WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/16 I discovered an authorized debit transaction on my checking account. The transaction was an international wire debited from my account on XXXX/XXXX/16. The amount was for {$2500.00} + {$50.00} fee. I never filled out any wire or conducted a wire transaction. 
On XXXX/XXXX/16 I went to my local Chase branch ( Branch Manager XXXX XXXX ) to notify them of the unauthorized transaction. XXXX XXXX researched the transaction and confirmed that I was not the sender of the wire. Since the debit was a bank error, XXXX XXXX refunded NSF fees of {$12.00} on four occasions. This goes to show that it was a bank error. 
For several days thereafter I visited the branch at least three times to speak with XXXX XXXX. On one of the visits XXXX XXXX told me they were trying to locate the beneficiary of the wire in order to refund my money. 
On XXXX/XXXX/16 XXXX XXXX contacted me by phone and informed me that he was going to refund my money + wire fee to me no later than XXXX/XXXX/16 or XXXX/XXXX/16. As of this writing date, XXXX/XXXX/16, no funds have been returned to me. 
It is my understanding this fraudulent transaction is covered under Regulation E and I believe the branch manager - XXXX XXXX - is not complying with the law and is withholding information to my detriment. 
Please assist me to return my money + fee. XXXX XXXX 's reluctance to assist me is a violation of the law ( Regulation E ) and amounts to theft. 
Chase 's negligence has caused me great harm as I have had to live without my money for nearly one month. In addition, I am not receiving clear information from the bank.
They would call three times a day for a month after I submitted {$100.00} towards the account. Credence Resource Managemet ( CRM ).
I wish to lodge a complaint about my  Costco Citi Visa car d. I discovered that the card had been disabled on  XXXX   XXXX  when it was refused at  XXXX    XXXX    XXXX  in  XXXX , CA. I had inadvertently missed the  XXXX  monthly payment specified in the  XXXX  statement. The  XXXX  statement specified a  XXXX   XXXX  due date. I had several weeks earlier scheduled full payment by that date, including the late payment fee and accrued interest. Since that statement due date had not been missed, there was no reason for Citi to disable my card.
Through poor security practices, Equifax exposed my personally identifiable information to malicious third parties in a massive data breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach ; very little was done to notify the public for nearly a month after the breach was detected, and I received no email, letter, or phone call explaining the situation ( and instead learned of it through social media ).
I had a charge off for XXXX XXXX / XXXX XXXX for {$160.00} on my XXXX XXXX card it went to collections agency XXXX XXXX back in XX/XX/XXXXand then it went a third party collector in XX/XX/XXXX. I have paid over the amount owed between the 2 collection agency and XXXX is still stating I owe over $ 74.My bank accounts show payments made XX/XX/XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX {$32.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX  XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX  XX/XX/XXXXeE ERC {$33.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX So I am not sure if the collection agency distributed the payments to the orginal creditor. I have well over paid the amount due back in XX/XX/XXXX.
Citi Bank Account ending in XXXX Refinanced house in end of XX/XX/XXXX. 
I paid off my bill for Citi Bank {$12000.00} from my XXXX XXXX  account Our Finance company paid off the same bill, so until it was caught in XX/XX/XXXX we paid them twice. I called Citi bank and they proceeded to transfer me from one person to another ; still would not refund the money stating that they had to wait for it to clear my bank? According to my bank statement the electronic payment was made on XX/XX/XXXX? Still arguing about money clearing we proceeded to call my bank so she could verify the money had cleared the account. My bank indicated that it was an electronic payment so therefore there should not be a wait period for $ to clear? After a lengthy dispute about 3 hours they decided to refund the money and at that time I wanted to CLOSE MY ACCOUNT. On XX/XX/XXXX the electronic deposit was put in my account. 
On XX/XX/XXXX an email from Citi bank came to me with an overdue amount of {$580.00}?? My account was closed I thought, but apparently when Citi Bank refunded my account they left a balance on the credit card? Why would they leave a balance when they had more than enough to pay the complete balance and I told them to close the account at that time? Unbeknown to me my account was accruing interest and late charges as well as reporting it to the credit agencies giving me a mark on my credit! I was in tears, I didnt want to argue anymore after another hour and a half! They did not waive the late fees and were not able to change the credit bureau! Asked them why the account wasnt closed the first time and they couldnt say? 
On XX/XX/XXXX I received another email from Citi bank with another past due balance of {$64.00} from a software company on XX/XX/XXXX. I was furious!! I did not authorize any payment for software and besides all this my account was closed for the 3rd time in one year. Now XX/XX/XXXX I get a email statement with interest charges and late fees for this purchase. The bill is up to {$120.00} with late fees and interest. 
This company has been very disruptive to my life. I pay my bills on time and am very conscious of my debts. Something has to be done with this Citi Bank merchant. Please help me.
I made a payment on my Chase Slate VISA credit card account in the amount of {$9.00} on XX/XX/XXXX, which XXXX the account. I should have received a statement showing that payment on XX/XX/XXXX but no statement was produced. I E-mailed Chase several times starting on XX/XX/XXXX and they tell me they do n't produce a statement on XXXX balance accounts. But whenever there has been any activity on a credit card, the credit card company should be sending a statement showing that activity and most do. I keep complete records for all my credit cards and credit accounts. When applying for credit, such as a home equity loan, creditors require copies of my credit card accounts, especially showing XXXX balances. The last correspondence I had from Chase was on XX/XX/XXXX, from Senior Service Specialist " XXXX '', again refusing to send my statement either in .pdf format online or hard-copy via surface mail. This is spite of the fact that looking online, I can see my payment transaction listed there for " XX/XX/XXXX statement ''.
PayPal Case ID # XXXX On XX/XX/XXXX I used PayPal to pay for a purchase. Amount was XXXXEuros. 

Purchase was covered under PayPal buyer 's protection for physical goods. 

The merchandise received was defective. The seller refused to accept a return so I initiated a PayPal claim. 

PayPal confirmed that my purchase was covered under their buyer 's protection and asked that I return the merchandise to the seller, which I did. Paying over {$600.00} in shipping fees overseas. 

The seller refused to pick up the return. PayPal refused to issue a refund. 

I called PayPal again waiting 4 hours on hold for an overseas supervisor who was nice enough to escalate my claim on XX/XX/XXXX. 

We are now XX/XX/XXXX and I 'm still missing my refund + all the shipping fees that I had to pay for out of pocket. 

I would like for PayPal to issue a full refund as agreed otherwise I will have no option but to file a charge-back with XXXX. 

Thank you
My loan wa originally 30,000 maybe less it 's now up to {$74000.00} years ago they could have recommended income payment plan. I would have paid what I could have back than. Now I 've been in forbearance for years and interest has been accruing for 20 years. This will never get paid off. I 'm a single mother of XXXX and work 2 days a week as a XXXX. Years ago before children I could have paid more money according to what I made. Now?!?! I ca n't pay at all
I Initiated a dispute via letter to all  XXXX  credit bureaus in which the account reflected. The account was not validated and was removed from my reports. The account is now re reporting on my credit file and its under a new name. So the account was sold to a new collections agency.
I was going to apply for a credit card and mortgage in XX/XX/XXXX but found that my credit score had dropped from over XXXX to mid XXXX. I did pull my credit report on XXXX XXXX and found that XXXX XXXX was reporting twice and with a 90 delinquency. XXXX was taken over or sold to XXXX XXXX around that same time the delinquent reporting started so it was reported incorrectly. We had our mortgage company contact the two incorrectly reporting credit bureaus, XXXX and TransUnion to have them investigate and change the reporting errors. XXXX XXXX company was the company that submitted this request around XX/XX/XXXX. They said the change is usually made within 7 days of the request. They submitted all the documentation that they received from XXXX stating the account was paid on time and in full. We waited 30 days with no changes. I then filed a complaint myself through the credit bureaus on XX/XX/XXXX and again submitted all necessary documentation. I had to purchase the credit reports so I could then file the complaints and asked for the investigation. This is a simple case of improper credit reporting and this should have been rectified immediately. This is now going on two months.
On XX/XX/2018, I received a written notice from XXXX XXXX XXXX XXXX XXXX. regarding an account.
I am the daughter of XXXX XXXX and have power of attorney. My mother with my assistance are in the process of obtaining a loan modification. We started this process in XXXX of 2016. The decision to modify was due to our discovery of an exhorbitant interest hike for an interest only first mortgage which is now nearly 7 % as well her dwindling of assets due to these terms. Frankly the loan terms reflect a predatory abuse of a XXXX. It was n't until recent review that we discovered a high interest interest only mortgage. Thus far the modification process with Select Portfolio Portfolio Servicing Inc. as been painfully redundant in document production. Nearly every document has had to be re emailed to them despite confirmation of receipt in good order They also have asked for us to restate income from investments to a category known as " other '' rather than " wages '' which yielded the same gross income. This red lining against this XXXX systematically is depleting her assets and creating a default. Her simple objective is to preserve her home and reduce the interest rate to 2 to 3 % with a principal amortization of XXXX yrs which is something more typical of those yielded in the modification market.
I was on vacation when I had a medical issue. My medical is through the XXXX XXXX. There was no XXXX XXXX close by and it was life threatening so I went to the local hospital where I received treatment. From the beginning I informed them of my XXXX XXXX XXXX XXXX XXXX. XXXX wrote me a letter and stated that they had settled the entire bill with them and that I was not liable to pay any more. Now West Asset is reporting a medical bill from that incident. They never contacted me to validate the debt. I discovered it when I applied for a mortgage loan. I would and do fully dispute this debt as being 100 % covered by XXXX.
Hippa Violation!!! I never signed anything too release my information too a collection agency and or 3rd party
Between XX/XX/2017 and XX/XX/2017 I received a lot of hard inquires from auto financing companies that were not authorized by me. I wanted these removed since they have significantly lowered my score and I did not request them but these companies will not remove.
I received a letter from Chase entitled " Important Changes to Your Account Terms '', specifically as it pertains to a credit card of mine ending in XXXX. It states that my new Purchase APR will climb by 6.99 % to 11.24 % as ofX/XX/18. It also stated that if I have issue with this rate change and want to " Reject '' these changes I should contact Chase by mail at Cardmember Services, XXXX. XXXX XXXX, XXXX, DE, XXXX. I did write a letter to state that I had been a faithful Credit Card customer for more than 15 years. In that time I stated that I had never been late, had always paid on time ... however, I have never had my APR remain the same or diminished. I have spoken to several representatives who continue to give me the party line which states that my account is constantly reviewed. I never know when it is reviewed either annually or otherwise. As I mentioned earlier I have never had the APR diminished or remain the same. I was also insulted after writing a letter to Cardmember Services that I received a form letter from XXXX XXXX, Customer Service Specialist in which he did not address any of my reasons or thoughts for wanting the Credit Card APR to remain the same or to have it decrease. I find that there is no incentive for Chase on this particular card to a faithful credit card customer and am deeply disappointed in their reaction to my pleas.
XXXX   XXXX   ACCOUNT ... COMERICA BANK DOES N'T SEND UPDATES FOR MY ACCOUNT IN A TIMELY FASHION
I got a call 10 to 12 years ago from XXXX XXXX XXXX, XXXX that I owed something about {$5200.00} including late fees I told them I dont have credit card from Wells Fargo Bank and i hadnt live XXXX since 12 months ago after talking with manger and I will not file complaints if they remove It after that I didnt get call until few days ago I got bill that I owed {$9100.00} that I can make payments It seems XXXX didnt remove It and they arent willing to do so I will file complaints now also I dont know if this account in my credit report please help to remove It.
There a some huge issues with the collection that showed up on my credit report yesterday. One, it is well beyond the statute of limitations in Florida. Also, this is for a XXXX account that my ex-husband open years ago without my knowledge or permission. XXXX recognized this and subsequently removed my responsibility for the balance owed approximately 7 years ago. I believe Convergent bought some old debt and is trying to make some money without even attempting to find out if the debt is even valid. I am in the process of buying a house for myself and my children and this just made my credit score drop 40 points!
i am a current card user and my account has been locked by XXXX XXXX. i am unable to make any purchase due to Loss prevention locking my card and asking for proof of id. they require a me to fax my drivers license, social security card, a utility bill and, proof of income. I have worked with them to provide all information i could but no one will assist and my card continues to have a block on it i am unsure why the block has been placed on my card as i have had the card since XX/XX/2018 and made purchases and payments on the card. XXXX XXXX customer service has stated they will not close my account but will lock the account so i can not use it for as long as they want. ..
Us bank started the process of closing my account back in XXXX to this day my account is still in the process of being closed and there is a hold on my account. They say it is because a dispute that I filed that still opened so on XX/XX/2019 I canceled the dispute I was told it would take three days to actually close I called back is still open this was a dispute for {$22.00} I contacted the merchant again on XX/XX/2019 they were able to issue me a refund call the bank back they still have not lifted the hold on my account and I keep asking why and everybody just transfers me to somebody else nobody has given me a direct answer on to why my account is not closed they are holding my funds I have XXXX in my account that I have no access to and the dispute was filed XX/XX/2019
XXXX XXXX, XXXX placed a collection account on my credit report. I request validation of this account as I thought it was not mine. After the 30 day investigation I was sent no proof of validation or any information at all from the company showing that this account belongs to me. I then tried to dispute the information once again and still it was said the FCRA requirements were met on my XXXX report but the company removed the incorrect information from XXXX report. 

The company has not met FCRA requirements and should remove this account information from the other two credit bureaus immediately.
On XXXX/XXXX/2016 I received an email stating my PayPal account had been limited, I immediately contacted PayPal to find out why. I was informed it was because I had failed to update the tracking for my shipments but if I would log in and update tracking the limitation would be lifted which I immediately complied. I waited 24 hours only to find out my account was still limited so I called PayPal again asking for clarification. I was informed my last XXXX shipments needed to show delivered before the limitation would be lifted again I complied and agreed to wait for delivery confirmation. On Tuesday XXXX/XXXX/2016 after delivery confirmation was provided I was informed I would have to wait an additional 72 hours for the limit to be removed, I requested to speak with a supervisor regarding all the hassle and misinformation I was being provided. I was informed by the CSR that my account was being limited due to my name being associated with a negative account. Once the supervisor got on the phone he XXXX informed me he would look into the account and get back with me after a 20 min hold I was told by XXXX that the hold had went from 72 hours to 180 days with no reason given other than it is PayPal policy that if they feel an account is high risk they can freeze account for up to 180 days. I was told I had 3 options either wait the 180 days and do not cause PayPal any issues and they would contact me and let me know how I can then get my money, option 2 wait 45 days call back into PayPal and request an appeal ( which I later noticed once logging into the site that I could not appeal ), option 3 contact my customers and ask if they would ship back at their expense or at my expense they items they had purchased and were completely satisfied with. I informed XXXX I would be taking legal action against PayPal since other than my name being associated with an account that is negative they have no legal rights to hold my funds. The negative account is not my personal account my name is listed as a backup contact and an authorized user in case the primary owner is not available. The phone call ended and I have begun steps to take legal action against PayPal. I was hoping I could get your assistance with this at a time where money is tight and trying to support a family on a single income having XXXX frozen due to no fault of your own can cause lots of issues. 




Thanks, XXXX XXXX
I have attempted to speak with a LIVE agent at Equifax but unsuccessfully numerous times. 
I am NOT able to logon to their Official website. It is NOT accepting my Username or Password. When I go to Forgot Password it prompts me to enter my Last name which I know and my social security number as well as my date of birth, I click submit but it automatically tells me that they can not log me on and that I need to call but when I look to the upper Left hand of the page it can see my name Welcome XXXX ... ( what is that??? ) I am not able to get through as the phone rings out and then hangs up. What do I do? I do n't know if I am affected by the security breach. 
I want to know if there is a Security and or Fraud Alert on my account and I need to dispute some things.
I tried 3 times online and once by phone to submit a dispute. That alone proves what this company is doing. Chexsystems has put millions in poverty in some form. These agencies are criminal organizations and if you the government support them, we are no longer on the same team as well..please help i am simply trying to remove a closed checking account from  XX/XX/XXXX . Their reports they send to the peasant aka consumer give no dates on the account. I want the same report the overlords see and that should be a law. Anyways my dispute response is below but they never even accepted the complaint. People of this country need someone on their team before the inevitable happens..This is why the brave Americans got wild eyed and Did somthing taught in US History class..  XXXX    XXXX   XXXX   XXXX  ... Americans are  American because they do  n't stand for suppression and this does not represent how we treat citizens and these agencies need to change immediately. Dispute response below : This account is ov er 5 yrs o ld..there is no date mentioned on the actual listed item ( I got the peasant copy of this report ) in regards to   XXXX   XXXX   XXXX  . I will also cross report this dispute with the FTC because I personally do not trust anything that involves the company CHEXSYSTEMS.   I have also have reason to believe that other data regarding myself is not shown to me on my report but is being shown to the overlords who use this fraudulent anti-middle class company ... The rich are better than ever since year   XX/XX/XXXX  . The year these banks buying this companies evil info happened to do the same thing i did, but on a tad higher scale..doubt those guys show up in chexsystems because my portion of Taxes helped bail these banks from the brink of collapse. I was told to pound sand. Wonder why other people never recovered like the banks?   I do not know the date when i lost my job and everything I own including this checking account listed but to my best knowledge this account is old enough to remove ... have a great day guys keep up the awesome work.look around outside your country club.people are hurting, there is no middle class, and for-profit companies like yourself are one of the biggest direct causes for this. I also hope you guys over at chexsystems believe in Karma, because your next life will most definitely be a reflection of this ...  XXXX . -- -  XXXX   XXXX   XXXX  The following statemen t may or may n ot represent me personally but represents the opinion of millions of people that have had their life/dreams/happiness stolen because of this company. The y may als o believe this company is one major factors in the decline of the middle class. These millions of people told me to tell you the following : "   XXXX   XXXX   XXXX   '' This statement is my American duty as a citizen for the people & by the people. NOT THE CORPORATION