicle from neighbor was actually stolen. then people would shine lasers at our cameras to try and destroy them. WE paid {$770.00} a month rent with a {$300.00} security deposit and a {$450.00} total pet deposit. we paid on time every month despite the horrible and most times scary conditions we had to live in. Then the XXXX started I have been hospitalized from XXXX XXXX XXXX XXXX and the vents were very old and full of dust thru the vents. We asked if maintenance could come by and clean the vents and check the duck works. When they came the outside was just wiped down nothing was fixed they went in the apartment when we was not there and when we returned we popped the vent cover off and it was just thick with black stuff and dust. toward the last few months it had rained a lot and the ceiling was leaking and had water stains thru the ceiling and I'm sure mold in there also as I was on 3 different XXXX XXXX at this point. We called the office who sent maintenance who we figured out had just spray painted the water stains on the ceiling with white paint cause everything just bleed right back thru. we made it up until the last month and I just could not breath in that apartment or live there any more. The only damage that happen was Two spots in the carpet from my dog that I really didn't want to have in a apartment but felt needed some kind of protection so had to have. Anything else was from there lack of them actually fixing any other issues. I have let this go and have this ding on my credit now cause I was rented a apartment under false pretense and could not physically stay in that apartment any longer. I was recently given this website to try and rectify the situation and hopefully it does not happen to anyone else. But I refused to be blackmailed after everything I had to go thru at this complex
Equifax had 2 XXXX XXXX XXXX, XXXX XXXX, XXXX, weighed my credit score down for months even after I disputed them and XXXX XXXX XXXX was placed to times on my credit and deleted. I had even sent letters and it took months after the creditor requested to be removed. Equifax has had so many errors at my expense its not right. The time frame is forever as to correcting the credit issue as well as my score not changing due to errors. Equifax has many issues that even with employment been sent to you address phone number XXXX uploaded Pay check uploaded and still wrong spelling of company incomplete information. If Equifax is updating as said month after month why has it been over 6 months and the information is still wrong. I have filed so many complaints to errors made on Equifax part.
Problems with U. S Bank- I own a construction company and bank with US Bank . I have been a customer for less than 1 year. I have been very satisfied with the services until the day I requested to with draw a large amount. I walked into the branch here in XXXX, OH. I was notified by a male MGR. that I wasn't allowed to with draw such a large amount from my own account. I work hard for my money and felt my right was taken away. No explaination was given to me. I then went over the second US Bank and requested to with draw a large amount of money I was told she will have to order it and it will be in a certain day. That day came and I was told I that it wasn't going to be possible. I called customer service and they gave me the run around. On XX/XX/XXXX, at XXXX XXXX  a lady by the name of XXXX XXXX from US bank located at XXXX XXXX XXXX and told me I have 2 choices. Choice number 1- I can pick up my check for the full amount the next day XXXX XXXX and my account will be closed and walk out or choice number 2- my account will be closed and the check will be mailed to me. I was speechless. No explanations was given to me on why my account was closed. I called customer service. They told me no notes were provided that I was talking to XXXX XXXX on how she was going to close my account. I did not show up this morning XX/XX/18 at XXXX XXXX  at that branch. I called customer service to seek for answers. My results were none. My account is now closed and my bank card doesn't work. My account is closed for the fact that I requested to withdraw a large amount. I feel very discriminated and racially profiled. I have check stubs to back my funds up. I will never bank with US Bank. Terrible bank to bank with. I will tell my colleges, family, and friends about my situation, because I don't want what happen to me to them.
USAA took {$170.00} from my account for a package of beauty cream from some company in Florida that I do not know who it is nor did I order. They say that this company has communication with me and that the post office did deliver it. I have never received any package. USAA claims the package was delivered according to the company, yet there is no signature of mine indicating I received it.
I 'm a victim of Fraud. I am a victim of ID theft. The dismissed Bankruptcies were fraudulently filed under my name, without my knowledge or consent. These items were incurred by company whom I had hired XX/XX/XXXX for help with modifying my home loan. I neither authorized to file a Bankruptcy on my behalf, nor was I made aware that that were doing so. My signatures were forged on the BK paperwork, I would only find out about this issue after this company had gone out of business XX/XX/XXXX. 
This case was referred to the attorney general 's office who suggested I file an ID theft report. Hence, a Police Report with XXXX PD and also a Federal Trade Commission ID theft report for the fraudulent dismissed bks and forwarded it to the credit bureaus. As required by law XXXX of the bureaus blocked the information from my credit report, whereas Experian has persevered with reporting the fraudulent bks on my credit report. In my last conversation with Experian on XX/XX/XXXX, they claimed they reached out to the court and the court asked them to keep the information on my credit report, then when I asked who at the court they spoke to, I was told that it was not a third party vendor. More perplexingly, after that the representative told me Experian will under no circumstances block the fraudulent information from my report and I have to go to court and get a judge to authorize the removal of these accounts. I am absolutely at my wits ends here, as it bad enough suffering the traumatic experience of being defrauded and now as a victim of fraud I 'm not being afforded my legal rights. 

Attached Please Find : The filed Police Report with XXXX Police Department, The Federal Trade Commission ID Theft Report and Affidavit. Experian 's response refusing to block fraudulent items.