WillisBack/dataset-financial-user-claim huggingface dataset:
I went down to best buy XXXX of 2014 and purchased a laptop where I was putting it on my best buy credit card that I currently had with them. When I purchased it they asked If I wanted to put it on my Best Buy credit card and I said Yes. So the purchase was made and I had automatic payments set up so that it would be paid off in a couple of months. XXXX XXXX to XXXX XXXX I received a letter in the mail from best buy stating that I have not made any payments to the credit card and they hit me with multiple late fees. I tried to explain to them that how is it possible to have more than XXXX credit card with them through best buy and that I purchased it knowing that it would go on the current credit card that I had with them. I asked them to remove the late fees and I just paid it off. Best Buy would not remove the late fees or would they remove it from my credit. Due to this error my credit score has declined and now it is hindering me from getting any loans or any type of credit. They said they understand my point but would do nothing to resolve it. If I knew that they were going to open a separate card I would have declined it. I just want it removed from my credit, It has all been paid off and I just want it gone from my history because it was not my fault that this happened but I have not had any help in this matter.
I purchased furniture From XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Maryland for the price of {$140000.00}. With a 3 month payment plan. I was told after the 3 months I would be charged interest, however the exact amount was not determined. They simply said no interest for 3 months then it could be up to % 50 interest. Prior to the One month into the furniture purchase the loan company, ACIMA charged {$3000.00} loan against my credit! I did not borrow {$3000.00} and it was reported as a loan against my credit without my knowledge before their 3 month deadline. I contacted the company and they said that is standard. It is not, it is a lie! This {$1400.00} loan that appears on my credit as a {$3000.00} loan with their inflated % XXXX interest caused me to be denied housing assistance by XXXX and lowered my credit score 200 points. Also the company, ACIMA, emailed me a fraudulent contract which I NEVER signed or agreed to saying I agreed to pay {$3000.00} for {$1400.00} furniture, I DID NOT! The electronic signature is false and is not my signature. Furthermore, I still have the copy of the original agreement that I signed along with the furniture representative. I would like ACIMA to take this {$3000.00} off of my credit and adhere to the original agreement with reasonable interest, since I did not borrow {$3000.00} in the first place. This practice is predatory lending and downright theft, it must be stopped. It is FRAUD! Everything is based on credit scores in America and the idea that a company can put a false loan on a persons credit is scary and disturbing IT IS CRIMINAL!
My son leased an apartment from XXXX XXXX in XXXX XXXX, California on XX/XX/XXXX. A few months after moving in he found out that the apartment is full of bugs. He notified the management and during the next 2-3 months the management sprayed the apartment on four separate occasions, but they could not get rid of the bugs infestation. The bugs would be everywhere. He had to remove all the dishes and food from the kitchen cabinets and kitchen area and he could not sleep at the apartment since the bugs were growling on his bed during the night. He stoped sleeping in the unit around XX/XX/XXXX. We met with three members of the management company at the end of XXXX and since they could not resolve the issue with the bugs and the apartment was not in livable condition my son was released from his lease agreement. We agreed to pay the rent for the month of XXXX as FULL AND FINAL PAYMENT. My son paid close to {$1400.00} rent and they also kept his deposit of {$250.00}. ( Total of {$1600.00} for not using the place for more than six weeks ). 
To our surprise a few weeks after he paid the final payment he got another bill for {$100.00}. We called the manger and explained this was incorrect and there is no balance due. We asked that this mistake will be corrected but instead of helping us, this balance was transferred to XXXX XXXX XXXX XXXX. Our attempts to tell Hunter Warfield that there in no balance due fell on empty ears. 
We believe that this is harrasament. We would like XXXX to correct their records and honor their agreement with us from XX/XX/XXXX. Per agreement this account was paid in full. We also would like XXXX to instruct Hunter Warfield to close their account and to make sure that none of the credit agencies show that this account was ever in collection.
On XX/XX/2019 at XXXX I received email notifications from my Chase Bank checking account that indicated that multiple online wire transfers were made from my account. As I did not make any wire transfer myself and I spoke to my wife ( who is the joint holder of the account ) and got confirmation that she did make any transfer as well, I immediately called Chase Customer Service at XXXX ( XX/XX/XXXX ) and notified about the fraud activity and asked to stop/cancel the transactions. Customer service agent confirmed me that she immediately froze my account and the transactions will be cancelled and the money will be returned to my account. As to follow internal the procedure of Chase, she asked me to open a claim process which I did over the phone at the same time. However, after a long so-called investigation process, Chase denied my claim. I talked to chase representatives over the phone several times. I provided records to the alerts as well as my call logs with customer service. One of the  evidences indicates that the hackers changed my contact number in my account profile after they accessed to my account. But nothing changed the denial decision. Some supervisors were very rude over the phone and literally told me that Chase has nothing to do any more and I should try with external agencies. Now, the question is : 1. There were total 6 transactions made by the hackers who hacked my online account. Among the six, chase cancelled two transactions, but never canceled the other four. Chase is unable to answer why they did not take appropriate actions to stop other four transactions. Note that I informed them about the fraud activity in less than 30 minutes. 
2. Chase stopped 2 transaction based on my reporting on the fraudulent activity, how come they deny claim for other 4 transactions where I reported all of them as fraud transactions. All the six transactions were made to the same destination bank account. If Chase is convinced that two of them are fraud, then what is the logic that other fours are not? I believe that the investigation team is missing to see the whole event holistically and thus drawing a wrong conclusion. Or there might be mishandling of my fraud report and someone did not cancel the other transactions ; Chase is now trying cover that up. 
By doing this, Chase is making me to lose of a large fund of {$19000.00} and not taking any responsibility of its customers lose. The way chase is handling its customers case is total carelessness and lack of accountability which is not expected from a large Bank like Chase. 
I would like to request for a proper review and fair resolution of this case so that we get our money back.
I previously filed a complaint with Citibank. After weeks of waiting for a response, I am still in need of information. While related to previous inquiries, this INQIUIRY IS DIFFERENT and a request for documentation I have called and left messages with the executive assigned to the previous case, but have yet to hear back. I need information about the credit protector service that I was recently issued a refund for. 1 ) When was the credit protector activated on the account? 2 ) After trying unsuccessfully to activate the benefits, I closed the account protector program. What date was this done? 3 ) I have filed numerous requests for missing statements and have yet to receive them. XXXX XXXX  nor Citibank has not responded to requests. I am now requesting all statements on the account from XX/XX/XXXX to XX/XX/XXXX. 4 ) I am also requesting the account statement that shows when the account protector benefit was added. 5 ) The account statement showing when the account protector benefit was taken off at our request. 6 ) A copy of legal document showing what the account protector program benefit entailed. 7 ) a copy of the calls that were recorded when speaking with XXXX XXXX-the executive that covered the previous complaint. XXXX
i have contact kay jewelery in reguard to my credit card account several times. I did not receive my XXXX statement and the only reason i did contact them is because i wanted to know the status of my watch that was getting fixed.come to find out they had my name spelled wrong and my address..when i asked more question they told me they would waive my late fee bu no interest. i let them know if i would have received my bill i would had paid my balance in full.. which i gladly paid, now i have a fee only balance and they are still refusing to waive the finance charges.
This is regarding Transunion 's " XXXX XXXX '' alleged scoring system that I have been fighting with for at least two years. I have no outstanding credit except my primary residence. Yet, my score went down 23 points in one month. Balance down. Date of oldest accounts ( average accounts ) up. Should be higher, not lower. Then, in further insult, the reports state that I have not opened enough accounts and my available balance is too low!!! Yet, everyone knows that if I follow the alleged advice, my score would decrease by over 100 points ( hard credit hits are 20 to 30 points negative impact for at least 24 months. ) Then, Transunion would end up reporting that I have too much available revolving credit - since they do not use length of employment or income or assets any longer. 
It is simply outrageous and I am specifically harmed by their false score reporting. Every one is using the XXXX because it is funded and controlled by the big 5 CRAs and no way around them. Another example. I have been in my home 18 years which I bought for CASH. I re-financed to get cash out, then my loan was sold multiple times, w/o the lenders informing me until AFTER the portfolio went somewhere else. So, instead of Transunion linking these together as the same loan with the same Borrower ( me ) and the identical property ; they report these as if they are new loans - and only show me owning this home for two years ... not 18. No call to my bank ( 16 years ) ; lender, etc. has resulted in anything except silence or " it's not our problem - take it up with XXXX ( who will not respond ). Not only that, they actually provide no contact information - it's a circular jerk. They refer you to your bank or lender who then refers you bank to XXXX. According to them, I am just now 7 points shy of falling out of the best credit group. I need to buy my son a car soon, and some other things, and this will cost me at least 1 % more per month.
Discovery Bank appears to be using the same tactics that XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX are accused of in the current lawsuit in Federal Court. 

Judge XXXX XXXX XXXX, who is presiding over the cases, has repeatedly refused the banks ' requests to throw out the lawsuits. In XX/XX/XXXX, when he refused to dismiss the case against XXXX, he said, " The complaint sets forth a cause of action that XXXX is using the inaccuracy of its credit reporting on a systematic basis to further its business of selling debts and its buyer 's collection of such debt. '' Highlighted below are Discover Bank 's tactics to use inaccurate reporting to facilitate penalizing the consumer. 

1 ) reporting missed payments after the account was charged off 2 ) reporting XXXX % credit utilization after account was charged off 3 ) reporting 31 90 day late payments in status 4 ) refusing to correct these errors after multiple attempts through all XXXX credit reporting agencies
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX   FINAL BILL XXXX : XXXX XXXX Equifax:XXXX XXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX   Equifax : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX  Equifax : XXXX XXXX  : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX   XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX.
On XX/XX/2018 I noticed my account was overdrafted. I transferred funds from a external account to cover the over draft. Before doing so I transferred over a test transfer to make sure the funds where going to be available and there would be no delays. There were no delays as it showed in my present and available funds. I then proceeded to transfer over 100 dollars and again it was showing in my present and available balance. Before logging out of my mobile banking my account was at a positive balance. The follow day I logged into my account and it showed 3 nsf fees. I contacted the bank and they said there was nothing they could do. I escalated it to a manager and again I was told there was nothing they could do. I have called several time and I have been told the same thing. Had I known that the funds were not going to cover the negative balance I would have deposited cash but because my account was in a good standing before logging out I felt comfortable and confident that I was not going to be penalized.
Wells Fargo repeatedly calls me at random hours of the day XXXX times from XXXX different numbers. All from different area codes. Now since I refuse to answer they are calling my girlfriend 's phone number is n't easy.
Everytime I try to login online to pay I can not and relieve a message to call the company. The credit card company is Frst National Bank of Omaha and the last time I called them I was told this was resolved. As soon as I get ready to pay again the same thing happens. To make matters worse they leave you on hold forever. By forever I mean over an hour. I don't have much free time as I work so holding for extended periods is unrealistic. The phone number is only good during the day in business hours. I do not recieve a bill by mail as I have paperless billing and even if I did I don't have checks. All my other credit cards that are easy to log into and get in touch with by phone are on time and have never been late. This card keeps getting charged late fees even though they are making it difficult for me to pay them on purpose. I feel as if they've made it difficult to pay to incur more money in late fees. I especially feel this way since I was told it would be fixed and it is not.
This company calls XXXX times a day, leave messages to return the call, I spoke with a rep XXXX XXXX, 2015 advised her of the calls, also in violation fdcp laws and guidelines, gave her my attorney name and contact number as we 'll. after I hung up with her XXXX was the name of the rep, she called or the company left another XXXX messages. This is harassment I do n't understand. This company calls and leaves messages XXXX to XXXX times a day I have proof as we 'll
Follow up to my complaint # XXXX XXXX. My complaint continues against my Mortgage Company Ditech Financial. Today XXXX I got two notices in the mail from Ditech. One says the flood insurance increase they requested has been met. The other says starting XX/XX/XXXX my house payment is going up from {$730.00} to {$810.00} to pay for the increase because they are mistakenly charging me {$210.00} for the flood insurance increase that I already purchased through my flood insurance company called XXXX XXXX XXXX. I paid XXXX at XXXX {$31.00} from my credit card on XXXX. The policy was due to expire on XXXX. I have no idea why she waited that long. My attempts to solve this issue started in XXXX and XXXX when Ditech informed me that a flood insurance increase was needed. I didnt ignore those letters as Ditech accused me of doing. I have sent at least 10 emails and made a half dozen phone calls trying to solve this issue to no avail. Thats why I need your help.
Good afternoon, This complaint is against U.S. BANK. ( Fraud and Homeland Terrorism ) I had a transfer from my Financial Advisor deposit in the amount of {$10000.00} to my checking account number : ______________________. However, the credit was never seen on the transaction history. Then when I engaged the bank in person I was given fraudulent documents listing incorrect transaction history, which I am in the possession of, but do not have the ability to upload because of lack of money and have been evicted from my home which has my M.F.P. to scan the documents. They indicate that the account is overdrawn and additionally, called XXXX in XXXX NV, and let them know the account was frozen which was a lie. They have also deactivated my debt card without my approval. 

These act 's defined by F.B.I. are homeland terrorism and has left me homeless and without a way to pay any of my bills.
I am filing this complaint because the Credit Bureau 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 con 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 manner as soon as possible. Thank you.
I am a XXXX in Maryland. I listed a XXXX home from Carrington MORTGAGE services. I signed a form with Carrington REAL ESTATE services agreeing to pay 35 % referral fee. The listing agreement with Carrington MORTGAGE services had me paying a 1.5 % referral fee to Carrington PROPERTY services. The agreement also stated that the max referral fee would be 1.5 % I assumed I was only paying a 1.5 % referral fee to Carrington. I never noticed they were all different companies they all had the same logos. They never disclosed that they were all different. All you see on there forms is the Carrington logo then in small letters either MORTGAGE PROPERTY REAL ESTATE services depending on who your paying. I think this XXXX a RESPA violation. How many other Realtors work hard for there commission only to find out at the settlement Carrington and all there partnership are getting there money they worked hard for.
Six days ago I, uploaded a song I made on soundcloud and talked about it on my twitter account. At Tuesday morning XXXX XXXX 2015 I received a message via twitter from a person under the username XXXX saying that he heard my song from soundcloud and that he wanted me to preform live on stage. The person continued the convosation by sending me an email stating three differient levels of exposure, A Slot : $ XXXX Full Promo / Massive Promo Includes : XXXXCd 's, XXXXPosters & Flyers, XXXX-T-Shirts ( Male/Female XXXX & Towels to hand out to fans. Also you will receive A Placement on XXXX Mixtape. Radio Interviews XXXX XXXX XXXX XXXX, XXXX Hour Block of Studio Time ( XXXX ), Club & Radio Spins in XXXX, XXXX We also set up XXXX paid shows for artist appearing on showcase. Tickets to attend 2015 BET Awards Red Carpet Event On XXXX XXXX 2016 VIP. Meet & Greet with celebrity guest XXXX. Compensation for miscellaneous things. 
B Slot : {$1500.00} -You will receive everything in slot A except for XXXX XXXX paid shows and XXXX Hour Block of Studio Time. 
C Slot : $ XXXX Artist or Producer will receive : XXXX Cd 's, XXXX Posters & Flyers, XXXXT-Shirts ( Male/Female ). Towels to hand out to fans as well. 
Bonus Slot : Negotiate On Rewards And Placement. For the break down of the slots pricing and credentials will be explained upon request. for an unsigned music artist, such as myself, at differient prices. I wanted to reserve slot A but did not have the full amount requested. He then called me saying that i could pay him XXXX XXXX dollars as a deposit and pay the rest once I reach XXXX. The person told me to send the XXXX XXXX dollars via moneygram by either walmart or a moneygram building and to send it to his assistant XXXX XXXX at XXXX, XXXX Once the assistant received the money, I would be contacted back. Once the money was sent I went to twitter and noticed that the person blocked me. I called the person on his cell phone but was sent to voice mail.
In or around XX/XX/2016 i opened a credit card with XXXX XXXX i moved away from my home that same summer so i was still receiving mail to my old home however i made every payment by mail XXXX   claimed they never recieved it XXXX later a representative called me and told me i had an outstanding balance and they never recieved a payment i told the rep although i am out of work i always made sure i sent my payments in so i made the payment right away with the representative through my checking account i asked the representative if these non payments were sent to the credit bureau Wich can damage my credit the rep stated she will have these late payments removed so it wont effect my credit because i made a payment upfront of XXXX $ and it was an honest mistake and miscommunication with XXXX XXXX and myself however here i am almost 2years later now suffering of bad credit because of 6late payments that has been reported to the credit bureaus by XXXX XXXX and they refused to remove it even though all my payments are current and i am working on Paying them off and there representative said they will be removed i tried everything i can possibly do in my Powerss to have them removed i disputed it with all credit bureaus XXXX   XXXX TransUnion you name it i hired XXXX XXXX i called XXXX XXXX  a million times they told me no error was fount requested a supervisor 3times and they told me i will recieve a call in 24 to  48 hours all 3times never recieved not one call i requested a goodwill adjustment they refused i dont want to take legal action they suspended the account Wich is fine i dont care about that they can keep the suspension on the account but i need the late payments removed something has to get done this is unfair if anyone takes a look at my credit report i have 5credit cards not one late payment besides XXXX XXXX the worse bank by far anyone who just neglectfully not make payments should be punished in this way
I received a letter from XXXX XXXX in reference of XXXX, account number XXXX. A debit that Is not mine, I would like that Company to verify the debt with my signature, and the original date of the debit. But they sent a letter stating the debt was closed. I state the debit does not belong to me, they have ignored my letter, Please send me the original contract of the debit with my signature verifying the debt, and I am suspect of the date of the debit, it is a 2008 debit.