WillisBack/dataset-financial-user-claim huggingface dataset:
My debit card was lost/stolen when I was in XXXX XXXX, Nevada and was charged many times without my consent. I reported it stolen within 6 hours when I realized it happened. I talked to my bank and they had already shut my card off due to the amount it was used and said the dispute would be settled in 7-10 days. It was not settled within that time frame. I subsequently was charged over draft fees on top of the money that was charged even after I reported it stolen. I reported it stolen XX/XX/XXXX and talked to them on XX/XX/XXXX when my issue was still not resolved. They proceeded to tell me the dispute could take up to 90 days. I talked to another person on XX/XX/XXXX and they said my money would be returned by XX/XX/XXXX. My account was not corrected on that day and I received a letter on XX/XX/XXXX stating that based on their evidence that I authorized those charged which I did not. The bank letter is dated XX/XX/XXXX but I did not receive it until the XXXX. At my local branch my mom talked to the bank manager on XX/XX/XXXX and that I was not getting my money back and I would be getting a letter. I never received a phone call this entire time from the bank when they said they would be contacting me for further questions or information. Even with the letter I received stating the charges I was disputing was incorrect also. They only had maybe half of the charges. 


I have 24 unauthorized charges to XXXX XXXX in XXXX XXXX, Nevada totaling {$980.00}. I have another 4 XXXX charges in XXXX XXXX, Nevada totaling {$91.00}. One charge to XXXX XXXX at {$13.00} and another to XXXX XXXX at $ XXXX.Due to all of these unauthorized charges I have 9 overdraft fees totaled at {$260.00}. I am disputing a total of 30 charges for the amount of {$1100.00}. Also I am disputing {$260.00} in overdraft fees. That would be a total of {$1300.00} that I am disputing.
i found the website and applied to the site. 
XXXXand the site is no longer available. I received two cashier checks from theclients {$9900.00} and was told to deposit them then withdraw and put toanother account. and i am now been penalized for the checks. the checkswere fraudulent checks ps. XXXX XXXX has a website and he hasindicated that he is victim of identity theft. If he is indeed the perpetrator, Iwill be pressing criminal charges. 
On XXXX XXXX : the branch manager came up to me and said the following. 
XXXX : " the check is on a XXXX day hold, do you know where the check is from because if it s a bad check we would close the account to safe our butts. do you feel anything fishy about it? 
XXXX : '' I 'm a XXXX his from California and works XXXX. i really did n't think anything about it since it was a cashier check. " XXXX : " do you know the name of the bank? " XXXX : " XXXX something and its in California. " XXXX : '' ok ill call the bank. " i was waiting XXXX mins then the teller came back and started to finish my transaction. i asked her it it was ok, she said yes and i asked her if XXXX got in contact with the bank? she said yes. and XXXX never came out to talk me again nor pop up to see if i was being taken care of nor told what the bank said nor if she did get in contacted with someone.
The credit repositories should correct the XXXX XXXX XXXX  Loan XXXX on my credit report.
The correct information for XXXX XXXX XXXX loan is the following : 1. The last payment on loan XXXX was in XX/XX/XXXX. 
2. The loan XXXX was accelerated in XX/XX/XXXX, there were n't any monthly payments due after XX/XX/XXXX.
3. The last activity on loan XXXX was in XX/XX/XXXX.
4. XXXX XXXX XXXX DID NOT transfer/sell loan XXXX in XX/XX/XXXX. This remark should be removed from my credit report.
5. The current status of loan XXXX is not 180 days past due or 120-149 past due. The CURRENT STATUS of loan XXXX should not reflect any past due payments.
6. The loan 's current status should reflect XXXX amount due, XXXX monthly payment, and no payments due.
XXXX XXXX XXXX XXXX XXXX Credit Card As of XX/XX/XXXX XXXX XXXX has reported to all 3 credit bureaus that no payment has been made since XX/XX/XXXX When Payment ( ACH from a checking account ) were made in XX/XX/XXXX ; as well as on XX/XX/XXXX to the XXXX XXXX Account. 
Called and asked the company to remedy this within 10 business days or a complaint would be filed, the said go ahead and complain. 
Due to this false reporting my credit scores have each dropped in excess of 100 points,  causing great injury to my credit health and my immediate financial future as a consumer.
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX XXXX
After being a Coinbase customer since XX/XX/XXXX, on XX/XX/XXXX I noticed I was no longer able to log into my Coinbase account as none of my 2fa codes were working. I went through all the appropriate troubleshooting recommended on the Coinbase website. I was unable to reach anyone at Coinbase by either phone support or emailing customer support, and the Coinbase ID verification servers were malfunctioning as posted on their website with no timetable for being fixed, preventing me from accessing my account that way. As every option to remedy this problem was exhausted, I wanted to ensure my account was secured so I submitted a request on XX/XX/XXXX to lock my account and was told an account specialist would be reviewing my account and contacting me shortly. Since that time, I have spent a total of 6 hours on hold via 8 separate phone calls just to eventually either get hung up on by multiple customer support agents or have them answer and say there is nothing they can do to help. I have sent multiple emails with only generic responses and empty promises that someone is " looking into '' the issue. One Coinbase phone representative I spoke with said that it was impossible to give me an estimate on how long it would take to get my access restored to my account, and there was literally nothing she or anyone else could do about it. She also refused to let me speak with a supervisor, saying that she did not have one there. It has now been 26 days since I have had access to my funds, despite extensive effort on my part to regain access.
Coast Professionals INC is trying to collect in the amount of XXXX from me however I have no contract with this collection agency and do not owe them anything. Also the loan that I had with my school does not build interest and I paid down on the loan. The amount that coast is requesting is false and I do not owe Coast Professionals anything. Also they are contacting me via mail where I have never given them my mailing or live in address.
I do not have a contract with American Education Services ( AES ) however they are reporting on my XXXX Credit Report that I owe a debt. In addition, I have requested a full validation of alleged account that is being reported and XXXX completely ignored this request and certainly did not respond to the request within in the 30 day required timeframe.
I purchased a car and the dealership paid off the incorrect amount on XXXX 2015. I called several times requesting that they fix it and I got no response. I told the collection agency I do n't have that car anymore the dealership is responsible and each time I tried to speak to someone they would never get back to me with an answer. Several months went by resulting in a delinquent account and ruining my credit over {$260.00}. I finally gave up and paid the bill but it has made it very hard to get approved for anything.
Over the past several months i have been disputing this account and they keep saying that it is verified through the credit bureaus. I 've sent letters directly to the Creditor and the bureaus and the only thing i 've recieved back from the company is a bill from a doctors office that does not belong to me and a address that i 've never lived at before.
1. I have a 84 month CD with USAA - terms ended in XX/XX/XXXX 2. I called USAA on XX/XX/XXXX and requested the following - a. a copy of the XXXX XXXX from XX/XX/XXXX, and to roll my CD into a Savings Account until I decide what to do with the Money. The Representative XXXX said that this will take place, I requested to mail my XXXX and what ever else I need to do for this transaction to take place - call ended 3. On XX/XX/XXXX I called USAA back to see why I still have not received my XXXX, I spoke to XXXX first that informed me that it was not sent, and that the CD has now rolled over to another 84 month term. I said it was a mistake that it should have been rolled into a Savings Account, XXXX transferred me to XXXX. XXXX explained to me that I would have needed to fill out more information to open a Savings Account, I told him that this was never discussed with me. He researched the original call and said that the call was disconnected. I mentioned that I did not think it was disconnected as I was told from XXXX that he would take care of everything. I proceeded to file a complaint for a resolution. XXXX established an official complaint and said that they will order the transcript of the phone call. 
XX/XX/XXXX XXXX from USAA called me, said she is working on my complaint. 
XX/XX/XXXX XXXX called me said they reviewed the call - told me that the original request for my XXXX and the request for the CD to roll over into a Savings Account was made by me, but the call got disconnected ) MY COMPLAINT : 1. If the call was disconnected ( why did USAA not call me back? ) They do have information on the call where I requested to transfer my CD into a Savings Account and a copy of my XXXX. In my opinion they did not help me as a customer to complete my request. They let my CD roll over for another 84 month at a 1.01 % interest Rate. This was also not communicated to me in any way. 
2. I requested a copy of the transcript of the call, which was denied to me
I finally learned through the media I could apply  for IBR  when for 8 years I was put into forbearance when my payments were too much with  XXXX   XXXX  /Navien  t.  Per Navient site, my payments will go up to {$350.00} per month ( also had a federal loan previously serviced through them that I transferred back to federal so I can be PSLF eligible. ) They never can tell me, nor can I locate on site, exactly how much I 've paid into my loan since I started repayment in early   XX/XX/XXXX . I am  supposed to be enrolled i n IBR n ow with automatic payments from my bank account. For a year the site has said  one  thing while a different amount is extracted but there is no record of it that I can find on the site. I am so confused. When I graduated in  XX/XX/XXXX  with a  XXXX   XXXX  degree in   XXXX   XXXX   , I h ad under   XXXX   XXXX   in student loans. Now, 10 years later, if I were to pay off all of my loans today I 'd have to write a check for about   XXXX   XXXX   even though for several years I was paying way more than I could afford ( {$800.00} per month ) which drove me into credit card debt. At no point until last year did anyone refer me to  IBR o ptions. By my rough calculations, I 've paid around {$75000.00} towards my loans in the last 9 years. How do I still owe more than what I started with?! Please help! I am almost  XXXX   years old, single, no close relatives, and I live paycheck to paycheck b/c   of student loans. I will never be able to buy a house. The earliest pay off estimate for me is age  XXXX  in  XX/XX/XXXX . I ca n't even save for    retirement r ight now. These loans have ruined my life. I 've essentially paid of more than my original balance so how do I still owe over $ 10 0k.  The repayment calculators ive used say I will have paid around   XXXX   XXXX   for my student loans -- over 5x what the original amount was. How is that possible? This is so morally wrong! Please help me. I do n't know who to go to in order to have them review my loans and what illegal practices have been committed. I really think I have been a victim of the allegations against navient /   XXXX   XXXX  . Thank you!
I opened a Citigold account in XXXX 2016 under a promotion. The promotion was verified via verbal and written communication with Citi representatives multiple times in XXXX and XXXX. I also verified via verbal and written communication with Citi representatives that I met the requirements to receive the promotion in XXXX. I was asked to wait 90 days after meeting the requirements for Citi to honor their end of the agreement. After waiting for 90 days and not receiving my bonus, I contacted Citi. They are now claiming that I do not have a promotion on my account and are refusing to honor the promotion, despite me providing them with the written correspondence from previous months. An " investigation '' was opened by Citi and they continue to deny my promotion despite the evidence. Citi has taken my money and time based on promises that they are no longer honoring. This is unacceptable.
yes on XXXX a company called XXXX gave us a XXXX???? over the months we never got any bills monthly for the device. than all of a suden out of the blue.in XX/XX/XXXX we got a bill for XXXX????? dont think its right what they did.i contacted XXXX.left few voicemails stating we will not pay the whole amount of XXXX??? because they did not give us monthly bills at all????? i also left message with XXXX too pick up the machine???? they did not pick it up yet???? i also contacted the XXXX about this problem??? told XXXX about how XXXX contacted XXXX in XXXX nj????? XXXX said they would contact XXXX too see if they would lowere the amount out of a courtesy thing???? never heard back from XXXX??? all XXXX did was sewnd the new bill of XXXX???? all i want is for them too at least out of courtesy lower bill too XXXX???? thats all we can pay.my moms XXXX years old XXXX.has XXXX too.im her son XXXX too her.
I have a debt that belonged to my Ex Wife that she was able to acquire while I was XXXX. She used my information to acquire a Care Credit acct with a General Power of Attorney and got XXXX. Shorty after returning from combat she divorced me. In our divorce decree she is entitled to pay the Debt. However, After years of it being on my credit report I decided to settle the account with XXXX XXXX. I was promised that they would send me proof that the debt is paid and it has been more than 3 months and I have called XXXX times and they still will not do what they promised. They told my I would receive an email I did n't receive it. I was told I would get a fax, I did n't receive it. It was supposed to have been sent out on XXXX separate occasions, which I never received. They ruthlessly called me at my job and also called my cell phone after asking them not to. I am extremely emotional right now and need help. Please help me get this straight that no one else has to be put through this. All I want is to not have to think about the fact that I had to pay a debt for my ex wife to be able to feel better about her self. My life however has been torn apart for 6 years. I want my life back. I want this to stop. XXXX had no issue taking the XXXX dollars out of my account but refuse to report the proper information to the credit agencies. Please help me. 

XXXX XXXX XXXX XXXX XXXX ) XXXXXXXXXXXX
Equifax fails to respond to errors on my report They fail to update balances They fail to remove errors They do not update me on my requests They  drop my FICO   XXXX  points with no explanation When I request a copy the page states unable to complete your request When I call  XXXX  number they hang up This is a disgrace There is a  XXXX  point difference in equifax compared to the others I need Help
I am trying to close on a Home Equity Line of Credit, but ca n't close because the title search ( attached ) is showing a 2nd open mortgage on the property. The original mortgage ( XX/XX/XXXX w/ XXXX XXXX XXXX - attached ) was assigned to XXXX XXXX XXXX , subsequently corrected to Fleet Mortgage Corp. ( assignment & correction attached. ) In XX/XX/XXXX we refinanced with XXXX XXXX XXXX. ( mortgage attached. ) Apparently Fleet never filed a Satisfaction of Mortgage, so the Fleet Mortgage is still showing up on the title search as open. Fleet Mortgage Corp. was subsequently absorbed/bought out/merged - not really sure what. I am unable to track down anyone that has any records from when Fleet held the mortgage, and can file the satisfaction of mortgage to clear my title. Also confusing ( but not sure if its relevant? ) - In XX/XX/XXXX I refinanced the mortgage with XXXX XXXX. XXXX filed a satisfaction of mortgage, but the issue of another open mortgage on the property never came up.
I paid my {$5000.00} debt relief. They have 3 companies involved. At the same time I hired debt relief, I hired XXXX. XXXX Finished months ago. 

Debt relief and now with XXXX XXXX, say I pay until XX/XX/2025, insane, fraudulent. 
I've called them, they yelled and Argued with me. Companies are not supposed to do that! 

I have paid {$200.00} a month for almost 2 yrs. What are they doing with my money. I'm done
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
I saw this negative account on my credit report from TOWER LOAN for {$2800.00}. I sent Tower Loan a debt validation request letter on XX/XX/18, which they received on XX/XX/18. They have chosen Not to respond & ignore the request. It has been over 30 days & still no response.
I know the CFPB was trying to help consumers & XXXX XXXX had her heart in  right place but when the law passed & gave banks 9 months to prepare the whole nation got screwed. I was able to pay my payments plus extra always on time. After it went into effect my intrest rates went up from XXXX % to a ridiculous XXXX % on all credit cards & store cards & automatically doubled my minimum monthly payments or more. I didn't buy items at XXXX % but now I have to pay that. It's apparent the credit card company banks were showing their displeasure by punishing every customer. It wasn't just me, I know rich people this happened too, across the board didn't care if you were on time or behind everyone will suffer. 
I kept up with the payments as long as I could until a accident took my job away & cant make those double payments & the crazy intrest rates that never went down which we thought would if we just kept making payments. Now we cant make above the minimum payments so principal balance really never gets touched. I'm filing to repair my credit through negotiations but they all have ruined my perfect credit with one stroke of a pen from DC. I don't want anymore of their help because the Banks just find away around it.Its XXXX, XXXX, XXXX, Citi Bank with Best Buy,  XXXX, Home Depot. 
Respectfully, XXXX XXXX in XXXX XXXX PS many of our family & friends suffered the same fate. from now on its cash only for all of us. Cant trust the banks we bailed out this is how they repay our generosity.
I have sent a certified letter to experian explaining that I am unfamiliar with this account I suspect fraud and under the fair credit reporting act experian must verify within the confines of the law.
Hello, This complaint is on TD Bank. Recently I noticed a charge on my credit card that I never authorized. The charge was for {$4900.00} from a company called In Compliance Services on the date of XXXX/XXXX/XXXX. I always pay my balance and usually review our books. Upon a closer look we noticed this charge and we have never given out our credit card number to a company like this. The first thing we did was try to find out why the charge was made, so we did some research on the company to find out who they were. We called the number we got off the internet and asked who they were and if they could give us some info on why they billed us. They told us that they did compliance services and they have no records of charging our card, but they could n't give our money back. The only thing I wanted to know was why I was charged and they gave me a very vague ambiguous answer. I was upset because not only did they take my money, they would n't tell me why. The next thing I did was call my credit card company. TD Bank. This first phone call was made on XXXX/XXXX/XXXX. TD Bank started a fraud investigation, and said that they would do the research and find out what was going on, and also that they would credit me back the money that was taken if they find out the charge was not good. They said the investigation would take XXXX10 business days. So I called them back on XXXX/XXXX/XXXX and at that point they asked me to send a affidavit claiming fraud. So I sent them a letter stating that I had no business with this company. I finally heard back from them about a month later and they said that since the charge happened 2 years ago that I was responsible. I asked them about their XXXX $ fraud liability, and they said that it did n't apply here. They made it seem like they did n't even do an investigation on this company. They had me send them an affidavit and they did n't even lift one finger to try to figure out why these people charged me! I did my own research and I found out that the fair credit and billing act said that I was protected from fraudulent charges and that if I was billed that the merchant should have to provide documents saying what they charged me for, an invoice, something. Anything! So I wrote TD Bank another letter that included these federal laws that I looked into. Again I was denied. I also asked them to resend the information for the denials so that I could attach it to this complaint. They said they would, but they never sent anything. So I feel like I was victimized by someone who got my credit card information and that the bank unfairly denied my claim without even looking into it. I was just given the run around, and I was n't protected by my bank against this fraud. My husband has served in the XXXX and I just feel like we were left out to dry by TD Bank.
I 've been checking my credit score weekly, for the past few months, because I want to purchase my first home. When I checked it 3 weeks ago, I noticed that I had 3 new derogatory remarks from a debt collection agency. I called the agency, XXXX XXXX, to learn that they have reported an emergency room visit to XXXX hospital from 5 years ago, with 3 separate charges, and posted the date of the negative accounts with the current month and year. I tried to tell the representative that I did n't receive any notifications from them, nor the hospital, and I did n't owe anything on these accounts. He kept reading a prompted script, & would n't acknowledge what I way saying. I know I do n't owe XXXX hospital for any past services, because the last few times that I 've been there, they have me fill out paperwork stating that I 'm low income with XXXX dependents, and that qualified me for their medical assistance program.