WillisBack/dataset-financial-user-claim huggingface dataset:
This is fraud as well. Between XXXX, my personal information was being used by some unidentified person. I got a XXXX card to have my XXXX payments direct deposited on to it. When I would go to get my funds, the funds disappeared. The funds that were in a pending deposit status disappeared and there were several unauthorized transactions on my card. I had only XXXX card. Now as I am attempting to rectify the situation with all that has been damaged by this, I requested a copy of my statement. I was told by customer service that there was XXXX cards in my name. Obviously, I never had XXXX cards. I requested the statements approximately 2 months ago and the company continuously makes excuses as to why I can not retrieve them. Under the statue of limitations, financial institutions are required to keep statements on file for 7 years. I was then told because my account was closed I could not get the statements. This was all after I was first told I would receive them via e-mail within 48 hours. I later received an e-mail stating they needed documents from me after they had verified my information. I refused to give out personal information to a company that stole my money. A representative in the corporate office named XXXX XXXX contacted me and told me they needed the documents due to the fraud on my account. They know there was fraud but they never paid me for the fraudulent transactions or the money that was taken. XXXX told me as soon as I sent the information he would release my statements. I sent the information immediately and received an e-mail stating they received my information and I would have my statements within 48 hours. Again, I waited and no statements. I contacted Netspend yet again via e-mail. My e-mail went ignored. I e-mailed XXXX XXXX directly and that e-mail went ignored. Finally when I told him I would be filing a complaint he said they did not receive my identification which is a lie. At any rate, I sent over my identification again. XXXX then said the attachment was blank. Another lie. I sent it again and then followed up with an e-mail. XXXX ignored my e-mail and has not responded. Evidently, they do not want me to see the transactions and realize it was them themselves who stole the money. I have read about the same thing occurring with other people with this very same crooked company. i asked XXXX why he would n't just make good on the money taken. He did not respond. The bottom line is XXXX stole money from my card, made false transactions and will not supply me with my statements that I have been requesting for two months or more.
Applied for a auto loan refinance with XXXX XXXX XXXX after terms stated the rate was 2.99 % and term of 72 months. Received a call today today my credit was excellent but income is insufficient so they have to triple my rate from the advertised rate and lower the term to 60 months and charge for fees and gap insurance. My income is by no means insufficient if that is so how can they justify increasing the rate and shortening the loan term that will make my payment XXXX more then I'm paying now. Doesn't make sense to me if " my income isn't sufficient '' Fraudulent practices and now I have a hard pull on my credit due to their fake fraud terms stated.
I opened a credit card through Virgin America XXXX, who partnered with Comenity Bank for their XXXX program. I was immediately charged a $ XXXX yearly fee for the card, ok fine ... but then I was started being charged {$2.00} a month, and not knowing I was being charged {$2.00} a month, I did not pay, and then they charged late fees and interest on top of their bogus charges, which I never authorized. I 've called to have the charges waived, they did not agree, so I paid, what I though was my balance due on XX/XX/XXXX, and they said my account would be closed immediately. Then today, I saw they charged me another fee and interest on XX/XX/XXXX! I called again asking to waive these non sense charges, they would not so I paid again to get these bank out of my life. They steal your money by charging you bogus minimum monthly charges, and interest and late fees on top of that! I would like everyone to know how this bank operates, and after doing a bit of research on line, I see Comenity bank last year had to pay {$61.00} XXXX in restitution for bogus charges similar to mine. 

I would love to get my money back, and have this bank further exposed to their thievery. Shame on Virgin America for teaming with such a shady business. I will never fly Virgin America again either because of this, and will do my best to make sure no one I know ever does either.
I have had a XXXX Barclay Master Card since Barclays started the program. Prior to it was with XXXX. I am a current card holder in good standing with an XXXX credit rating. I applied to upgrade my card to a fee based card with better bonus benefits. I received a letter stating if I did n't respond in 30 days my request would be cancelled. they asked for an original con ed bill from my residence, a copy of my drivers license and a copy of my social security card. I sent the con ed bill and the drivers license and a copy of my XXXX card which is issued from the same governmental dept. everyones XXXX ID is their social security number. either they are cherry picking or discriminating Bafclay refused to accept the XXXX  card. they would not take anything printed from my social security account from the website or a statement showing my social security payments. I do not have my social security card and would require to visit an office to obtain. This makes no sense! XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
I noticed in XXXX that my score was raised by at least 40 points. There has been no changes in my behavior. No new credit. No application for credit. However, 30 days later, my score has now dropped those points. Amazingly, the increase from XXXX to XXXX was in conjunction with a new law being placed ; whereas all reports were to rise. Here it is XXXX and they have now dropped my scores back to the original number shown in XXXX. This is clearly a manipulation on behalf of these reporting agencies. I have also contacted XXXX regarding " hard inquiries ''. I received a reply stating that there was nothing that I could do and those inquiries would be in place for 2 years. These are inquiries that I did not make. Again, these agencies are destroying and manipulating individuals existence.
I discovered that I was a victim of identity theft when TD Bank sent me a congratulations letter for opening an account with them. I do not bank with TD Bank nor have I ever banked with them in any manner. I promptly notified TD Bank of the theft and completed a series of letters through the Federal Trade Commission ID theft reporting system. TD bank acknowledged this theft over the phone with me and said they were working immediately to stop/close and reconcile the matter. Now, about 1 month later, I am STILL getting bank statements from TD Bank indicating " my account '' is still open and in existence. I need this matter reconciled completely and all matters closed/cancelled with TD Bank please. I did not apply for any account and/or services with TD Bank and this is 100 % Identity Theft/Fraud.
I had an account in collections that was paid. Exquifax has not updated or removed the account. I submitted a dispute, which they " investigated '' and responded with the information being " verified '' and an overdue balance. I contacted the creditor, who verified that the account was paid over a month prior and that the account had been updated with all XXXX major credit bureaus. I again contacted Equifax, they refused to update their information or attempt to resolve the misinformation.
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible.
Freedom Mortgage is attempting to take my home from me through the foreclosure process, even though they have never provided me with any sort of mortgage assistance on my FHA loan. Every time I have tried to work with them, they claim that they did not have all the documents to perform a review for assistance. However, I gave them every scrap of paper and bit of information they requested. They are just unwilling to get this done and I am shocked at their incompetence. I have an FHA loan and there are very clear guidelines on how a loan should be treated, but they are just trying to foreclose on my home and take away my equity. I have never had a single point of contact and they act like a bunch of thugs and baboons. I have reached the end of my resources and am in the final stages of foreclosure. I have done everything I can to work with them, but it is an act of futility. I went through some difficult times financially when I lost a large contract and then I had a nightmare of a tenant who wouldnt pay rent or leave the property. I have now resurfaced financially, but Freedom Mortgage is unwilling to work with me to modify my loan. I have never had a single point of contact and had to work with different people every time I contacted them. No one had control over my request for mortgage assistance and nothing got done. Freedom Mortgage isnt willing to help me and is taking me through the foreclosure process instead. The only option they have given me is to fully reinstate my loan, but this is impossible. I would really like to see if your organization would be able to take a look at how they are treating me and to see if there is something that can be done to help me save my home.
i was issued a payday load through Green Trust Cash. I recently had death of my mother, lost time from work and unable to make payments. Company was notified and then they turned me over to collections, company called XXXX XXXX.
I submitted a dispute with Capital One about being charged for a service I did not authorize at XXXX XXXX XXXX. I had taken my car to XXXX XXXX for a flat tire repair, and authorized the {$10.00} charge, offering my credit card at that time. However, when my car was not returned after 4 hours, I found that they had erroneously replaced the tire on my car instead of repairing. I did not authorize this work, as would have been required both by company policy and state law, and refused to sign the work authorization form. However, they charged my account for {$57.00} anyway. 

Capital One has sided with the merchant because the merchant printed on their receipt, " no signature required for purchase. '' However, I did not authorize the amount charged. If I had purchased a {$0.00} candy bar and they had erroneously charged me {$50.00}, but printed this on the receipt would the merchant have been justified with siding with them in that case? No! So this argument is clearly flawed. 

Capital One has requested I provide documentation, and refused to reach out or speak to the merchant. However the only one with paper documentation, IS the merchant. Yet Capital One wont even call. 

They stole my credit card details by collecting them under false pretenses, then using them for a purpose other than I originally specified. That is fraud. Follow the law.
To whom it may concern, On XX/XX/2018, I received an alert that a new credit inquiry appeared on my Equifax credit report. I was surprised as I hadn't recently applied for a bank product or an account that would require a credit check. The inquiry came from XXXX. I immediately knew this inquiry was initiated by an unknown individual who has been using my SS # to work in the state of Colorado. I have never lived in Colorado. I immediately sent a dispute to Equifax but within a day I but when I attempted to logon to check the status of the challenge I was unable to. The account in question was set up in XXXX, Colo. I have no Colorado address on my credit report. I believe I have a fraud alert on this account as well. So, when XXXX went to verify the credit report, the discrepancy should have been noted. I have tried to resolve this with XXXX as well with no luck. I even did a second dispute with Equifax and the same thing happened when I tried to check the outcome of the investigation. I received an error message saying I am unable to access my account. 

The Colorado Department of Investigations is working on my case of identity theft in regards to the unauthorized  employment. I provide their contact information, if needed. 

Thank you for your time and help. 

Best Regards, XXXX XXXX
I had filed ID theft with all companies in 2015 with a police report. It took till someone was brazen enough to get my bank accounts turned over to them to have proof of theft. 
XXXX XXXX XXXX then knowingly sold the fraudulent debt to CFSI and gave me 30 days to dispute it. 
I went to the website as instructed on the letter and there they where more than happy to talk to me till I provided legal proof of what I was referring to and then they just disappeared and stopped talking. I was using their live chat. if I leave the chat it will show I ended the chat and there would be no proof I was on hold for over an hour. As I am writing this, I am still on hold and no answer from them. Chat timestamp, chat started at XXXX XXXX, XXXX XXXX to XXXX XXXX, no answer. Then the outcome is that they are sending the information to the client for approval. But they are the ones collecting the bill yet they have no control over the bill and act as if they do n't even own the bill. So now I am not even sure if this is a real company, I may have just given all my information over to someone very bad. 
When the chat ended I clicked the save transcript button and it took me to a page that said it was timed out. There was no time out, my internet was working just fine and I do not have a proxy. 
They did not want me to have proof of that conversation.
Law firm illegally removed funds and placed hold on remaining funds in 3 of my Bank of America accounts. Two accounts were IRA and XXXX rollover accounts and the third was my personal checking account. This will, also, affect my taxes due to the IRS for XXXX. 
There was one non-refundable processing fee. I am involved in guardianship case # XXXX in XXXX County, XXXX, Texas in XXXX XXXX XXXX 's probate court # 2. He did not authorize this action to be taken by the attorneys so I assume bank was given fraudulent documents by attorneys of the XXXX XXXX, XXXX XXXX XXXX, specifically being XXXX XXXX XXXX and XXXX XXXX XXXX who represent my brother XXXX XXXX XXXX who opposes me in guardianship case of my mother XXXX XXXX XXXX which he filed application for XXXX/XXXX/XXXX. I filed for guardianship in XXXX XXXX and this law firm has since that time waged an unethical, illegal campaign of retaliation and ongoing witch-hunt against me for their stated purpose of wearing me down by taking funds I need to hire legal representation for myself and cause me to fear lack of funds to even pay for my and my family 's basic needs such as food, clothing, bills, etc.
The CitiMortgage Notary Signing Agent came to my home on XXXX. We signed the loan docs and were complete by XXXX XXXX. that same day. 
Although the loan was a cash out refinance that I had to complete a plethora of paperwork to be approved, at no time did anyone from Citi, or XXXX, inform me or ask me how I wanted the proceeds distributed and in the past when I have closed on loans, proceeds were distributed at closing. 
Imagine my surprise when at closing the Notary Signing Agent did not have a check for me. 
Instead, she provided me with a document asking me how I wanted the proceeds distributed. Had this document been provided to me before the closing I would have stated at closing. After having my hand forced by not making this election prior to closing, my choice was ETF. Electronic Transfer of Funds. 
I was very displeased with the proceeds not being distributed at closing and not having been told about this prior to closing. 
Citi Mortgage funded my new loan on XXXX, as of this writing my proceeds are still outstanding and have not been disbursed to me or my bank despite my requesting etf and providing all banking information. 
Although I am now responsible for paying back this loan as of XXXX/XXXX/15 I still have not received the cash that was due and payable to me at closing on XXXX/XXXX/15. It has been a little while since I did a refinance this does n't seem right. Do they owe me interest like I had to pay daily interest on the loan amount?
BBVA Compass has been terrible to work with since they changed our mortgage conditions XXXX days before closing on our loan XXXX years ago which almost prevented our closing. As a result, we are paying off our mortgage early to not have to deal with them anymore. 
They are again consistent with their poor service that we have come to expect. We paid off the loan on XX/XX/XXXX ( it is now XX/XX/XXXX ) and still have not received confirmation that the loan is paid in full. Surely it does not take almost a month since we wired the money to their payoff instructions. 
I would caution anyone who is thinking about a mortgage with BBVA Compass to look elsewhere.
I have an account from XXXX XXXX XXXX XXXX Acc # ( XXXX ) reporting on my credit that isn't mine. I've contacted XXXX XXXX XXXX XXXX and they have no record of me or any accounts with my SSN. This is not my account!
Good Evening, and how are you doing. On XX/XX/XXXX. I tired to Unfreeze my credit report with Equifax online, and I went through a ID verification, and because it was Sunday, i had to wait, for Monday XX/XX/XXXX to call and be verified over the phone. I called On Sunday XX/XX/XXXX and Monday XX/XX/XXXX at XXXX & XXXX & XXXX. I talked to agents, which okay during the phone conversations, and it took a turn, which became rude and was anxious of getting of the phone. I went through the ID verification, and It has been 2 days, which i can not get my credit file unfrozen. This has been an ongoing issue for me, I have unfrozen my credit file, through them, and it turned out to be still frozen, when a creditor, when to pull my credit file. This has become an ongoing Hassle with Equifax on this Security Freeze and the problem is getting worse. I even tried to reset my password, and i mean ain't nothing working at all. i need to get my file unfrozen. Thanks
The FDCPA STATES : The FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. When you get your debt validated, you request the collection agency to prove it has the legal right to collect the money. It also confirms that you agreed to pay the debt, and the amount of the debt is accurate. Any debt collection agency that refuses to follow these steps can be reported to both state and federal officials for violating the law. 

Instead of producing the documents I have requested which were : Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.
2. Agreement that bears my signature of the alleged debtor wherein he/she agreed to pay the creditor.
3. Any insurance claims that have been made by any creditor regarding this account.
4. Name and address of alleged creditor.
5. Name on file of alleged debtor.
6. Alleged account number.
7. Amount of alleged debt.
8. Date this alleged debt became payable.
9. Date of original charge off or delinquency.
10. Verification that this debt was assigned or sold to collector.
11. Complete accounting of alleged debt.
12. Commissions for debt collector of collection efforts that is successful. 
XXXX XXXX XXXX XXXX sends me a letter back which I have attached and in closing said " This is not an attempt to collect a debt. '' If this is not an attempt to collect a debt then why has TransUnion allowed them to place an erroneous debt on my credit report? This erroneous debt has not been validated at all. I have not received any documentation on this erroneous debt but TransUnion has placed this company on my credit report. 
I have attached the correspondence received from this company and I want them removed immediately from my credit report because not only is XXXX XXXX XXXX on my credit report illegally, TransUnion has conspired with this company to place them there erroneously. 
Please keep in mind that I DO NOT CONSENT TO XXXX VERIFICATION. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communication with you for the purpose of filing a lawsuit against TransUnion should you continue in your non-compliance. I further remind you that, as in XXXX v. TransUnion XXXX XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of receipt of this complaint may result in a small claims action against XXXX, seeking {$1000.00} per violation for. 1. Defamation 2. Negligent Enablement of identity fraud. 3. Violation of the Fair Credit Reporting Act.
Noticed a negative report on my credit report for {$570.00} says XX/XX/2018 then says account account is 1 year 4 months old claims to be a medical debt but I have never heard of this company or had any medical debt. Company is goldkey credit out of Florida.
Good morning. 

I'm contacting you this morning, in the hopes that you will assist me with my loan modification - with Chase Bank. 

I have been in the review process, since XX/XX/XXXX and during that time, my file has been handled by a number of different points of contact, I have been asked to resubmit the same documents repeatedly and have been instructed on a 'one isdue at a time ' basis, throughout this entire process.

Chase has been questioning the same documents for two weeks now - they've asked three different questions to be answered, on my 2016 tax returns. All of these answers could have come on one conversation with them - however, underwriting continually comes back with new and more absurd questions. 

It's clearly obvious that Chase is attempting to stall this process and discourage me, at any cost,, from pursuing resolution of this problem. 

Last year, I had a number of financial setbacks, but those have been resolved and I'm more than capable of returning to on-time payment. I've attached the notes from my conversations with them and I look forward it to your assisting me with this problem. 

Thank you!
Complaint number : XXXX I received a reply today from Citi bank saying that they did not resolve my complaint due to my not supplying proof of original and amended quote from XXXX XXXX. I did indeed submit this information. Attached are photo copies of my email with the attachments. They have had this information for 7 months. 
I hired movers who changed my quote via phone 3 days before my move. I did not use them but they charged my card {$760.00}. Citi bank will not help me resolve this issue.
On XX/XX/XXXX, XXXX XXXX XXXX  contacted my mother concerning a PayDay Loan from XXXX which I took out from Advance America. They left a message on her voice mail. She called them back. The person she spoke with proceeded to tell my mother about the debt, my failure to pay and that I was to be arrested. My mother is XXXX and terrified. I took care of the debt with XXXX XXXX XXXX XXXX yesterday. I received a call today from XXXXXXXX XXXX XXXX telling me that they had contacted my mother. The lady who called was reticent to provide the address or name. She stated the address was XXXX XXXX XXXX, XXXX GA. My case number is XXXX.