WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I was victim of fraudulent activity on my account. 
I will take you through what happened, what the process has been, and why I am sending this complaint to you. 
I received a phone call from a Huntington representitive asking if I had made some large purchases at XXXX and XXXX XXXX ( in another state ). I told him no, I do not shop there/live there and did not approve or make those charges. 
He told me he would close my debit card, and that the charges were still pending and would not go through. Later that night, I checked my bank account, and I had {$0.00} in my checking account. More charges had been made and not caught, or my account was never shut down like the rep said on the phone. 

The charges are the following : XXXX XXXX XXXX XXXX XXXX - {$490.00} XXXX XXXX XXXX XXXX XXXX - {$670.00} XXXX XXXX # XXXX XXXX - XXXX None of these purchases were made or approved by me. These purchases drained my checking account entirely, and started drawing money from my savings account. 

From XX/XX/XXXX, to XX/XX/XXXX, I have been calling/chatting online daily with Huntington to try to track progress of this fraudulent activity, and to find out when I could expect my refund. I was initially told 5-10 days. When I called last Thursday ( XX/XX/XXXX ), I was told the money should be in my account on Friday, XX/XX/XXXX. It was never deposited on Friday. So I called again on Friday, and I was told to look out for the refund on Monday, XX/XX/XXXX. When I got in touch with a representitive today ( XX/XX/XXXX ), I was told the case was denied and closed ... that a letter was sent to me explaining the reasonings. 

This is absolutely unacceptable. I have been a loyal customer at Huntington Bank for over 10 years. 

I had to switch over a bunch of money from my savings to my checking to cover my bills and rent. I go on a big vacation in a few days and now I am out {$2500.00} that is rightfully mine and am being refused. I now have serious doubts about your internal research team and their efficiency. 
If they were to really look at my account, they would obviously see I am cautious with my money and have no prior history of randomly spending large amounts, or draining my own checking account, or even overdrawing. 

Huntington has apparently re-opened the case and they are investigating it again. But this could take up to 90 days and I have a feeling nothing is going to change with the case so I am taking every action I can to get my money that I worked very hard for, refunded back to me.
Equifax data breach really sucks and all my ssncredit card driver license was leaked and using now by other people they leak my info
XXXX re-aging of a moot and alleged debt AFTER fallaciously assuring the CFPB that they would 'cease and desist ' on XXXX 2015. This is a massive violation of the FDCPA and FCRA. NOW it has caused me to be harmed and injured by being declined for employment with the XXXX Life Insurance Company. I am currently appealing the declination.
Citi bank makes it very difficult to sign in to access credit card online information and pay your bill. On the credit card it states the website is citi.com. When you go to citi.com there is no link to current credit card accounts.
I have asked Weltman , Weinberg & Reis to not contact me at work and they have continued to call and leave messages, even after told them that I would have my attorney contact them.
Westlake Financial is reporting and has reported inaccurate information on my loan. Westlake just started reporting to the credit bureau based on my request for them to report the account to the credit bureaus in XX/XX/XXXX. Up until last week the accounts had been reported in good standing only after I made a complaint to the CFPB about the account not being reporting for the full length of time on the XXXX report. I called Westlake Financial to discuss the late payments that they are reporting. The XX/XX/XXXXpayment they are reporting is not correct as my payment due date was changed from the XXXX to the XXXX of the month making the payment due onXX/XX/XXXXand notXX/XX/XXXX. I made a payment onXX/XX/XXXX which would have made the account less than 30 days late. They are also reporting for the month of XX/XX/XXXX as late. I made arrangements for the payment to be put at the end of the loan this was completed on XX/XX/XXXX which was 12 days prior to the account due date. They advised me when I called today that due to the time it takes to process the paperwork my account became late. I was not advised that such would happen. Again up until last week Westlake had reported all of my payments as on time. So the last six months they reported the account as being on time but after I filed a complaint with CFPB now all of a sudden the account had late payments. It is a violation of the FCRA to report inaccurate information and holds a statutory fine of $ XXXX each occurrence. The person I spoke to today told me that I have to dispute the item with the credit bureau. I explained to her that I would like to dispute it with the creditor as your company is the one that made the mistake with reporting incorrect late payments.
THEY ARE REPORTING INACCURATE INFORMATION AND REFUSED TO SEND PROOF SHOWING THIS ACCT IS VERIFIED AND VALIDATED. ALL INFO ON ACCT IS INCORRECT. SENT THE COMPANY VERIFICATION AND VALIDATION REQUEST OVER 60 DAYS AGO AND THE COMPANY HASNT SENT INFO INFORMATION BACK TO ME AT ALL. BUT THEY ARE STILL REPORTING ON MY CREDIT AND REFUSED TO REMOVE AND SEND ME THE VERIFICATION AND VALIDATION ON THIS ACCT
A collection agency has sued me in a different city from a debt that is not valid and an error made by the hospital without properly contacting me. My very first contact with them was a summon to go court in XXXX, while I live in XXXX where there are numerous courts. I was not given proper chances to dispute the debt. I was dishonestly billed close to XXXX XXXX dollars for an XXXX and a XXXX, with no prescription and 30 minutes of service.
On XX/XX/XXXX, I opened an account with US Bank. I had signed up with the summer promotion they had. I opened it up with the promotion code. As a criteria for the promotion, I had direct deposited {$500.00} from my paycheck on XX/XX/XXXX XXXX. These were done within 60 days. 

I had submitted a secure message to the company regarding the issue. There are no dates since I can not find the original message sent. However, I did receive missed calls and eventually a letter from XXXX XXXX, a Customer Care Specialist. They stated that I have met the requirements for the {$200.00} promotional credit and would be credited after XX/XX/XXXX 

OnXX/XX/XXXX, I called XXXX XXXX and left a voicemail. Since then, I have not received the credit nor a call back from them.
Noticed on my consumer profile that this closed account was on my file, i have no clue as to this company and did not authorize this account.
I have obtained a recent copy of my credit report and have come to notice that there are just a few outstanding collections that I have no verification and or validation from and have asked the CRA Equifax to take care of these issues for me.
The ones that are troubling are the medical collections in which may be violating my patient confidentiality and is a HIPPA violation.
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Certified letter has been sent to Equifax requesting the same.
Tracking number XXXX - Equifax Credit Information Services, Inc
Capital One is processing a mortgage application for a condominium and demanding a totally irrational level of XXXX insurance. The association master policy provides cover for unit interior to original plans and specs. The master policy excludes improvements and betterments, which the XXXX policy should cover. The unit being purchased has no improvements and betterments ; it is the unit as conveyed to the original purchaser by the developer. Capital One 's requirement for {$290000.00} of XXXX coverage is completely baseless because there is not property of even a fraction of that value to insure. It is more than three times the coverage I would purchase that would include the value of personal property. Appropriate coverage would cost me about {$500.00} per year, not $ XXXX {$1500.00}.
A collection agency named " Midland Credit Management " is reporting inaccurate information on a monthly basis about an old credit card debt that was written off XX/XX/XXXX. This was " sold '' twice with " Midland '' acquiring XX/XX/XXXX. I sent them a certified letter of which they responded. They still report that this was " Opened '' XX/XX/XXXX. This is an attempt to injure my credit for years to come. This practice could go on for a lifetime.
Charged online purchase from Macy 's with Macy 's credit card. Received next bill with purchase on it. Returned the purchase before the due date and then made new purchases. On the next bill it showed previous balance {$350.00}, credits of - {$350.00}, new purchases of {$200.00} and a late fee of {$27.00}. When I called, I was first told I was charged a late fee because I did not make a payment. When I questioned the logic, I was given the same answer. When I asked how I owed anything when I returned the first purchase, the representative took the late fee off the bill. This is not the first time that this has happened to me with Macy 's. It happened a couple of years ago to me and I brushed it off. However, how many people are not reviewing their bill and paying a late fee when it is not owed.
On XXXX XXXX, 2015 I called Wells Fargo customer service to report unauthorized charges on my account. I was told there would be a stop pay order put in. When I went shopping I was unable to use my cards. After looking into this I found out there was a hard hold put on both my primary account and joint account. I am unable to access any of my money and was told it would take up to XXXX business days to resolve. I am now unable to pay bills or buy groceries. My personal banker and bank manager made numerous calls about this but did not get anywhere. They could not even identify who put the hold on the accounts or why, and found no one to help us. I have made numerous calls to the numbers I 've been given, and just keep getting transferred back and forth, and never reach someone in charge.
I begin paying back a {$22000.00} student loan in XX/XX/XXXX. I paid 75 months of {$140.00} ( total {$11000.00} ) ; 47 months at {$71.00} ( total {$3400.00} ) ; 24 months of {$100.00} ( total {$2500.00} ) ; and one payment of {$300.00} for a total of {$17000.00} to SallieMae/Navient. The interest is suppose to be 4.875 %. Over the past 13 years I have never missed any payments and pay on time monthly through direct debit. On this day XX/XX/XXXX, I still owe {$16000.00} on a {$22000.00} loan that I have paid {$17000.00}. Only {$6000.00} of the {$17000.00} that I have paid has gone to the principle and {$11000.00} has gone to the interest. How is this legal and ethical. I am XXXX years old and will go to my grave before this is ever paid off. I have looked at my current payment plan ( all I can afford ) and The payment will triple in XX/XX/XXXX and be paid off in XX/XX/XXXX with a grand total of {$35000.00} being paid back for a {$22000.00} loan.
The charge does not belong to me and my identity has been stolen. I send the affidavit as requested to Ideal collection services and still have had no response.
I am writing your agency because I would like assistance disputing charges on my  Citibank Mastercard. I  have been told that I am unable to dispute charges that are over 60 days old but upon research I have discovered that this is not true and I have the right to dispute these btype charges using claims and defenses. Last year I was contacted about and starting an online business and after paying a company by the name of  XXXX   XXXX   XXXX  {$140.00} I found that my phone rang constantly with products and services that I was led to believe were required and I have since discovered were nothing more than a fraudulent scheme. Most of the related charges were posted on my  XXXX   XXXX  and I have been allowed to dispute them. However, the following charges were on my  Citibank MC an d I would like them to also be disputed as such the charges are : A charge to a company by the name of  XXXX   XXXX   XXXX  in the amount of {$2400.00}.  XXXX   XXXX   XXXX   XXXX  in the amount of {$1600.00 } (  in total I paid them {$11000.00}  ).   There is  XXXX  more charge in the amount of {$4800.00} I paid to company by the name of   XXXX    Innovations who has charged me a total of {$8400.00}.     These companies I believe are committing fraud and conspiring to take advantage of people in an online business scheme. All of these charges are related and I have attempted to work out with the companies but have had no success with these in particular. I would like these transactions investigated as I believe that they deceptively sold me their service, in total and they have failed to provide what I was sold.
On XX/XX/XXXX I initiated an online dispute to Equifax regarding XXXX unauthorized inquiries on my credit report. On XX/XX/XXXX I  received an email from Equifax stating all inquires came back as factual record ( 5 day investigation ). I called Equifax on XX/XX/XXXX around XXXX XXXX and spoke to a rep by the name of XXXX and requested he send me the documentation they have ( from each company ) showing I authorized all of these companies to pull my credit report. XXXX stated " they do n't have any documentation '', he stated the companies are not required to provide that information and for me to call the company. I advised XXXX that the CB is responsible for making sure all things are factual before reporting. I requested to speak with a manager and  was transferred to another gentlemen by the name of XXXX. I explained to XXXX that I am now requesting documentation they used to confirm I authorized theses companies to pull my credit report. XXXX stated they can go by word of mouth from these companies. So that means anyone who has my social security number can try and obtain credit!? XXXX also stated that the companies who pulled my credit for inquires are " members of Equifax '' so they tend to believe what ever info they provide. I requested ( on a recorded line ) that they submit what information they had to states the inquires were factual and neither party was able to provide that information. XXXX just stated he would document the call. I have XXXX inquires that I did not authorize and would like them deleted
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Credit Bureau : TransUnion Credit Bureau : XXXX XXXX XXXX XXXX, PA XXXX Credit Bureau : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX, and I noticed an unauthorized inquiry had been made. 

I contacted TransUnion & XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into TransUnion & XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I bought items on XXXX and paid {$13.00} via XXXX. I charged this to my XXXX Visa credit card. When I received my Visa bill, there was a fee I paid XXXX of 1 % for Foreign Transfer Fee. I called XXXX and asked what is was for. They said that it was Foreign Transaction fee. I asked them who got the {$0.00} fee and they admitted that they did. So they got the money. They said the charges came through XXXX XXXX. 

The Vendor I bought it from shows on XXXX to be in Kentucky. The first stop for the package was ( XXXX ) " XX/XX/2018 Origin Scan XXXX XXXX , OH '' and I got the package on XX/XX/XXXX in XXXX ( Fl ). As far as I can see the item was in the US ; the company was in the US, I am in the US, XXXX is in the US, and XXXX is in the US. I think this is a bogus charge and clearly I never authorized it nor was I ever informed of it. 

XXXX Credit Card Issued by XXXX XXXX XXXX XXXX Cardmember Services XXXX XXXX XXXX XXXX XXXX Mo XXXX
I am XXXX XXXX. I recently started making payments to repay on this useless student loan to improve my credit. Great Lakes isn't reporting the payments to the credit bureaus even though my loan doesn't need to be paid right now. ALSO, they are only applying my payments to INTEREST ONLY on my loan. I'm being scammed.
I received a {$50.00} gift card from my employer through MyPrepaidCenter.com. This card is extremely limited in the number of vendors it is accepted at. By the time I finally got around to using it the card had expired. I was charged a {$15.00} fee for a replacement. I feel that this fee is excessive for providing a replacement card.
I have checking accounts with Chase and XXXX XXXX XXXX ( XXXX ). I deposited a XXXX check for {$13000.00} with Chase bank on XXXX 2016. Chase received the funds on XXXX XXXX 2016. XXXX XXXX XXXX confirms that Chase took possession of funds on XXXX XXXX 2016. I get a email from Chase fraud unit saying funds will not be available until XXXX XXXX 2016. 
According to Bank regulations Chase should have processed the check within two business days because they are local branches. 
Regulation CC Hold Guidelines Regulation CC availability rules include guidelines for cash and electronic deposits, check deposits from local banks and check deposits from other banks. Funds from in-person cash deposits and electronic deposits must be available to honor a depositor 's personal check no later than the following business day. Check deposits that are drawn on local banks must be available no later than the second business day following the date of deposit. The funds from check deposits that are drawn on a bank that is not local must be available no later than five days after the date of deposit.
I filed a form to change my direct withdrawal information from my old bank to my new bank. AES, the company that holds my Stafford loan, did not switch my withdrawals correctly, so a payment was missed during this changeover. Both bank accounts were active, and they knew the information for both bank accounts, so it 's not like the funds were not available. They just did not switch them in a timely manner. Ever since this change over, they have been charging me a late fee as if I am paying last month 's loan payment this month. So, even though in reality only one payment was late ( and not my fault ), until I caught this mistake, they charged late fees as if I was paying late every month. Since I was using continuous direct withdrawal, this should never have happened. I called and complained and they are refusing to refund the {$45.00} in late fees that I was charged over the last year and a half.
Received a letter from The Receivable Management Services Corporation ( " RMS '' ) for {$25.00} owed to XXXX XXXX XXXX ( my guess is for an electric bill ). However, all my utility bills are paid in full and I do not owe any balances. My electric bill has never been for only {$25.00}, so I doubt this is a legitimate bill. The letter is very vague and does not give any information about this " alleged bill. ''
I have been receiving repeated calls, XXXX to XXXX times daily for about two months from a number out of the US. The caller never leaves a message. I will not answer any calls that I do not know. This company comes up on the caller id as area code XXXX.USAA
I received a loan from Santander Consumer USA back in XXXX and the vehicle loan was paid off in XXXX! I had a late payment twice and it is still on credit report after 5 years that the vehicle was paid off. I was delinquency XX/XX/XXXX and XX/XX/XXXX that was 7 years ago! I think it should be dropped from my credit report bye now! XXXX report!
I opened an account with Comdata in XXXX of XXXX for my truck drivers to purchase fuel for long distance trips. My account code is XXXX. The cards were setup for fuel only and on situations were a driver needed cash for roadside assistance, truck wash, fax service, etc. I manually generated an EXPRESS CHEK code ( XXXX ) from the Comdata portal and send code to the driver with the amount available on the code to access cash or pay for service. 

On XX/XX/XXXX we hired a new driver, XXXX XXXX XXXX whom managed to withdraw cash advances from the fuel card without me knowing. The fuel transactions Mr. XXXX was making were legitimate but the cash advances were fraudulent. From XX/XX/XXXX-XX/XX/XXXX Mr. XXXX stole a total of {$28000.00} not including the fees for the cash advances. 

On the weekly statements Comdata sends in the mail ( " Daily RECAP SHEET '' ) these cash advances were not listed on the summary only express codes and the total purchases for each card. During the first week of XX/XX/XXXX we had a business slow down but the comdata fuel expenses were still high. I called in Comdata for help and when I spoke to a representative they guided me to a section of their website where I will have to run specific reports for detailed explanations and that's when I realized the fraudulent cash advances Mr. XXXX was taking with his fuel card. 

I have filed criminal charges with the XXXX, New Jersey Police Department against the driver. I immediately reported all the fraudulent transactions to Comdata however they are refusing to issue credit for the charges because they claimed the driver had a card. However I never requested for this drive or any driver to have access to cash advances that was the purpose for the express chek codes. If they would have listed these cash advances on the weekly recap statements I would've notice the fraudulent activity but they were not listed.

I believe Comdata needs to credit me back for these transactions as they never notified me about any cash advances this driver was fraudulently making or any of my drivers, and they also never notified me that my drivers were able to get cash advances with their fuel cards. I have attached a copy of what the daily recap weekly statement looks like and it does not show anything for cash advances.
My Credit Card Payment was drafted from my Savings account, not my Checking account resulting in XXXX {$35.00} overdraft fee and XXXX {$35.00} returned item fee. I called Wells Fargo on XXXX/XXXX/2016 and they said the best they could do was refund 75 % of the fees, and i would have to call the credit card department and get them to authorize 100 % of the fees to be reversed. I said i did n't have time to be transferred at this moment because i was at work and would take the 75 % until i could call the credit card department. I called the Credit card department today and they refunded me there {$27.00} returned payment fee and informed me that they could n't authorize my saving account to be refunded at 100 %. I got transferred back to the savings department that informed me i had already been refunded all i was allowed. I told them I was suppose to have 75 % of both {$35.00} dollar fees reversed, but they reversed 75 % of XXXX fee and 50 % of the other. I asked if i could just get 75 % of both as i was promised and they refused. I asked to speak with a supervisor and the Wells Fargo Representative said they couldnt refund anything more because i had already accepted the partial refund. I believe the whole cause of the overdraft was bank era and i have proof that my savings from the last 6 months was never drafted for my credit card payment. thank you for hearing my complaint.