WillisBack/dataset-financial-user-claim huggingface dataset:
I have an American Express Serve Card. On Tuesday XXXX/XXXX/2016 I received a deposit from my XXXX in the amount of {$590.00}, this deposit was from a hardship withdraw that I submitted for so that I could pay my rent since I am facing eviction. Around XXXX I went to XXXX on XXXX in XXXX , Ohio to withdraw the money via ATM. This bank 's ATM is on the list of bank 's Serve customer 's may go to withdraw money for no fee. I put my card in and selected the amount of {$580.00} to withdraw. The machine stated it was dispensing my money, the machine kept making noises like it was counting but no money ever came out. I went inside the branch and explained what happened and was told that there was someone working on the ATM at that time and per the teller, if no money was dispensed, then it should not have came off my card. I went to check my card and American Express had immediately taken the money and hard posted it to my account. I called the American Express and spoke to a supervisor named XXXX, she just told me I had to file a complaint and it could take up to 45 days. I asked to be transferred to a manager and I forgot to take her name down. She understood the severity of this, since this was a large amount of money and me and my XXXX children are about to be put out of our house. She went and started the dispute process and advised me to fax my letter explaining everything to XXXX. She advised she would try to get this resolved quickly. I faxed my letter on XXXX/XXXX/2016, I then called to follow up today Thursday XXXX/XXXX/2016. I spoke with a rep and a manager by the name of XXXX, who has no care in world. Advised her that my landlord is giving me till XXXX/XXXX/2016 to pay my rent or else we have to go. She says with no care in the world, I have to wait till XXXX XXXX that is when the dispute team said they will look at this issue again. I ca n't wait till XXXX. I use to bank with XXXX and when an ATM transaction was done it would pend for at least 24 hours and then hard post. American Express takes the money off my card immediately and will not put it back that fast. I 'm upset because this is pretty much theft in my eyes, my money has been taken, but I never received it and now I ca n't pay my rent and American Express will not take care of this in a manner of seriousness.
Im a victim of identity theft. Someone stole my drivers license, social security card, XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card : XXXX, and my XXXX XXXX credit card : XXXX from my mailbox, the United States Postal Service mail. I never received my drivers license, social security card, XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card or my XXXX XXXX  credit card in the mail. Someone stole all of my mail. There are fraudulent and unauthorized charges on both credit card accounts. My entire credit limit of {$2500.00} and {$2900.00} was used in a fraudulent and unauthorized manner.
I had no idea that I would get charge so much interest on a {$350.00} loan. I have borrower from Lend up and they dont cost nearly as much as BPL. I have made 2 payment triple the about I borrowed. Please help me! 
I have made over XXXX in intrest.
Most of these debts is paid in full and should n't be reporting only credit report for over a year but they are still reporting on my credit report no matter how many times I have disputed it it comes back as validate knowing that these debt are paid in full specially XXXX that I just made a payment of {$500.00}. Please look into this matter it is affecting my credit score and my personal and business life. The XXXX bill was paid in full. These collections items were not removed even if they did n't provide proof that it was validate. How would u guys validate a debt that you guys have no no proof
XXXX picked up the car after 2 months since it was a lemon law and they put my account on Charge Off with Repossion while it's WRONG and INACCURATE! 
Selling Bad car and Screwing my CREDIT!
Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX? I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, XXXX, and transuion. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, XXXX, and transuion. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents
I disputed this account XXXX XXXX XXXX XXXX and experian claim to update the information but the status update shows status date XX/XX/2018 and in that case they did not do an investigation for the dispute in XX/XX/2018. This is a violation of the FCRA
These inaccuracies are damaging my credit score which is causing me serious personal and financial hardship. 
I am, therefore, requesting that your agency assist me in this matter. 
For the past several months, I have been disputing several inaccuracies that are XXXX in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX
Direct deposit was not added to my card. Tried call ing NetSpend and XXXX and was told there was a glitch which unbeknownst me was happening for more than five days. No one contacted me as to the problem occurring which would have allowed me to contact my employer to not do direct deposit and find other means of recieving my paycheck. XXXX and NetSpend have disabled their phone lines preventing anyone experiencing problems with their cards from contacting them. My rent s due and my food supply us low. I need my money  now!
XX/XX/XXXX XX/XX/XXXX Submitted Fax by, the Company (XXXX XXXX) > In' an Apology to Washington Federal Bank for a Point of Sale Charged "Twice".

($386.26) XXXX

> Is' Refusing to Send Me A Copy of the Statement In Error by the Company (XXXX XXXX).

This is' Auspicious Behavior in an Intent to Submit a Letter to the Bank during, a Period that' a Secured Visa was being Issued to me from XXXX XXXX/Washington Federal/XXXX XXXX.

A Made Cause to Make Claims in an Entitlement of' Monies.
Today, XX/XX/XXXX, I check my XXXX XXXX account to see that the items that I did not authorize has not been removed from my credit reports ( XXXX, Transunion and XXXX ) after taking the necessary precautions to deleting the unauthorized the accounts. I found out that these accounts were placed unauthorized by my ex husband after our divorce in XX/XX/XXXX. i have been trying to remove these accounts since on or about XX/XX/XXXX. I disputed the items by phone and by certified mail. Each time they would send me a automatic letter stating that the items were verified but nothing was given to me in writing of proving that these accounts were mine. Once I notified them of this I was notified to get a police report stating my identity theft from my ex husband placing these accounts in my name. I went to my local police department and retrieved a police report. At the time it was a summary. I submitted the police report back to XXXX, XXXX and Transunion along with my certified letter to remove these items and notifying them that I did not authorize these items. In XX/XX/XXXX I called the credit bureaus to once again notify them that I did not authorize these accounts due to my ex husband and the lady told me that I had the wrong police report that I had to get a full police report and once they receive that then the following accounts would be removed because I took the necessary steps to remove these accounts. In XX/XX/XXXX I went to the police department to receive the full police report and on XX/XX/XXXX I faxed my certified letter along with my full police report to XXXX, XXXX and Transunion. The following accounts that are unauthorized and are charge off accounts are : XXXX XXXX XXXX for the amount of {$23000.00}, XXXX XXXX XXXX for the amount of {$9600.00}, XXXX XXXX for the amount of {$5100.00}, XXXX XXXX for the amount of {$4900.00}, XXXX XXXX XXXX for the amount of {$2500.00}
I have tried on several occasions to dispute a debt with XXXX XXXX XXXX that does not belong to me. When I pulled a credit report about 3 months ago while trying to purchase a home I was made aware. I disputed the account with all 3 credit bureaus in XX/XX/2018, XX/XX/2018, XX/XX/2018 and have made a 4th attempt on XX/XX/XXXX. Each time I am being advised that the account was verified. However, I have request for the verification proof to be mailed to me which I have not received as of XX/XX/2018. 

I have provided police reports as well as documentation from the Federal Trade Commission to which the creditor keeps ignoring. At this point I am reaching out to CFPB in hopes that you can assist with getting this erroneous/fraudulent account removed from my credit bureau reports. Furthermore, all of the information related to this account and does not belong to me. 

Lastly, this creditor has never made any contact with me via mail, phone or email until after the debt was disputed in XXXX. At that time I was asked about an alternate account with XXXX XXXX XXXX XXXX and XXXX XXXX. The bank advised they were already aware of Fraud activity but never closed the accounts and advised they had mailed communication I never received. Even after communication back in XXXX, I was never advised of a late payment, an open/closed account, or any collection letters or phone calls.
I am currently an American Express Business Platinum card holder. For almost the last month I have been unable to use any of Membership Rewards for travel purchases or transfers. I have contacted American Express multiple times and am continuously transferred to multiple departments, all telling me different reasons for why the site is down as well as different time frames that it should work again. I have not received any call backs regarding the issue and am now going on almost 30 days of being locked out of using any membership rewards points I have earned. At this time the only help I have been offered is to have their 'travel team ' book my travel for me for a fee. It seems ridiculous that AMEX has locked me out of my account and is forcing me to pay a fee to book travel that I should otherwise be able to do for free on my own via the amex travel site.
I had this credit card with XXXX in XX/XX/XXXX, and it was closed when I lost my job ... It went to collection as I was new in the U.S. and young I did not understand the credit thing nor collections stuffs. And never heard and ended up forgot about it because I was in XXXX School. It was closed by XXXX as XXXX XXXX was the one powered the card I knew recently that XXXX XXXX sent to collection that account as a recent one. Never had any commitment with XXXX XXXX, XXXX was the one. So it passed 7Years it closed, XXXX XXXX can not open it as a recent one. Please look below. 

Account NameXX/XX/XXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. {$530.00} written off. 
Status UpdatedXX/XX/XXXX And here 's XXXX XXXX Balance {$530.00} Highest Balance {$530.00} Opened XX/XX/XXXX ( 4 yrs ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX
We have been asking for Wells Fargo to give us a modification. We submitted all of the documents that they asked from us. They assigned to XXXX XXXX and XXXX XXXX. We received a call from her 1st on the XX/XX/XXXX but when she called by husband was driving and was not able to pick up the call but when we tried to call her back she did not answer she called back again and said that she will call us again but we have not had a chance to talk to her. All we were told was that they are reviewing the file. In the meantime they scheduled a Foreclosure sale date forXX/XX/XXXX. This is what they have done for years of requesting for a loan modification. We submit our documents but they will not talk to us and let us know what is going on. 

We know they have worked with other homeowners with same situations. They gave them modification, they allowed the missed payments to be deferred and gave them payments that allowed them to be able to keep their homes. Why not us too? My husband still have XXXX and still working. Please help us get Wells Fargo to help us.
I received multiple refinancing letters through mail from different entities. I decided to call  Chase  my current  Mortgagee  and started the loan process. But to get started they charge me a {$500.00 } Good f aith estimate that will be applied towards the Closing Cost. I provided the loa n officer with a ll documentations on the day same day we lock the rate of the loan for 60 Days. Appraisal of the my how was done with in a couple of weeks and came back at  XXXX   LTV. w hich means the loan to the value is about half. I contact my loan officer and said everything was fine. Then i get a call about a couple of thing that i need to provide for current information. Two weeks before the closing i try to contact lo oan officer  through voice and email. I would get emails back will call you back this after noon, but ofcourse never received the call. It has been over the 60 days and do not know what i need to do. I decided to dispute the charge on my Debit card and guess what? it is a debit card from chase and can not dispute the charge. I call this a ponzi scheme. The person had told me that is a billing department issue and i am just getting the run around.
I am behind on my mortgage by 3 months. Wells Fargo is the servicer and when I go on-line to my account it advertises a repayment option as well as a forebearence option to help the homeowner get back on track. I believe these options are a fraud and Wells has no intention to grant either of these options.
On XX/XX/XXXX of this year I discovered a {$380.00} charge to my XXXX XXXX ( NetSpend ). This charge was not of my doing and I immediately reported the fraudulent transaction to the debit card company. I was told by customer service that the vendor ( a company named XXXX ) would have to cancel the transaction prior to the money being released from " pending '' status. At this time I was told that such releases normally happened after three to five days. It was also at this time that the card was cancelled and I was furnished with a new card within a matter of two days. 

Since no efforts to resolve the situation were undertaken by the XXXX, I contacted XXXX via chat found on their website. My initial contact occurred on Thursday, XX/XX/XXXX, with a follow-up occurring the next day to inquire when the company 's security team would contact me. I was initially informed that a security rep would be in touch by the end of the XXXX, however I've never spoken to a security rep but was told on Monday, XX/XX/XXXX by an XXXX customer service rep named XXXX that the transaction was canceled and the status of the transaction should be lifted within three-five days. 

The communication between myself and XXXX occurred via email ( provided ) and each of these were provided to XXXX, however they would not accept them as proof. The company stated they required an official response by XXXX on letterhead before they would lift the pending status of the funds. It has now been 15 days since I first brought this issue to the attention of XXXX and it appears their intention is not to do anything ; to leave the issue unresolved for an indeterminate amount of time. XXXX ( NetSpend ) has done nothing to help and seems bent on treating me as if I instigated the initial transaction, which I did not.
Chase card services will not return my money or points. 

On XXXX XXXX 2016 Chase credit card services, redeemed XXXX of my points for {$2000.00}, without my authorization. The funds were transferred into an unknown bank account that has never been associated with any of my XXXX chase cards. 

At the same time, a small purchase was flagged as possible fraud, But the redemption of cash went through with no hindrance. 
I contacted chase on XXXX XXXX and was guaranteed that the points would be returned to me within 10 business days and this was an ELEVATED case. 
I called back on XXXX XXXX to check on the status of the points and was met by bewilderment, as if it was the first time calling. However, the case is elevated and I should still receive my points by XXXX XXXX. 
I called again on XXXX XXXX just find out by a supervisor named XXXX, that more time is needed and she has NO idea of what is going on. In fact, she was irritated by my call and frustration. Making me feel that I am the problem. 
I was then told by XXXX that someone would contact me in 7 calendar days.. 

7 days later. ( Today ) I spoke to another supervisor named XXXX, Same stuff different person. They still refuse to give me a time frame and feeding me the same information ( Escalated to fraud ).
Hello I have a loan with Covington credit. ( Southern Management ) I have missed XXXX pymt..and my  XXXX pymt is not due until XXXX XXXX the branch manager ( XXXX ) is very rude and keeps threatening to call my job and they have came to my home and left a letter take it this is my XXXX loan with them I paid off the first one.they are very harnessing about {$98.00} dollars please make them stop my intentions are to pay I am having financial issues right now.
I had a XXXX XXXX card via XXXX and I had noticed that there was an account that was reporting on my credit report with a number I was not familiar with and I submitted a complaint that my card or identity had been used to get a fraudulent card. I was very upset and concerned and the matter was addressed over the past 7 months. XXXX XXXX  was actually opening up new account with new account numbers every time I called or wrote or disputed the unknown numbers and not telling me that these were in fact the same account until XX/XX/2018 and after multiple phone calls, FTC report and multiple investigations when I finally contacted the " executive office '' it took so much time that I actually lost nearly 3 days of work time working on correcting the issue and WAS NEVER NOTIFIED each time they assigned a new number for my card therefore I believed that someone was opening multiple accounts with my information. It was impossible to talk to anyone who understood my concerns and could never get a last name or direct contact when I called back and had to repeat my story over and over again. Not only was this incredibly upsetting and harmful, my credit scores have been compromised for over 8 months during these investigations. I am overwhelmed with what it has taken to understand what was going on and had multiple employees get angry and even hang up on me. I am appalled as I have had many XXXX XXXX  accounts over the years with absolutely no issues. This has been extremely harmful, I have been denied 2 loans and multiple credit cards and I am paying very high fees for insurance. I was even denied employment from a company that I excelled in the interview process and most likely was told my credit score hurt me. The variety of events that this affected has cost me embarrassment and well as financial hardships.
Hey CFPB, Today I'm sending a message to you guys in regards in removing an inaccurate/Duplicate inquiry from XXXX XXXX. I received a copy of my credit report and found that my credit report was pulled twice on the same day ( XX/XX/XXXX ), which is an error. It was pulled Twice from my Experian credit bureau. From my understanding of CFPB, you guys will recheck the items with the creditor who has posted them. 



Also, on XX/XX/XXXX, my credit report was also pulled as well. Please have the XXXX XXXX ( the creditor ) recheck the item. 

If you need any information or verifying who I am, feel free to call me at ( XXXX ) - XXXX XXXX
I transferred XXXXUSD from Suntrust Bank ( XXXX XXXX XXXX ) to XXXX XXXXXXXX XXXX onXX/XX/2018. The Reference Number is XXXX. Unluckily the banker in the Suntrust Bank made a huge mistake on the recipient bank number, so that I can not receive the money in XXXX. I also phoned the Suntrust Bank ( XXXX XXXX XXXX ), but nobody answered.The XXXX XXXX XXXX also sent a letter to the bank, asking for an amendent letter for the correct recipient bank number as soon as possible. Otherwise the money will be refund to Suntrust Bank ( XXXX XXXX XXXX ). I am so worried. Please help me XXXX this case. Please contact me by email ( XXXX ).
XXXX XXXX has frozen all of my accounts ( which were established in XX/XX/XXXX ) and would like to perform a financial review, however they wo n't release what caused the financial review and in general seem to be very secretive on the process. They are asking to review tax forms released to XXXX through IRS form XXXX ( which they are requiring the customer to fill and sign ), however they do not state how the information will be used once obtained or what information will be used once obtained. XXXX XXXX is also basically forcing this review to occur - if you do n't comply then they blacklist you which could lead to the loss of accounts at all other financial institutions. I think the customer should have a choice, and if you choose not to release all your financial information to XXXX XXXX ( which is very nosy of them, considering they wo n't even tell you why! ), then it should n't affect any relationship besides XXXX XXXX. 

Tax forms are to be released to - XXXX XXXX C/O XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX Here are my questions I would like XXXX or XXXX XXXX to answer - What is collected by XXXX and XXXX XXXX and how do I obtain a copy? 
How will the information be used by XXXX and XXXX XXXX? 
What information does XXXX share with XXXX XXXX? 
What information does XXXX share with other third parties and how do I limit this sharing? 
What information does XXXX XXXX share with other third parties and how do I limit this sharing? 
How long does XXXX and XXXX XXXX store the information that is collected? How is it stored? 
Does the information collected get merged with my XXXX credit report in any way? If so, what information gets incorporated with the credit report and how long does it remain on the credit report? 
If the information gets stored or merged with my credit report, what happens after my taxes are filed for XX/XX/XXXX since I received a raise in XX/XX/XXXX, which means reported income in XX/XX/XXXX will be higher than the income stated on my XXXX tax return?
Hello My name is XXXX XXXX I 'm filing a complaints because no Bank is letting me open any accounts I 'm writing to tell the information is wrong I was a victim of fraud and is trying to open a accounts can I please get some help Thank You
I received a call today, XXXX XXXX, 2017 at approximately XXXX MST from a woman saying she was calling from " XXXX XXXX She claimed to be collecting on a debt from my old child care provider, XXXX XXXX located in XXXX, AZ. I was in complete shock because this was my first time hearing about this, I have never received any noticed that I owed my child care  anything. She gave me an amount to pay of {$600.00}. I told her that I was disputing this claim, and not to contact me until I send it in writing. She told me that she was going to continue to contact me even if I was disputing this claim.
Several requests have been made to XXXX to furnish documentation showing I signed up for services. They also have not been able to provide any bills dated for the time period or the balance shown.