WillisBack/dataset-financial-user-claim huggingface dataset:
my cards were stolen my id was stolen at target I reported the cards stolen and id stolen my balance at target was XXXX back in XXXX 2012 even i reported the credit cards were stolen and I put a fraud alert they still used my credit cards XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, all menitoned they removed all charges, I paid XXXX my balance Only my what I authorized the credit card, i was going thru a difficult time, divorce XXXX my kid trying to XXXX and myself, both were going to XXXX with XXXX here in XXXX XXXX I had no time to pay attention wiht my bills, my mother was paying some of my bills while I was dealing with divorce and my kids never thought they were going to use all my credit cards and my ids were used they even tried to get more credit and took money from all the credit cards, as you can see XXXX, XXXX, XXXX, XXXX XXXX, they removed all unauthorized charges I can not believe we put over identification so in bad hands and we are not protected anyone can use somebody'else card and id? without asking confirming id? I mailed long ago a disputing charges to target willing to pay only my balnace of {$61.00} even I mailed them my last statement and disputing the charges, I called the XXXX business credit bureau to report the stolen ID and credit cards this is the protection we have? 
I am disputing the charges of {$470.00} I called target today I spoke with XXXX then with XXXX she told me to write another letter mail it to Target card serces dispute solutions XXXX XXXX XXXX I have mailed over XXXX letters already to target called them many times here I am writing this complaint to you XXXX to take action of my complaint please I want this to be deleted from my credit please call me at XXXX I will report this to the Consumer Financial Protection B. as an act of failure to my consumer wright, be need more consumers protection ask for ID when anybody is using credit cards to identify the end user that way who stole my ID or stolen credit cards can be prevented stopped,! I as US citizen need more consumer protection from ID theft.
ChexSystems is showing that I have a derogatory public record on file. This is not the case and the case has been given a " Full Satisfaction of Judgment '' ruling, XXXX2015
I called and asked if there was any way to come up with an affordable payment option and their reply was " We don't offer payment plans or consolidation ''. They said they can't help me. This is unacceptable because my monthly payment is going to be around {$800.00} a month. That's more than my rent and car payment combined.
i am having an issue with @ TDBANK_US allowing charges to go through on a debit/charge card on a weekly basis. i have spent hundreds of dollars monthly on over draft fees, i am a small business owner with very little income and struggle to balance maintaining clients as well as finances. @ TDBANK_US allows charges to go through on debit cards when there is not money in the account. they end up hitting me with over drafts and it ends up snow balling the problem with more over drafts. i have spook with my local branch manager and he told me that there is no protection for business owners only consumers. in the past two years i have paid in on over drafts approximately {$2500.00} in over drafts which i cant afford. i think something should be done with this and stop @ TDBANK_US from charging cards that have no funds on them
When I received my XXXX 2016 Citi Diamond credit card statement, the minimum payment due was {$25.00}. Instead, I paid the {$340.00} balance IN FULL, via money order. The payment was n't posted by the XXXX/XXXX/16 due date, so I authorized a {$25.00} transfer from my savings in order to not be 'late '. XX/XX/XXXX came and went, still without that {$340.00} payment posting. Once again, I made another {$25.00} payment in order to not be 'late ' with the XX/XX/XXXX minimum. In the interim, I contacted the money order company and spent another {$15.00} to get a copy of the original money order sent to Citi Diamond, hoping to see if it had been lost or stolen. When I got the copy back, it is clearly stamped, " DEPOSITED TO CITIBANK '' on XXXX/XXXX/16. I contacted Citi and they have been no help. They are telling me their invesigation will take at least 30 days, and in the meantime, I will have to make another {$25.00} payment by XXXX/XXXX/16, so I 'm not 'late '. Now I 've paid an extra {$75.00} that is not even owed, all because they miscredited MY {$340.00} payment IN FULL back in XXXX 2016.
XXXX   2016  i filled a dispute against ERC  XXXX   XXXX   XXXX  in the amount of {$340.00} and on  XXXX   XXXX     2016  it was removed from credit reports all  XXXX  credit agency 's and now reported again as a new collection i had no warning no letter i received an email from my monitoring service that was added once again ... same amount from ERC i have filed another dispute with agencies and they said they nothing i can do ... how can they remove it and reopen it ... ..       thank you  XXXX   XXXX
I went to school and graduated. Cant get a job in the field, due to the school not being accredited. There were extra fees added that i was not aware of.
On XXXX/XXXX/15 I signed-up for a Wyndham Rewards Barclay Card as part of a Wyndham time-share program I purchased. The Barclay VISA credit card was used for the down payment. The terms of the Barclay agreement I received that day said 0 % APR for balance xfers for 45 days after opening account. When I received the credit card about two weeks later in the mail, the balance xfer terms were 0 % APR for 0 days after opening account. The online account also says 0 % APR for 0 days after opening the account. This is an error I would like to get fixed.
Earlier this week I opened a new money market account online. My account is a joint account with my wife ; however, the process to open the new account online included me providing my driver 's license, and none of my wife 's information. Several days later, the new account appeared online, in their online banking system but did not display the interest rate ( likely under 1 % ). I called the XXXX number to speak with a customer service agent and they advised me that I was not on the account. I explained that the account was opened by me using my driver 's license. Also, I had authenticated with them with the password on my account. Since I was logged into their online banking portal, I could provide complete account number for all XXXX of my accounts, including a checking, XXXX savings, and a mortgage account. I asked to speak to a supervisor or manager so I could understand the protocol around authentication and account ownership. I was once again advised that I do not own or have access to the new savings account opened earlier this week. I asked who opened it and they again stated they were not allowed to discuss the account. I will likely be closing my account after the rude treatment and lack of service. I 'm not sure if there are regulations which protect me from not being able to get access to my money or account information, but the whole experience just seems backwards. It is sad to end a banking relationship with a bank I have trusted for over 10 years ; and also it is annoying that I will have to reroute a handful of auto-payments for utilities, etc to a new financial institution. Oh well, I guess BBVA has too many customers, and their cost of customer acquisition must be very very low. Good for them, bad for me.
First National has no right to collect on a debt delinquent from XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. 

I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( XXXX ) on XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt, it merely proves that your company seeks to collect the specified amount. 

Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. 


I Request : -Proof that First National Owns the debt/ debt has been assigned. 
-Copy of Statements from original creditor, XXXX . 
-Copy of Original signed loan agreement/ credit card application. 

Furthermore, I challenge the ability to collect a debt which is past the statute of limitations. In order for this alleged debt to be mine, it would have had to become first delinquent in XX/XX/XXXX, well past the statute. Attempt to collect as debt past statue is a violation of FDCPA ( section 809 ) and places First National in a positon to be fined and sued. 


Finally, I request proof First National Collection Bureau is licensed to collect in the state of Georgia.
On Friday  XXXX   XXXX ,    2017  my husband and I were contacted b y the county that we live in that the property taxes on our account had not been paid by our mortgage company and that we are now in default. Immediately I called the mortgage company more than once and was told it was going to be handled within 10 business days  and that a supervisor would call me Monday.     Monday  XXXX   XXXX ,  2017  I called the mortgage company and was told the supervisor would call me later that day, that the supervisor would n't be in until  XXXX    XXXX   central standard time. I called back around  XXXX  central standard time after not hearing from the supervisor, the supervisor told me my property taxes had been paid to  a county in Nebraska. When I looked online the mortgage company had the correct county on our statement. The supervisor stated that the payment may not be paid toda y instead it could be up until the  XXXX  of  XXXX  for this to be paid at no extra charge to us.     How can  Moneysource  do this and still be in business?!
I surrendered my vehicle back to the bank last year. Eventually the vehicle was picked up. The vehicle has been resold at a higher price than what I owed left on the vehicle. But my credit reports shows that I still owe them. I have tried to dispute my credit reports. One of the credit report deleted the information. But the others remain.
XXXX  continues to tell me that I owe. Several times I had told XXXX that account had been satisfied. I sent an email telling XXXX account was satisfied. I have forwarded XXXX a copy of receipt that account was satisfied.
I tried to get an annual free credit report from Equifax they denied it to me demanding I send in several other documents including social security card proof of paycheck with address and a driver license. First of all social security XXXX for social security withholding taxes and benefits has NOTHING to do with Equifax and they should not even have it! Second employer information has nothing to do with credit. Third driver 's licenses are for driving a car they have NOTHING to do with credit. This was yet another egregious violation of my rights and demands for personal data to collect on me. In additon I am not even seeking credit but yet again I was denied service because of an error in an Equifax credit report. THIS HAPPENS ALOT! I am FEDUP with being held hostage by these companies and demands. As a victim of MULTIPLE data breeches including the latest ones by the XXXX XXXX XXXX XXXX of the U.S. government I am not going to turnover even more personal data that Equifax has no right or need to know. I have gone out of my way to not have things put in my name so that data can not be breeched and credit companies can not collect and sell information on me. Right now they do n't have my current address and I want it that way and I have a right to have it that way. I expect as a TAXPAYER for the CFPB to do something now about this!
Equifax 's security breach has created an undue burden on the entire adult American population, putting our financial and social lives at risk. In addition to allowing all of our sensitive information to be leaked, AND keeping this leak a secret for three months, they have placed the onus of responsibility on the American people to pick up the pieces. The fact that they and the other credit bureaus stand to make a profit off of this national crisis is unconscionable.
XXXX/XXXX/XXXX {$3300.00} /was going to settle for {$1500.00} installments via money order. 

On date shown above, i called Professional Debt Mediation based in XXXX, Florida to try to make a settlement to take care of the balance and it was a XXXX XXXX  employee got fiesty with me because i told him instead of me paying via Debit/Credit Card or my bank account, that I was going to send a money order instead due to past hiccups on my bank.The gentleman started to be irate with me and saying i cant pay with a Money Order but theres a Law stating they cant regulate how I can pay.Then he proceeded to state that if I dont pay with other forms than it will be just sitting on my credit.So right before i got off the phone I asked him if call was recorded and he said it was so in the future theres evidence of the phone call.They did this to me back in XXXX but i wasnt aware of my rights then.They Also called my job in the past when i asked them multiple times not to and they kept doing it until they finally stopped
I have sent letters of dispute to Experian, for a creditor in my file named XXXX XXXX/acct # XXXX. Experian responded with " account verified ''. On XXXX XXXX, XXXX and XXXX XXXX, XXXX I sent certified letters to Experian disputing the account and requesting the documentation received verifying the accuracy. I received a response from Experian dated XXXX XXXX, XXXX stating, " Unless you send us additional relevant information to support your claim we will not reinvestigate this information. '' In response to my letter mailed XXXX XXXX, Experian sent me a response dated XXXX XXXX, XXXX parroting the same response that was previously sent to me. 

In both of the letters that I sent to Experian, I requested that they send to me the documents that they have in their file that was used to verify the accuracy of the disputed account. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that Experian disclose to me all of the documents that were recorded and retained in their file at the time of my request concerning the account in dispute. The FCRA, 15 U.S.C. 1681 ( i ), further states that if the disputed account remains unverified that it must be promptly deleted. Furthermore, the FCRA Section 611 paragraph ( 6 ) ( B ) ( iii ) states, " if requested by the consumer, a description of the  procedure used to determine the accuracy and completeness fo the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information ... '' I have not received the requested information after my submission of numerous requests.
Although I make my payments on time, Macy 's continues to lower my extended credit offer several times a year without proper notice.
Ten or more years ago, I disputed the last {$190.00} payment to XXXX on my account. Recently, this old and uncollectible disputed debt was given to a collection agency in New York. They reported it as only four years old, and as a new collection account only one month old on my credit bureaus. My credit score has suffered terribly because of this illegal act. I have disputed these entries accuracy with XXXX and XXXX XXXX, but the collections company told them it is a legitimate debt that it should be reports as it is. There is no way that they have any proof that this is a recent debt, because it is not, and should not have been put on my credit bureaus. I believe this collections agency has done this illegal act to harm me and get be to pay it. The lawbreaker/tortfeasor is : Debt Recovery Solutions , LLC, XXXX XXXX XXXX, XXXX, NY, XXXX, ( XXXX ) XXXX
I 'm a victim of Identity Theft. I submitted a Victims FTC Affidavit ( XXXX ) along with a Police Report ( XXXX Police Dept - Report Number ( XXXX, Officer XXXX - Badge # XXXX ) and spoke with Supervisor XXXX XXXX with TransUnion who stated that he could not accept my information because there was payment history made on fraudulent accounts. I stated that some of the accounts that were being investigated had large balances : For instance there are XXXX child support cases with balances of XXXX, XXXX and XXXX equaling {$190000.00} so how in the world does this show positive payment history. I also explained that my son and father also share the same name. In closing per the FTC if a victim of identity theft submits and affidavit and police report that the Credit Reporting agency must comply and block those accounts within 4 days. Transunion is refusing to follow the laws put in place to protect consumer rights.
On XXXX XXXX, 2015, I took out {$100.00} from a private ATM and accepted an additional {$10.00} service charge. I was shortly notified by Bank of America via text I had overdrawn my account and incurred multiple {$35.00} overdraft fees. After investigating my transactions I found that the ATM or private vendor had charged my checking account 7 extra times, accruing a total of {$880.00} with no cash distributed. I spoke with the owners of the establishment and they told me to take it up with my bank. I posted a complaint to Bank of America and they immediately credited my account with the {$880.00}. On XXXX XXXX, 2015 the Bank informed me that they had found no evidence of fraud or issues and debited my account the {$880.00} and also not reimbursing the overdraft fee. After contacting the private establishment of the ATM again, stating I never requested that amount nor received the cash from the digitally claimed transactions. They informed me it was not their problem.
This collector refuses to provide any written verification of debt or any requested information for that matter. At the judgement hearing, the attorney stated that he would send me the agreement to file a motion to set aside if I were to pay the judgement in full by the end of the following month. Nine days left of the month and I finally contacted them to request this information and they claim to have no knowledge of it, yet inform me that I now owe over {$200.00} more than the judgement due to statutory interest. They request that I call back the following day to see if they had a chance to speak with the lawyer. I was n't able to call back until 6 days later, only to find that instead of sending me the requested information, they filed a garnishment instead. I feel like they use the courts to prey on people who are n't able to protect themselves and do so using tactics like demanding you allow them to garnish real property if signing a payment agreement. I was not taken seriously during the entire court process by either the court or the collection agency and they need to be stopped from abusing their power. They still have not issued the garnishment or sent me anything in writing concerning the amount of interest they are now attempting to collect on as well.
MCM , Inc. continues to pursue me in a matter that was dismissed in the XXXX XXXX XXXX XXXX XXXX Arizona on XXXX/XXXX/2014. The company continues to negatively report a debt that I do not owe to the credit bureaus.
On XX/XX/XXXX, I called hyundai motor finance to put my account on an autopay arrangement. This was never completed, I was never contacted by Hyundai motor finance and my account went into default however a payment was withdrawn the following month in XXXX. They placed two late payments on my credit report and will not remove them although I made a payment in XXXX and in XXXX they never took the payment out although I contacted them to be put on the autopay that month. I've sent letters disputing to my creditors as well as Hyundai with proof of my payment and my phone record showing my phone call to setup the autopay.
Ocwen has taken excessive amount of time issue a modification. We 've been told clients are approved but have yet to receive the documents.
I tried using my credit card and it they placed a block. When I tried to call and verify my identity they keeping telling they cant do anything but to send a letter to my address which will take 5-7 days. I need to make a purchase now. They are not doing anything to verify my identity. This is the worst experience ever, I have other credit cards with other companies and this process is a breeze. I am so frustrated with them.
Found a hard inquiry affecting my consumer credit report from '' Experian XXXX '' Dated on my consumer report dated XXXX XXXX 2015. NEVER asked Experian XXXX or their assignees for business credit.
I detected fraud on my company 's Chase XXXX XXXX XXXX on Friday, XXXX XXXX, XXXX. 

When I called to report this to them, they said that they would rush deliver a new credit card under my name to my apartment as soon as possible. 

However, when the credit card finally arrived on Monday, XXXX XXXX, XXXX, it was the wrong credit card. They issued a new credit card for my manager and sent that to my address instead.
This was completely unnecessary as I reported fraud on MY credit card, not HIS, yet they sent me a replacement card for HIM and MY new credit card was nowhere to be found. When I contacted Chase XXXX XXXX XXXX services, they were vastly unhelpful and unapologetic for an error that they created. 

Now, my business has lost 2 days without having my credit card on file and Chase has not owned up to their mistake. This is completely unprofessional and unacceptable. Due to their incompetence, we now have to wait approximately 2 more business days until I get my new card. 

Terrible customer service. The representatives I previously spoke with on Friday, XXXX XXXX, XXXX were unhelpful and obviously unfit to handle this situation. However, much worse were the representative AND supervisor ( XXXX ) that I spoke with on Monday, XXXX XXXX, XXXX. Absolutely horrendous.
Been a customer with Nationwide Biweekly Administration for a year. I have lost money in this process due to set up fees, etc. Since your company has sued this company my account was suspended and will be looking at terminating my relationship with this company. I am out more money than I have saved with this program against what they promised me and it is no fault of mine that this company is now suspending business practices. I would like the set up fees refunded to me ASAP. Thanks.
Reference : XXXX We issued the captioned complaint against Chase who has engaged in a widespread practice to solicit credits cards, open credit card accounts, collect fees, then close the accounts without disclosing the reasons and keeping the fees. It is hard to understand why this is not a national level financial scam. I submitted one of  the many articles I found from around the country complaining about this. 

We issued the complaint. As far as we can tell, Chase did not respond meaningfully other than to say the account will remain closed and to not mention the fee. You responded by accepting Chase 's word without question and closing the complaint without discussing this with us. 

The fact remains that Chase has engaged in this financial scam on a national level and yet this agency has done nothing. As a minimum, Chase should : 1. Nationally announce it engaged in this deceptive practice.

2. Nationally announce it will no longer do so.

3. Unilaterally refund the fees to everyone it has collected from under this scam, plus interest and a 100 % inconvenience fee.

4. Pay triple damages to the US government to fund this consumer organization.

5. Not close this complaint until Chase has completed these requirements.