WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of this year I noticed fraudulent charges were made to my checking account using my debit card number. There was a {$190.00} charge made on XX/XX/XXXX and an identical {$190.00} charge made on XX/XX/XXXX. Both charges were online purchases made at XXXX. This represented at total of {$390.00} in fraudulent charges. When I noticed the charges I immediately contacted the credit card company and informed them of the situation. Since I have a XXXX account I was also was able to cancel one of the transactions since the merchandise had not been delivered to the crook. XXXX refunded my checking account for this transaction. This left one of the {$190.00} charges that was taken out of my account. The debit card is supposed to have a no liability for unauthorized charges. 

I have gone back and forth with BB & T bank about crediting my account for the {$190.00} transaction that was not reversed by XXXX. The bank will credit my account only to later remove the funds. The explanation given is that the {$190.00} was returned by XXXX. They seem to be completely oblivious to the other {$190.00} transaction. 

On XX/XX/2018 I received a letter from BB & T stating they were reversing a {$190.00} credit adjustment previously made to my account. On XX/XX/2018 I called the number listed on the letter and again explained the situation to their representative. That person stated she would get back with me that morning. She never did. I accessed my account on XX/XX/2018 and noted that the bank had removed {$190.00} from my account. I again contacted one of their representatives and explained the situation. 

I can not understand how a banking institution can be so woefully deficient in basic arithmetic. If {$390.00} in fraudulent claims were debited from my account and {$190.00} were returned, then it stands to reason {$190.00} are owed me by the bank.
I was a victim of identity theft and noticed a collection from CENTRAL FINANCIAL CONTROL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CENTRAL FINANCIAL CONTROL instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
Exeter finance has my credit reporting XXXX, and XX/XX/XXXX these dates are showing 30 days and 60 days late on my credit report. XXXX and XXXX haven't properly investigated my complaint because I have attached proof and they totally disregarded the proof I sent. Some of the late remarks were in deferment and I have proof.
I called the Experian customer service number they told me that inquiries can not be removed off of my report I know that is not true I would like the name the telephone number and extension of the person they speak to And the reason why If not deleted here is a list of inquiries XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX
The Weinberg mediation company keeps calling after I told them to not call me anymore, they call all hours and sometimes 3 times a day, when I asked about the debt they say they can not discuss it so I said send me a letter, they said they don't do that but can email me. I refuse to give them an email address, now they call from several different numbers and as soon as I pick up the phone a person says hello, when I answer back they immediately put on the recording this has been going on for over a year.
I am submitting this complaint on behalf of my step father. His concern is in regards to the credit decision as well as problems paying this loan. He is unable to adequately read such documents that were presented to him and he did n't clearly understand all the terms or conditions that applied. But mostly, after reviewing this type of loan ( HELOC ) that was presented to him, I strongly feel that his level of education, limited income, age, as well as all the time and all the sacrifices he will have to make in the time allowed to satisfy the loan terms, maintain his home so that he may comfortably live out his days without leaving a burden upon his wife, kids, or grandchildren did not get taken into consideration. Either overlooked. Now that he is unable to pay such a variable rate loan, foreclosure is being presented. Which leads me to question the decision of this loan. Also Now that he is unable to pay such a variable rate loan, he is faced with the fear of foreclosure.
Here we go again, i notice that quicken loans does not respond, i think have them busted, they send me a e-mail on a XXXX escrow fee returned to me, i have canceled with them three times on ( ihave faxed them on this once already ) thier e-mail, they will not respond, this, and i have already responeded to this, i get if i respond they will figure my account is open for application agains, i cancelled it 3 times, i will not respond anymore for they are tricking, i take back all the good i said about Quickenloans, they are preditors and just will do anthing to make things tough to refi to, buy the way they have me at 4.75 % apr XXXX 30 fixed never was told that i had to trick them into getting that, yes another loan co has gone to the sewer, Beware of Quicken, the salespeople lie, the ask you for repetitivve info, and they trick you, if you respond they will consider you account open, imagime i have only have had 10 days with these XXXX, yes Quicken you are a buily, Imagine what thier customer service is like compared to thier bully tactics in your loan.I take back all positive on you, you are a preditor and i will not comply to your bull, i will not sign any dos with your and i dare you to charge me, be warned all of internet lender!!!!!!! Once agian I have cancelled 3 times and they continue to send me all these things, probably to just get an account, Quicken loans I complimented you, but as far as i am concern you are XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!! leave me alone, your salepeople lie and you put people thru XXXX for your stupid loan, you rip off people and do not give them the real deal, i tricked you today and got it,XXXX pages, i was only sent XXXX when i applied, i hope someone out there is sick of your practice, after all its all over consumers affair, i suggest all/they keep avioding my complaints i wonder why? after all they managed to steal A+ on the XXXX.AS you continue to plague me i will never stop thank burea u, i hope a lawyer or someone with power puts them out. 
you read it, and you will not make my mistake, i know you will lie on this, thats how preditors work/oh i have XXXX % equity and they still are billing on top of thos a point, never told sales people lie!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
on XXXX XXXX I want to use my atm debit card and it would n't work at a gas station. I checked it at ATM kiosk and it told me that the card has been deactivated. I went to Citizens Bank the issuer of the card and they seized my card inform me that the account was closed. Would n't give me any explanation.that was the XXXX branch. or to the XXXX branch office the next day with a witness.they still would n't tell me why the account was closed however the branch manager informed me that she would call me back in XXXX and she would try to resolve the issue and give me an explanation as to why my account has been frozen. I called two days later. the branch manager XXXX and for me that they 'd send a letter closing my account to XXXX to my residents on vacation here in XXXX at the time. where my XXXX check was deposited they froze the account. now they informed me that they 're sending a letter to XXXX telling me when they will release my funds. that supposed to be in a life-threatening situation due to my medical needs and the fact that they just need the money to live on.its cause me damages by Missed business opportunities and the inability to pay my automatic reoccurring accounts. not knowing if I 'll ever get my money back so extremely stressful.
I have an account with Synchrony Bank for XXXX music store. I am trying to pay off some of the promotional balances on the card. I have several balances that are equal payment no interest and I specifically am trying to pay off a couple of those balances. I had a balance that stood at {$16.00} and I made a payment to pay it off on XX/XX/2018. In order to have a payment applied to a certain promotional balance, I had to make the payment and either then call or chat to have it applied. I do not, for one, understand why they don't have this functionality on their website. Regardless, I made the payment online and then called them. The next day, I made a payment of {$100.00} to another promotional balance that should have paid that one off as well. I then chatted with an agent to have tht payment also applied just to that balance. To date, XX/XX/2018, NEITHER of those payments has been applied correctly. I have chatted multiple times with them and they have told me it would reflect online within 48-72 hours and now I am being told it can be 1-2 statement cycles. I am beyond tired of fighting with them. Now I have made my monthly payment ( actually about {$30.00} more since I paid {$200.00} ) and it has further reduced the balances on the 2 promotional purchases in question but they should have been paid off by now. I received an email stating the allocation had been done but it has not. As of my last conversation with a supervisor today, he did not listen and tried to reapply the {$200.00} payment I made yesterday as well so it is now possible that payment won't pay the monthly payments.
My credit score from the three major reporting agencies are XXXX, XXXX, XXXX. How can XXXX XXXX justify a rating of XXXX? Because they make up false information on the people so that they can help XXXX XXXX hopefully make more money on their auto loans. 

Limited history at address : I am in the process of moving to this location. I told that to the XXXX   people at XXXX when I purchased the car. I've been at my previous address for over 20 years and at the address prior to that for over 10 years. 
Not enough debt experience - I usually pay CASH, is that a crime? 
Total Account balances? 
Limited history at this Phone : 20 years on one phone and 10 years on the other. How XXXX is that? 

XXXX XXXX, ( XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX ) and XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX, XXXX ) are co-conspirators to defraud the public by providing wrong and or misleading information, so that XXXX XXXX can change the terms of the submitted auto loans so that XXXX XXXX can make more money. 

I am not sure if XXXX is also involved in this conspiracy or not, but if you look up all the complaints filed against XXXX XXXX, it sure looks like their might be a lot of auto dealers also involved as well as XXXX XXXX, for sure.
This is not an account that is owned by me and I did not authorize anyone to open this account in my name.

I am a recovering victim of ID Theft which arose from a stolen wallet in XX/XX/XXXX and I have kept a vigilant eye on my credit so in XX/XX/XXXX I aquired my ( 3 ) credit reports from each of the bureaus and was horrified to find that there are ( 13 ) unknown accounts on my credit and numerous amounts of inquiries which I did not authorize therefore, I exercise my right to request validation for each of these accounts.

On XX/XX/XXXX using the address and account number reported on my credit report I wrote my first letter to Financial Recovery Service , Inc account number XXXX  who claim that I owe the amount of {$810.00}. On XX/XX/XXXX I received a response from the collection agent in the form of statements as proof of validation.

On XX/XX/XXXX I wrote again mailing it by USPS certified mail. I informed them again that the account was unknown to me and to determine if this is an issue of identity theft or somebody with the same name I requested information verifying the transaction and details such as ; 1. was this account opened in person or on line 2. what identification was used to verify the customer opening the account my request was and still is for validation including competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that now proves I am obligated to pay.

I made it clear in my letters that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe IS a violation of the FCRA and FDCPA and I requested that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately.

It is ridiculous that it is now over 8 months since my initial request for validation which is now well over the 30-45 day time frame as per law and this collection company is out of compliance.

Under advise, I wish to informed Financial Recovery Services, Inc that I am prepared to take steps to file a small claim case in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR PDQ, INC., or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR PDQ, INC., has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR PDQ, INC., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR PDQ, INC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 

THIS DEBT COLLECTION AGENCY DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES.
I got a payday loan a few weeks ago for the amount of {$1500.00}. 

I was told that if I pay off the loan then whatever the CSO fee balance would have been would be eliminated. I was told this twice on the phone by a customer service representative before I even applied for the loan. 

I paid off the loan today - the website along with a customer service representative 's confirmation indicated that the balance was approximately {$1400.00} if I wanted to pay the loan entirely off. I paid this entire balance off. However, once I did this, the place on the website where it showed that all I had to do was pay this to pay off the loan was no longer showing this. Furthermore, there is another place on the website where the balance is in the 2,000 's still showing the balance with the CSO fees. They also still have the same remaining payments scheduled from my account that were scheduled before I made this payment. 

It is unclear what the payday loan company is trying to do. I feel like they are trying to collect more than what they promised. I have attached evidence of where it states that all I had to was pay {$1400.00} to pay the loan in addition to a record of a payment for this same approximate amount. Furthermore, I have attached the page showing the higher incorrect balance. They are trying to intentionally confuse me so they can collect a higher amount - this is how it feels like. All I want to do is move forward and not pay more than we agreed on. This is worse than if a thief broke into my home.
Nationwide Recovery Services failed to provided me with a contract bearing my signature of an alleged Debt that they said I owe them. there are various accounts on my credit report from them, I sent the first letter asking for VALIDATION, NOT VERIFICATION of any contract that I have with them bearing MY SIGNATURE. and they have failed to provide me any documentation bearing my signature. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Nationwide Recovery S ervices.   I am again formally requesting a copy of any documents, BEARING MY SIGNATURE, showing that I have a legally binding contractual obligation to pay you the alleged amount.  <P/> An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt.
The place where I lived before now says I owe them over {$5000.00}. This is after the fact that I had already received my security deposit back.
I started this dispute with paypal in XXXX XXXX. I sent this to the SEC and they referred me to you.I think PayPal is ignoring me because they failed in their, Fiduciary duties of protecting my money, and not sending me proper disclosure. In XXXX of this Year, I sold a coin on XXXX. PayPal collected my money. About 3 days later I got an email from PayPal saying that they were going to give the money back to the buyer, even though the buyer receive the coin he bought. An obvious scam!!! I called PayPal to ask how they had the authority to do that without my permission. They said they sent me emails telling me that if I did n't do certain things they were going to give the money back. I said I never received any such email and asked them to prove to me that they sent the emails and prove that I got them. I have been trying to contact PayPal by phone and by 3 certified letters over the last few months, the Last one was to the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I asked them to contact me to get this matter settled, I have received absolutely no response, I 've sent to their corporate offices in XXXX XXXX California. I think PayPal knows their wrong and think 's I will go away. I recently saw an article indicating that a class action suit was being brought against PayPal for the exact same reason as my case. I can send you copies of all my correspondence if you wish. I would think that a gigantic corporation would try to treat their customer like they meant something to them. Paypal is the Ocean and I am just a piece of sand. Well this piece of Sand Served in the XXXX XXXX XXXX where I learned to fight back. Maybe you can explained to me why I 'm bein ignored. Please Help Me
Public record XXXX XXXX XXXX Identification Number:XXXX is too old to be on file. It is obsolete, not responsible for this judgment.Please delete it.
My loan was bought by XXXX XXXX XXXX. I called about my payment showing past due. I sent proof i made payment on XXXX XXXX 2017 and account should be updated. Reps and managers have been rude and have attempted to collect even though my loan is not past due. Also receiving calls via auto dialer even though i have specifically advise then not to call me cell phone in the dialer. I have called several times to have issue rectified.now i am facing possible credit marking about this. I will file a Ag and bbb complaint as well.
On XXXX/XXXX/2015 I went to Bank of America branch in XXXX XXXX, CT to close out my account. I told cashier to close out my account and withdraw entire amount as I have enough bank account as it is. on XX/XX/XXXX I received a BOA statement saying I owed {$15.00} for maintenance fee. it appears the account was never closed. there was still money left in the account. that should not be my problem but BOA 's.
My name is XXXX XXXX. I had HELOC OVER 10 years ago which I paid and closed over 9 years ago. Wells Fargo failed to remove their name from the title and they are holding my closing. The buyer might walk away because of the hurdles by wells fargo. please help
NOT A DUPLICATE COMPLAINT. This new complaint is in response to recent postal mail from Equifax ( dated XX/XX/XXXX and received by me on XX/XX/XXXX ) completely disregarding my 2nd dispute against the ILLEGAL INQUIRIES still reporting in my credit file! All they say is, " The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have even called and spoken to extremely robotic, rude reps of theirs who repeat EXACTLY what's in the dispute report to me over the phone instead of using their brain and abiding by the law. One of them is rep with the ID XXXX who I spoke to on XX/XX/XXXX from about XXXX to XXXX. Whether I have complained here or spoken on the phone, Equifax has refused to do anything about the matter. Please tell me why and how Equifax reports this information, WHICH AFFECTS MY CREDIT SCORE, yet continues to wash their hands of any responsibility of this info they ILLEGALLY REPORT! The inquiries have NO PERMISSIBLE PURPOSE to be in my credit file : They aren't there as employment inquiries, court order inquiries, insurance inquiries, and they do not have firm offers of credit ( meaning, there are NO credit accounts in my file as a result of these inquiries )! As a consumer, I am allowed to dispute ALL info in my credit file ; yet, Equifax basically states that 'inquiries are facts that will just remain on your credit report unless YOU do OUR job of contacting the creditor. ' Violating consumer law, Equifax uses language that only suggests they investigate ( i.e. " results of our reinvestigation '' ), but they absolutely DO NOT INVESTIGATE AT ALL. Instead, Equifax has been using automated systems, like XXXX and going to 3rd PARTIES, like XXXX and XXXX XXXX XXXX ( XXXX ) in order to " verify '' inquiries. Then they lie and say that they " investigated '' and that there's nothing they can do about " factual inquiries '' that they ALLOW us to DISPUTE! (??? ) XXXX and 3rd parties are all extremely flawed systems and are never 100 % accurate. I have attached the ILLEGAL INQUIRIES I am disputing and the file includes my SS card and ID. PLEASE EXPEDITE THIS DISPUTE.