WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I signed a new auto lease with XXXX XXXX/Toyota Financial, I had a bank checking account with XXXX used to make payments. In XX/XX/XXXX I had identity theft with XXXX XXXX, XXXX XXXX XXXX and USPS Mail system whereas my accounts were hacked, my mail were stolen and used to steal the credit cards. All accounts used to make online payments were decline and unable to be used after the identity theft. 
I have mailed the credit bureaus and banks with a copy of 2 identity theft police report : XX/XX/XXXX ; Second police report XX/XX/XXXX ; A stalking police report, XX/XX/XXXX ; As per part of the Victim Compensation Program of the State of Illinois I received a letter that states the prohibitions of any late payments not to be listed on the credit report as part of the Victim Compensation Act Program, any theft account open as a result of the identity theft/mail theft to be removed from the credit report ; In ordinance to avoid additional damages to the victims of crime in the State of Illinois, Federal laws enforce the forgiveness of late payment as per part of the crime that has occur and therefore no late penalties, late fees should be listed or reported to the credit bureau for the entire year of such. The consumer was also a victim of identity theft and robbery at the place of work at XXXX XXXX XXXX ( State of Maryland ) in XX/XX/XXXX, a purse was stolen from the consumer 's work office station containing a wallet, cash, XXXX XXXX XXXX Credit Card ( account closed and removed from the credit report ) social security card, driver 's License ; I had to close all account and depend on mail in money order to make payments to this account in order to keep up-to-date. I am a paid subscriber of the credit bureaus XXXX, XXXX, and XXXX whereas my credit it is currently locked and monitored ; A FTC Identity Theft was also provided to the credit reporting agencies, USPS Mail Inspector , drive 's license and utility bill along with all police reports were mailed to all credit bureaus agencies.
On XXXX XXXX, 2015, I received my credit card statement for my Southwest Airline account issued through Chase Bank towards the end of XXXX I called to dispute several transactions which started with an XXXX charge that I did not authorize. I also disputed several cash ATM withdrawals. I paid the remaining authorized charges in full. I did not receive any other statements after the dispute was filed and I assumed it was because the balance was paid in full. Towards the end of XXXX I received a call from Chase Bank to inform me that the charges for the unauthorized claims were going to be rebilled to my account. I asked the representative why they were not honoring the claim and she informed me that because I had set up a PIN for the account from my phone number registered to the account and because the card was still in my possession that I was liable for the charges. I then informed the rep that I never disputed setting up the PIN ; however, I did not authorize the charges. She then asked me, " Well then who did? ". I informed her that I did not know. On XXXX/XXXX/2015, I received a letter stating that my claim was denied because I received benefit from the transactions. I immediately called for an explanation and was sent to voicemail. The next day I received a call back and the rep told me that I could dispute their determination by emailing their supervisor. I did previously inform Chase that the only time someone may have had access to my card is when I had an altercation and my purse was left unattended. When I returned to retrieve my purse I found it on the floor with all its belongings scattered. I had a substantial amount of cash missing in which I filed a police report. I also informed Chase that the incident may or may not be related to the fraud on my account. They asked for a copy of the police report saying that I had to prove to them that I did not authorize the transacations. I sent a copy of the police report along with dispute of their determination. I received a call again saying they declined my claim because they said the police report was filed prior to me filing a claim. 

Additionally, when I received the first determination letter their was no information saying that I had a right to request documentation that was used to make their determination. I asked the rep if I had a right to dispute further why was n't that infomation included with the letter and she stated she did not know. 
Also, in the midst of all of this I received a call saying my credit card payment was past due. I informed them that I had not received a statement since XXXX. I had moved since the start of this claim and when they read me the address they had on file I discovered that they had incorrectly changed my address to XXXX XXXX instead of XXXX XXXX. I requested all statements from XXXX to current and found that they rebilled my account in XXXX which had a payment due date of XXXX XXXX. The letter they sent declining my original claim was dated XXXX XXXX. I since have occured late fees and additional interest charges. 
I beleive that my consumer rights under Regulation Z have been violated under various sections.
XXXX mailed me a form that said I was pre-selected for their Arrival+ card. I would earn XXXX bonus miles after spending {$3000.00} in the first 90 days. Apparently, their pre-selection process is not very good because they eventually sent me a letter requesting additional information. I had to call them to find out what. Annoying. So the person on the phone informs me that they need photocopies of my driver 's license and Social Security card and a bank statement with my address. //////////////////////// The person also informs me that the XXXX mile deal has expired AND that they 've already done the hard pull. So XXXX has now harmed my credit and taken away the bonus that was the reason that I applied in the first place. All due to their fake pre-selection process ( which is really just spam ), their business practices of doing a hard pull before getting the information that they need, and their own sluggishness. //////////////////////// I sent in the info anyway because, oh well, they already did the hard pull. This was on XXXX XXXX. //////////////////////// Then on XXXX XXXX, I received a letter asking me to send in that same additional information. I went to their website and they have a feature to check my application status. I put in my information and the message is, " Currently we are unable to offer you a credit card issued by Barclays Bank Delaware. '' This has nothing to do with my creditworthiness. I have a job that pays well, no debt, no mortgage, a nearly perfect credit history, a FICO score in the high XXXX, and I have never been rejected for a credit card. This is n't even a very good one.  This is due to their complete mismanagement and spammy credit offers.
I have submitted this case before. This is what TransUnion responded : Trans Union said : Explanation of closure The Fair Credit Reporting Act allows chapter XXXX bankruptcies to be reported for 10 years from the date of filing. Under the guidelines of the Fair Credit Reporting Act, we will not reinvestigate the item unless you can provide new information such as court papers that explains what information should be updated. You may add a Consumer Statement of XXXX words or less to your credit report or contact the court directly. Contact information for each creditor is provided on your credit report for review. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your credit report. 

Response We have reviewed your complaint along with the information you previously provided regarding this issue. On XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX California Federal Court was notified of your disputes. In response to the investigations, the disputed information was verified or updated accordingly and the results were forwarded to you for review. Currently, California Federal Court chapter XXXX bankruptcy # XXXX reflects a dated filed of XXXX XXXX, XXXX and an estimated date of deletion of XXXX XXXX. TransUnion reviews and considers all relevant information you provide, and we either will make changes to our report based on the information you provide, or we will investigate your dispute by contacting the source of the information. For public record information, TransUnion or a third-party we hire will check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. Once the verification responses are received, they are reviewed and the disputed information is updated accordingly. Changes made to your credit report are reflected on the investigation results that are sent to you at the conclusion of our investigation. If you have any questions regarding the results of the investigation, please contact the court directly. Please also note that the documentation submitted from XXXX does not address your dispute and can not be used to update your TransUnion credit report. 

I went to the Bankruptcy Court On Line Site, " Pacer '', and entered all the details several times under my Social and It Came up as, " No Records Found '', so in fact it does not exist in any court records. As I stated before they refuse to verify this listing as it has been taken down and was listed in error. Please see the attached document that is from the XXXX, Online Court Site.
On XX/XX/2016 my bank ( Synovus XXXX XXXX XXXX XXXX sent me an e-mail stating a check I had authorized was not cashed ( as the date had expired ) so my account would be credited. 
On XX/XX/XXXX I called said bank ( talking to XXXX in customer service ) advising that my acct was closed so they would have to issue me a direct check. She was to call me back. 
On XX/XX/XXXX I called again as they did n't & talked to XXXX explaining all. He said check would be a re-issued within a week. 
On XX/XX/XXXX I called again & talked to XXXX who said check was sent to my former address on XX/XX/XXXX. Said would re-issue to my new address. 
I still do n't have my money!!!!!!!
On XX/XX/2019, I initiated a {$10000.00} transfer from my Capital One account to my XXXX account. I am the sole owner on both accounts. Capital One unduly profiled the transaction as suspicious based on discriminatory reasons, froze my accounts and notified me all my accounts were frozen.

I called them right away and spoke with a member of the security team who subjected me to a series of prying Securities questions and steps to verify me and that I had initiated the transaction. After I patiently and successfully complied to all Capital One uncalled for security steps, I asked the agent if everything was in order and he confirmed that it was all good.

The next day, I found out from XXXX that the {$10000.00} transfer was reversed by Capital One from under my nose.

Capital One never bothered to inform me this would happen at any point in my dealing with the security team, on the contrary they said that it was all good.

I followed up many times since I found out from XXXX about the illegal transfer reversal by Capital One and my funds are still to this day not back on my account. It is now the XX/XX/XXXX and Capital One is still not telling where my funds are.

No one from Capital One Customer Service or Capital One security team bothered to give me updates ( I have to call them every single day to get different answers ) and they tell me they have no control over this ; when they are the ones who purposely made the mistake and created this mess.

I believe I have been profiled/discriminated against as there was no objective/factual reason under the sun to flag my transaction as fraudulent. It is a regular domestic transfer from one account I solely own to another account I solely own, that I also went through the extra step/hoops of thoroughly verifying on the phone with the security team at Capital One.

I am asking full reparation : my funds + compensation for interests lost and for the time spent dealing with this ordeal and aggravation I have been through.
I have not opened an account with XXXX XXXX XXXX.I am not aware of any of the activity on the credit card. It does not belong to me.
Our company changed insurance in XXXX of XXXX. I received vision services at XXXX XXXX hospital in XXXX XXXX in early XXXX. The bills were apparently sent to my office, not home as indicated. Typically, it takes several months for insurance companies to determine the amount they will pay and the amount owed by the insured and then they will bill the insured. 2 months later a collection agency, Progressive Management Systems in XXXX XXXX, CA contacted my employer and told them of the issue but did not call me and I was n't alert at the time. I found out about the contact later after receiving a subsequent contact from the agency. I immediately called the agency and they agreed to remove the delinquency and note I was not at fault and in fact just became aware of the outstanding nature of the bill. I was concerned about their un professional behavior over the phone, talked with a supervisor but was still worried about their tactics. I then called XXXX and immediately paid the bill and they advised that they would delete the delinquency. As far as i know this has not been done.
The calls started a few days ago. They also operate by another name XXXX, also based in Georgia. They claim to be attempting to collect a debt for an online loan. I have resolved all my outstanding accounts, by either having them discharged in my bankruptcy in 2015 or have settled directly with the company. I receive mulitple text messages, threats by email and harassing phone calls threatening legal action. I have repeatedly asked them to stop and have they have not. I am including a copy of the long list of BBB complaints about this company
this is a false collection letter from ERC FOR XXXX XXXX I HAVE NEVER USED XXXX XXXX. IT'S A SCAM
Eos cca contacted me by phone saying that I had a {$270.00} debt from XXXX from 2012 and asked for my credit card number to pay off the debt. I have never had an XXXX account in my name, and had certainly never received any type of notification of debt. The only information I could find on this company was on XXXX and I read several stories similar to mine. I called XXXX and they had no record of me having an account or ever having a debt. I called Eos and told them this and they said that a customer service representative wouldnt know since they sold the account to the agency. I then called XXXX back and they said that even after they sell an account to a debt collector, they keep a record of who they sold it to and such, the account does n't just completely disappear. Eos said they would send me a fraud kit to fill out but it just does n't seem legitimate. They also said they already reported me to the credit bureau which seemed more like they wanted me to go ahead and give them my credit card number over the phone.
We have previously filed a complaint about this situation. Our mortgage loan is with Nationstar Mortage. Twice last year ( 2015 ) Nationstar has reported our mortgage loan as a line of credit and have lowered the credit limit. This is not valid as the loan is a conventional mortgage loan. We have tried resolving thing with Nationstar to no avail. They ignore our attempts at resolving this issue. It is against the law for them to report the loan as a line of credit and to lower the credit limit on the account. We feel this personal and malicious. It has lowered the credit score for both borrowers ( husband & wife ) by XXXX points.
" This complaint is related to the Fair Credit Reporting Act. 

My Ch. XXXX bankruptcy was discharged in XXXX 2015. The Trustee notified my mortgage company ( Greentree ) in XXXX 2015 of the discharge. Greentree mortgage merged with Ditech mortgage in 2015. In XXXX 2015, my attorney sent copies of that discharge notification to both Greentree and Ditech. 

Ditech continues to report this account as an account in active bankruptcy. 

I have spoken to multiple representatives regarding correcting this. ( XXXX/XXXX/15 XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX ) I have been told that XXXX XXXX ( id XXXX ) & XXXX ( id # XXXX ) have been working on resolving this matter. I have left XXXX messages for their Manager XXXX XXXX. To date, I have yet to receive a return phone call. 

Can you assist me in resolving this inquiry to have the Ditech report this correctly to the credit reporting agencies? ''
My Capital credit card account my payment went over XXXX from may i cant keep on paying this amount i was charged 44.70 % for purchases and cash advances.
I was not able to finance a car through CNAC without a co-signer. I purchased a 2006 XXXX for {$5000.00} above blue book value ( {$12000.00} before taxes and interest ) due to not having a credit history, with a cosigner. I made all payments and on-time, I was never late. I had a life crisis and took the car back and it was a voluntary repossession. They then let my cosigner buy off of the contract, which did not credit towards the debt, and then sold the car at auction for {$120.00}, leaving me to pay {$9000.00} on the car still. I ca n't believe that there is n't a law preventing companies from " screwing '' someone this badly. I was a responsible borrower who kept to the payment plan exactly and when disaster struck, I tried to make things easier for everybody by taking the car back before I moved out of state, just in case I would n't be able to make payment. Not to mention, they told me that if my situation turned to the better before it was sold that I could pick it back up and continue where I left off, and I was able to make my next payment, but they would n't allow my cosigner to pick the car back up for me before they sold it, due to " the person managing the account is on vacation. ''
Wells Fargo, who has already admitted to opening TWO fake accounts in our family members names, recently sent me TWO new debit cards in my name. These cards were not requested, and they are separate accounts from each other and seperate accounts from our personal accounts. These came in seperate mailings, and are further evidence of FRAUD of this bank. We recently bought a home, and we believe that these 2 additional credit cards may have affected our credit score negatively, causing us to have a higher interest rate. My husband and I are furious and disgusted with this bank, and need the authorities to stand up to this fraudulent institution.
XXXX states that they do not have an account for me, when they do, I am attaching reporting from XXXX  XXXX, from XXXX. XXXX sent me a letter asking for copies of my social security card and driver 's license. 

XXXX had a major security breach recently, so I am not comfortable sending them copies of my identification, when they already have all my info as demonstrated by them reporting monthly on me. 

TD Bank claims they are not the ones reporting and it is not their account, however, the negative report is under XXXX XXXX and the address is the same address as TD retail card services. I have attached their XXXX page as proof.
Please see the attached statements and support. 

I am formally filing a complaint regarding the XXXX from XX/XX/XXXX. This promotion stated that purchases up to {$10000.00} would be paid back at 10 % for each eligible card. I did not receive credit for these properly for either of my credit cards. Accounts ending in XXXX and XXXX were not credited properly. I have tired numerous times to get the proper credit but the reps said my purchases included gift cards and not eligible. The terms with gift cards were not in the original terms gift cards were not excluded from this promotion and the purchases were made before the terms changed. As per the attached statements, account XXXX was only credited {$200.00} but I made over {$10000.00} in purchases so I am owed an additional {$790.00} on this account per the original terms. 
I opened an additional card account ending in XXXX and according to the statements provided I did not receive any XXXX rewards even though I made the necessary {$10000.00} in purchases using XXXX so I am owed {$1000.00} in rewards related to this promo. In addition, this account was new so it qualified for an additional promo where all purchase cash back would be doubled for a year, so this {$1000.00} credit should be doubled to {$2000.00}. 
This was a very poorly run promotion, and extremely disappointed Discover tried to change the terms after my purchases were made and would not pay out my rightfully earned rewards per the original terms. After Discover refused to pay out my earned rewards, I have begun to think negatively of this company and do n't use the cards as much as others. Please pay my {$2700.00} in rewards for customer satisfaction, as I have been long term holder of a Discover Credit Card since XX/XX/XXXX. Please contact me at XXXX with any questions. I have had other friends that have gotten their cash back and I hope you will consider this complaint seriously so Discover Card will be my card of choice in the future.
I have sent many pages of documents over the past few months and before that i signed agreement Wells Fargo sent me to sign off for him to represent me, after i did that Wells Fargo refused to work with me. 
He kept on telling me every was moving along fine. I never got any proof of that. 
33 pages were sent that i sent to him by fax. Several other pages of bank statements, IRS utility bills to show what i make and what i pay out. 
I find it hard to believe he did not send them but if he sent them Wells Fargo should have been working on them with XXXX and or with me? 

I ask Wells Fargo to give me to after the XXXX of the year and i will send them whatever they are missing. I lvm with several support specialist as i could not reach them. 
I will send {$1000.00} immediately and in another 2-3 send them  {$900.00} more. 
If refinancing is an option maybe that would work???
I 've been a Citi Thank you card member for 6 years. Over the years I rarely used the card due to many inconveniences with my online account and poor rewards program. I called Citi Cards back in XX/XX/XXXX attempting to give Citi another chance by converting my card to the XXXX card. I called in XX/XX/XXXX to get a status on the conversion and the agent told me the conversion took 45 days or so. Today is XX/XX/XXXX and I was told by Citi Customer service that there had been some sort of delay with no expectation on when the conversion was going to happen. The agent did not care for my frustration nor attempt to make things right. Both agents I spoke with seem flustered and not confident in their ability. Out of frustration I decided to close the card but I really thought they could give me a more positive response.
On  XXXX  I was contacted by CRS  XXXX . The gentleman told me he was a lawyer who needed to get my side of the story on a debt I owed before going into court. He stated he was a lawyer and that the company I owed the debt to had filed legal action against me for check fraud that was punishable by jail time, fines, and restitution. He stated that unless I gave him my debit card information immediately they were going to move ahead with the legal filing against me. What can be done about this?