WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I reported a {$280.00} airline ticket fraud on my Citicard ending XXXX. It was reversed and new card ending XXXX was issued. Within 1 week there was a second XX/XX/2017 fraud charge on card ending XXXX, for XXXX XXXX TN in the amount of {$350.00}. I reported the XXXX XXXX fraud and was told it would be reversed and I did n't need a new card. It was not reversed. I called. 2d time and was again told it would be reversed. I viewed my on line account on XX/XX/XXXX and learned that the {$350.00} XXXX XXXX fraud charge had not been reversed. Instead, Citi had submitted a dispute for a XX/XX/XXXX charge of {$300.00} to XXXX XXXX XXXX, a valid charge. Seemingly Citi confused the {$350.00} XXXX XXXX fraud charge with the valid {$300.00} XXXX XXXX charge because both were XXXX. I spent an hour on the phone with 3 Citi agents to reverse the fraud charge and assure the valid charge was not disputed. Today XX/XX/XXXX I received a form letter in which Citi indicated the incorrect dispute was my fault, and referencing credit reporting agencies. This was entirely Citis mistake. Citi has potentially caused my XXXX XXXX reservation to be cancelled. Citi has not given the actual facts as they occurred any real attention, and has yet to reverse the XXXX XXXX fraud charge. I would like someone from Citi to fix XXXX mistake. I would like an actual response that is not a form letter. I would like an apology. I would like verification that Citi has not caused XXXX XXXX to cancel my reservation. I would like Citi to reverse the XXXX XXXX fraud charge.
This company just tried to scam me. A lady named XXXX ; First sign is that they did n't disclose the company name. They first said I owed money to XXXX XXXX XXXX bank, The second call said I owed XXXX BANK, and they wanted to serve me court papers. They tried to get me to verify my personal information.. I did not. 
Anyway, I called both institutions and they said nope you do n't owe us and we have no records saying that we were taking legal action against you. 
So I called this number back and told that I contacted both institutions and I do n't owe them. So the lady on the phone says No this is actually for XXXX XXXX Loans. I said first you say XXXX Bank, then you say XXXX XXXX XXXX, NOW your saying a payday loan.. lol Nope I do n't owe you [ *** ] but if you call this number again you will hear from my lawyer. 
Secondly I typed this number into google search and nothing but complaints came up and an additional number from XXXX Colorado also appeared. I called that number ( THE XXXX NUMBER ) XXXX and it was the same person that called stating they were suing me.
I was told by XXXX of XXXX XXXX, that they would work with me to get my collections issue off my report on XX/XX/2018. I was asked to send in paperwork, and I sent in the proper paperwork. As soon as I sent in the paperwork XXXX XXXX XXXX XXXX avoided my calls, and not responding to emails.
I was declined for an auto loan by XXXX and JPMorgan Chase and the reasons they used were : " Serious Delinquency '', " Length of time since account not paid as agreed '' and " Time Since Delinquency is too Recent or Unknown ''. The letters told me to contract XXXX for information about this. I monitor my credit and know there is not a delinquency ever and when I contacted XXXX they could not see any issues either. I have tried to contact both banks to get information on what they are talking about and have not been able to reach anyone that will help me.
I have checked the credit score every Six weeks with XXXX on XXXX website which is from Transunion.com. Every time I checked it drops another XXXX points. This happens every XXXX to six weeks. 
I am never late, I do not have new accounts or new inquiries. I do not max out accounts. There is no logical or obvious reason for the drop except Transunion feels like taking XXXX points every time they feel like it.
XX/XX/2017 an employee of Chase called from their fraud unit called to alert me to fraud on my two Chase credit cards. They advised that they would close down both of the accounts and replace them. My purse had been stolen and fraud not only happened on the two chase accounts but my XXXX XXXX credit card as well. I was told that I was not liable for the balances. One balance was wiped out but the account that had no balance had a {$2500.00} balance a few days later. XXXX XXXX  wiped out my balance. Someone had opened a XXXX XXXX   account in my name and transferred funds from my credits cards through the XXXXXXXX XXXX account. The person who called me said they would send me a packet in a blue envelope to complete. It never arrived. I called the fraud unit and spoke to very rude woman who told me I was lying and that I owed the money. They said they completed their investigation and they would do nothing more. They continue to bill me under a southwest chase credit card and I feel forced to pay it monthly or have my credit ruined. I asked them to provide proof that I owe the {$2500.00} and they will not comply. The credit cad number is XXXX XXXX XXXX XXXX. Despite their actions I still have a good fico score. I m not in a position to continue to pay this and need assistance. This is so unfair.
I have been given the run around  and I conti nue to dispute and report this debt as not being mine, but I 'm still having the same issue. After 5 years this debt has still not been removed, and I need this removed and resolved immediately.
I have wrote to them a sent proof on several occasion. All three credit reporting a bankruptcy on credit report and said that XXXX XXXX provided them with this information. I have been in touch with XXXX XXXX and sent proof from XXXX to the agencies that there is no bankruptcy on file for me. I need for all the credit reporting agencies to remove this reporting.
I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a XXXX XXXX XXXX ( XXXX ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX XXXX the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX Bank was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, Equifax , and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
I have repeatidly disputed account number XXXX with the credit reporting bureaus about Ad Astra Recovery Services and their aggressive and frightening collection tactics. I have asked doth bureaus to investigate and validate this debt that I have paid in full with XXXX XXXX and delete it from my account. I do NOT owe Ad astra anything and they have recently been calling my cellphone at late hours and leaving voice messages with a machine regarding this supposed debt that I know i do not owe them. Please investigate their aggressive and illegal attempts at taking money i do not owe them. they have not even provided any valid evidence nor have they communicated properly with me regarding my disputes and request for them to stop contacting me, especially with automated systems. They are so embarrassing and annoying. They need to delete their account from my credit reports immediately or I will contact an attorney. This is my last warning to them. Please help me.
Someone has opened an account with  BBVA Comp ass bank in my name of witch i did Not authorize. i have made a police report and started credit monitoring. I do not have or ever had any account with  XXXX . i called them on   X/XX/17  and  they said they would call me back, they did not. I got on a conference call with my  XXXX   XXXX   XXXX   XXXX   XXXX  and  BBVA can celed the call, we tried calling back with no success.   There was charges applied by whoever opened this account and i have received letters, bank statements, and even a ATM  XXXX  card in the mail.   I am not responsible for these charges or this account, please help resolve this matter, Thank you,  XXXX .
I enrolled in American Express has premier shipping plan with a fee of XXXX $ so that I do n't need to pay shipping charges. I enrolled in 90 day trial. They are not supposed to charge during the trial but they charged XXXX $ when I called them they said they will refund the fee when I cancel within 90 days. 

I cancelled my plan within 90 days but they did n't refund my charges. When I called them to cancel they said they will refund in 15 business days and now it is past 15 business days and when I called them again ( I was waiting on the phone for 90 minutes ) they are saying they need to reprocess the refund. I am not sure whether I will really get the refund. 

There are two problems1. They are not refunding in timely manner ( they already crossed the time they mentioned in terms and conditions ) and I am not sure they will refund me. 
2. They are not supposed to charge during the trail but still they charged my account. 

I spent lot of time to track this and I am looking for compensation for my lost timeMy case number with AMEX is # XXXXMy order number that contains the Premier shipping charges is XXXX
XX/XX/XXXX : I was able to pay a pass due amount of {$69.00} but the monthly payment of {$130.00} is not doable since I am paying other private loans through them monthly of {$260.00} which soon will increase in XX/XX/XXXX. This amount is drafted every month on the XX/XX/XXXX. I would be paying close to {$400.00} a month, money I don't have after all my bills are paid. I tried to speak to them if they were able to place the loan under the same low-reduction program but they stated they could because of the type of loan. I asked them what type of loan it was and the rep stated it was a class loan. I told her I was never told of a class loan when I was being helped by the financial staff at the school. All they stated was I will be getting Private loans and Federal loans. Very general terminology of what the loans where. The rep in turn stated pretty much they didn't have to place me in any type of program when it came to private loans, they can just terminate the program period. I told her, all I was trying to do was to be able to pay my loans and be in good standing. I am trying to avoid non-payments because I cant pay all they are asking of me. I want to come to a middle ground with them where we both benefit from it.
I am a XXXX XXXX with a check made out to XXXX XXXX, XXXX and a mortgage company, The Money Source. I have supplied the mortgage company with all of the documentation for the work that I have done and completed months ago. The Money Source is refusing to endorse the check without me first endorsing the check, which I will not do. There is no reason for the mortgage company to have this money. I have been in XXXX  for 18 years and I have never endorsed a check made payable to XXXX XXXX for work I have done. I have attached a copy of the check and the letter from the mortgage company. There are two checks that I am trying to get endorsed from this mortgage company. Everytime I speak with someone from The Money Source, I am given another set of instructions, I have sent them 100 's of pages of documents from this claim. XXXX XXXX contracted my company, XXXX to do emergency water mitigation work, the work was completed, XXXX XXXX paid for the work and now The Money Source will not endorse the check.
I have a 2013 bankruptcy that was placed on my credit report. I have been trying for over 6mths to get this entry remove and deleted.I have spoken to several agents in regards to this public record. I called the credit bureaus to verify how they obtain they information on public record..I was informed that carriers gets the information from the court house and then brings it back to the Credit Bureaus for input.So I asked that information/form be sent to me cuz I needed proof of this information.I was told they can not give me that information. After doing my own research I learned that is Absolutely incorrect information.The court system DO NOT disclose, release or VERIFY ant information wit The Credit Bureaus or Any 3rd Parties. so with that information This bankruptcy entry needs to removed and deleted from credit report.
The Names on my credit report are completely wrong & Mis splled.. my full name w/ correct spelling is XXXX XXXX XXXX NOT . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please help me, I find this information to be very crucial on my credit report and I need it fixed.
I was approved for a LOWE 'S credit card in XX/XX/XXXX/XX/XX/XXXX. I filed a CHAPTER XXXX to avoid a foreclosure on my grandparent 's home. No debts were discharged. Within days the bankruptcy was dismissed and has since been removed from my 3 credit reports. <P/>I have tried to get a Lowe 's card and was denied. I was told that the last account was closed due to the Chapter XXXX. The card had a very low limit of {$300.00}, therefore, my purchasing power was limited. I spoke with a Representative last night & he suggested that I START OVER. Now my score is too low as I was out of work for 23 months, however, I have now been employed since XX/XX/XXXX. I do not know the card number but they were able to access it by my social security number and my address on file.
The XXXX XXXX XXXX XXXX XXXX is issued by Wells Fargo. I make on-time payments through my bank, and I received a letter from Wells Fargo, notifying that they decreased my credit limit, which placed my credit use at 115 %. This creates an issue because it immediately lowered my credit score. The letter states that they are choosing not to reveal the reasons why they decreased my credit limit. This is an abusive practice and is detrimental to my credit history.
Received disclosure notice dated XXXX/XXXX/XXXX from XXXX XXXX. 
Continue to see that credit reporting agencies insist on reporting key factors that adversely affected my credit scores. A review of latest credit report does not support these adverse key factors. 
Credit Reporting Agencies continue to report inaccurate data to lender and/or financial institutions. As stated in previous complaints, key factors continue to be reported on disclosure as far back as XXXX. 
Complaint # XXXX ; XXXX ; and XXXX were sent on these very same issues. There are no serious delinquent accounts ; the number of accounts with delinquencies is XXXX ; Collection is currently being investigated. The number of inquiries has dropped to only XXXX for TRANSUNION. XXXX has deleted XXXX inquiries per my letters requesting to remove. No responses to remove inquiries have been received from XXXX.
I have an Ocwen shared appreciation mortgage! I received a XXXX from them in 2014 for the discharged debt with code I ( IRS code for other actual discharge prior to an identifiable event ). I have a sales contract on my residence where I was led to believe that I owe them 25 % of the appreciated value over the principle reduction! When requesting the payoff they have not adjusted the waived balance and are telling me that it is not discharged and is being added back to my loan balance and is being included 100 % in my payoff to them! They also made me send the sales agreement and pay for an appraisal so they could determine my adjusted payoff! Now they say that I had a default and I now owe them the entire balance even though they reported it to me and the IRS as forgiven debt! This is deceptive and fraudulent business practice and I am disputing my payoff! My house is scheduled to close next week!!
I have personally banked with Wells Fargo for 30+ years. I also have 3 businesses with more than $ 15million in annual transactions flowing through Wells. 

They have decided to endorse XXXX for web transfer of funds On XX/XX/2017, my wife identified some tickets she would like to a football game. I connected with the seller and asked them if we could see the tickets. They mentioned that they use XXXX from Wells Fargo which has fraud protection. 

Checked with Wells and yes ... they do approve XXXX. I was told that there is a delay before funds are actually transferred to ensure it is not fraud. We transferred and asked for the tracking number. The seller did not provide the tracking number so I reached out to Wells Fargo and XXXX immediately to block the transaction. There were no return calls or emails from XXXX and Wells customer service knew NOTHING about XXXX. They could not help me at all. Days went by and the Wells or XXXX did nothing. The cash was transferred after 48 hours of absolutely NO help or fraud actions from Wells Fargo or XXXX. 

Bottom line. Wells is doing NOTHING to protect long-time customers from this type of fraud. I reached all the way up to executive VPs at Wells and got absolutely nothing. Even after my 30+ years of loyalty as wells as moving my businesses to Wells . 

It is clear the direction I should take my personal and corporate banking. XXXX should be shut down.
I received a promotion from American Express for XXXX Membership Rewards points for spending {$4000.00} in 90 days. I completed the criteria for the promotion, the XXXX points posted in my account but they are frozen and I am unable to use them. I called to make them aware and they said it would be under review for XXXX8 weeks ( would not explain why ). I called back again after 8 weeks and they said it would still be a longer period of time that they 're under review. The points are sitting in my account but for some reason I 'm unable to use them, they still will not tell me why. I am trying to book a flight for XXXX and use these points. I 've spent countless hours waiting on hold for supervisors and explanations and have not gotten anything of substance. This is my last resort
I have a safe deposit box with Bank of America at XXXX XXXX XXXX XXXX XXXX, OR XXXX for over 15 years. I received the payment notice about the same time every year. On XXXX, I received the bill as usual. If I had an account with them, so it would be a {$5.00} discount ( I think it mentioned on the bill ). I went to the bank and paid my bill at XXXX XXXX XXXX and asked one of the tellers for the discount since I had a checking account with them ( I closed my account later on but still kept my safe deposit box ). The teller told me it would n't be any discount and the fees on the safe deposit box went up to {$40.00}. I paid the {$40.00} ( I still have the receipt that proved I paid ). The price was not a problem because I transferred my safe deposit box from XXXX XXXX to the XXXX so that it would be more convenient for me. On XXXX, I was expecting the payment notice as every year. I did n't receive the bill and the due date was coming up soon. I went to the bank and asked one of the tellers about I did n't receive the payment notice but I wanted to pay my bill. She checked the computer and told me they made an error for overcharging me last year so that my safe deposit box would be free of charge for life and that 's why I did n't receive any bill ( I trusted the bank and I did n't ask her to put on writing, that was my biggest mistake that I ca n't prove it since they destroyed all the records ). I was so happy for last 10 years and I did n't really receive any bill. 

I went down to the bank two days ago and tried to take something out of my safe deposit box. I was told they did n't have any info about my box. I talked to the assistant manager and found out my box had been drilled last XXXX and all my records was destroyed. They had been sent me notice to my old address since I moved 6 years ago. I guessed I did n't check my box for last six years since they still had my old address. I told her about my story and she said that was impossible as lifetime free of charge. I needed to pay {$390.00} to get my stuff back. She also told me to call the XXXX customer service number about the procedure on how to get my stuff back. When I called that number, the customer service rep. told me none of information came up with my ss # and box # search. He suggested me go back to the bank and spoke to the manger to give them a call with all the info. I talked to the manager on the phone this morning ; he could n't do anything for me. I needed to pay the {$390.00} for the rental fees for last two years and the drilling fee to have my stuff back. I do n't think that is right to charge me for the mistake that they made to have my stuff back.
I filed Chapter XXXX Bankruptcy on XX/XX/XXXX to save my home and the criminal Attorneys informed the Court that I was late on my post-petition payments which is a lie, misrepresentation, and fraud on the Court. I made all my post-petition payments as agreed and the Chapter XXXX Trustee made all the pre-petition payments as agreed to XXXX XXXX XXXX, XXXX, acting as alleged Trustee, while Caliber Home Loans claims to be the Servicer, and acting as Attorney in fact. The XXXX Law Firm handling this failed to present the evidence to the Court at a hearing on XX/XX/XXXX. I spoke with XXXXaliber Home Loans directly, in both departments Customer Service, and the  Bankruptcy Department and they admitted that they make a mistake and would update the account and send me an updated payment history for post-petition payments and they have still not done so. I would like the CFPB to investigate and refer this fraud to the FBI immediately. They purposely hid all the payments made from the Court in order to lift the automatic stay and try to steal the home of my XXXX and XXXX year old parents and myself.
Recently while conducting a monitor of my credit report I discovered that Ad Astra has furnished some items that have unverifiedinformation. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to Ad Astratorelease myinformation toathirdparty.

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency
Was not told when consolidating loan balances with Navient that payment based repayment plan years would start over to the beginning of the 25 years of payments and would not be given credit for the 4 years that I have made payments. I consulted with Navient before proceeding with the consolidation.